List Of 保険クルマ Article

タフ・見守るクルマの保険プラスS by Aioi Nissay Dowa Insurance Co.,Ltd. from appadvice.com

Introduction

If you own a car in Japan, it's important to have car insurance. Not only is it mandatory by law, but it also protects you financially in case of an accident. However, with so many insurance plans available, it can be overwhelming to choose the right one. In this article, we'll give you an overview of car insurance in Japan and what to consider when selecting a plan.

Types of Car Insurance

In Japan, there are three types of car insurance: compulsory insurance, voluntary insurance, and optional insurance. Compulsory insurance is required by law and covers bodily injury and property damage to third parties. Voluntary insurance covers damages to your own car and bodily injury to yourself, while optional insurance provides additional coverage for things like theft and natural disasters.

Factors Affecting Insurance Premiums

When selecting a car insurance plan, the premium is an important consideration. The premium is the amount you pay for the insurance coverage. The premium amount is affected by several factors such as the driver's age, driving history, and the type of car being insured. Younger drivers and those with a history of accidents or traffic violations may have to pay a higher premium.

Choosing the Right Insurance Plan

When choosing a car insurance plan, it's important to consider your needs and budget. Voluntary insurance may be a good choice if you want more coverage, but it will come at a higher cost. Optional insurance may also be worth considering if you live in an area prone to natural disasters or have concerns about theft.

What to Do in Case of an Accident

If you're involved in a car accident, it's important to follow the correct procedures. First, make sure everyone is safe and call for medical assistance if necessary. Then, exchange insurance information with the other driver and contact your insurance company as soon as possible. The insurance company will guide you through the claims process.

Common Insurance Terms

When selecting a car insurance plan, it's important to understand the terminology. Here are some common terms you may come across: - Deductible: the amount you pay out of pocket before insurance coverage kicks in. - Premium: the amount you pay for the insurance coverage. - Liability: the legal responsibility for damages or injuries caused to others. - Comprehensive: coverage for damages to your own car caused by things like theft or natural disasters.

How to Save on Car Insurance

Car insurance can be expensive, but there are ways to save money. One way is to increase your deductible, which will lower your premium. Another way is to bundle your car insurance with other types of insurance, such as home or life insurance. Additionally, maintaining a good driving record can help keep your premium low.

The Bottom Line

Car insurance is an important part of owning a car in Japan. Understanding the different types of insurance and factors that affect premiums can help you choose the right plan for your needs and budget. Remember to always follow the correct procedures in case of an accident and to keep your insurance policy up to date.