対人賠償保険は自賠責のみではなく任意保険の無制限が絶対ですよ from www.power-lecture.com
Introduction
If you live in Japan or plan to visit the country, it's important to know about 対人 賠償 保険, or personal liability insurance. This type of insurance provides coverage for damages or injuries you may cause to other people or their property. In this article, we'll explore the basics of this insurance and how it can protect you financially.
What is 対人 賠償 保険?
対人 賠償 保険, also known as third-party liability insurance, is a type of insurance that covers the policyholder against claims made by third parties for damages or injuries caused by the policyholder. This insurance is mandatory in Japan for all motor vehicle owners, but it's also available for individuals who want additional protection.
What Does it Cover?
対人 賠償 保険 covers damages or injuries caused by the policyholder to third parties. This can include bodily injury, property damage, and even emotional distress. The policy will pay for the cost of medical treatment, repair or replacement of damaged property, and other related expenses.
What Doesn't it Cover?
対人 賠償 保険 does not cover any damages or injuries caused to the policyholder or their property. It also doesn't cover intentional acts or criminal activities by the policyholder.
Why is it Important?
If you cause an accident or damage to someone else's property, you could be held financially responsible for the damages. Without liability insurance, you would have to pay for these expenses out of pocket. 対人 賠償 保険 provides a safety net for policyholders and can prevent financial ruin in the event of an accident.
How Much Coverage Do You Need?
The amount of coverage you need depends on your personal situation. If you own a car, the minimum coverage required by law in Japan is 30 million yen for bodily injury and 10 million yen for property damage. However, it's recommended to have more coverage to protect yourself in case of a serious accident. For individuals who don't own a car, the coverage amount can vary depending on their lifestyle and potential risks.
How Much Does it Cost?
The cost of 対人 賠償 保険 varies depending on the amount of coverage, the policyholder's age, and other factors. On average, the cost for a basic policy can range from 10,000 to 30,000 yen per year. However, it's important to shop around and compare prices from different insurance companies to find the best deal.
How to Purchase 対人 賠償 保険?
対人 賠償 保険 can be purchased from most insurance companies in Japan. You can either purchase it online or through an insurance agent. When purchasing a policy, it's important to read the terms and conditions carefully and understand what is covered and what is not.
Conclusion
対人 賠償 保険 is an important type of insurance that can protect you financially in case of an accident or damage caused to others. It's mandatory for car owners in Japan, but it's also available for individuals who want additional protection. When purchasing a policy, it's important to understand what is covered and what is not, and to compare prices from different insurance companies to find the best deal.
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