7+ 人身 傷害 補償 特約 と 搭乗 者 傷害 保険 For You
Introduction
Accidents happen all the time, and sometimes they result in injuries. In Japan, there are two types of insurance policies that cover personal injury: "人身 傷害 補償 特約" (Jinshin Shogai Hoshou Tokuyaku) and "搭乗 者 傷害 保険" (Toujousha Shogai Hoken). In this article, we will discuss what these policies are and why they are important.
What is "人身 傷害 補償 特約"?
"人身 傷害 補償 特約" is an add-on to your car insurance policy that covers personal injuries caused by a car accident. This policy covers medical expenses, lost wages, and compensation for pain and suffering. It is important to note that this policy only covers personal injuries, not damage to property.
Why is "人身 傷害 補償 特約" important?
Car accidents can happen to anyone, and they can result in serious injuries. Without "人身 傷害 補償 特約", you could be responsible for paying your medical expenses and lost wages out of pocket. This policy provides you with the financial protection you need in case of an accident.
What is "搭乗 者 傷害 保険"?
"搭乗 者 傷害 保険" is a type of insurance policy that covers injuries sustained by passengers in a car accident. This policy covers medical expenses, lost wages, and compensation for pain and suffering. It is important to note that this policy only covers passengers in the car, not the driver.
Why is "搭乗 者 傷害 保険" important?
As a driver, you have a responsibility to ensure the safety of your passengers. In case of an accident, "搭乗 者 傷害 保険" provides your passengers with the financial protection they need to cover their medical expenses and lost wages. It also protects you from potential lawsuits in case your passengers decide to sue you for their injuries.
What are the differences between "人身 傷害 補償 特約" and "搭乗 者 傷害 保険"?
The main difference between the two policies is that "人身 傷害 補償 特約" covers personal injuries caused by a car accident, while "搭乗 者 傷害 保険" covers injuries sustained by passengers in a car accident. Additionally, "搭乗 者 傷害 保険" only covers passengers in the car, while "人身 傷害 補償 特約" covers injuries sustained by anyone involved in the accident.
Conclusion
Having insurance policies like "人身 傷害 補償 特約" and "搭乗 者 傷害 保険" is essential in case of an accident. These policies provide you with the financial protection you need to cover your medical expenses and lost wages, and they also protect you from potential lawsuits. Make sure to review your insurance policies and consider adding these policies to your coverage.
Sources:
- https://www.tokiomarine-nichido.co.jp/en/personal/car/carexpert/insurance/jinshin.html
- https://www.tokiomarine-nichido.co.jp/en/personal/car/carexpert/insurance/toujousha.html
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