If you own a car in Japan, you are required by law to have car insurance. The Japanese term for car insurance is “車 に かける 保険” (Kuruma ni kakeru hoken). In this article, we will explore the different types of car insurance available in Japan, how to choose the right one for you, and tips for saving money on your premiums.
Types of Car Insurance
In Japan, there are two main types of car insurance: mandatory insurance and optional insurance. Mandatory insurance, also known as Compulsory Automobile Liability Insurance (CALI), covers damages you may cause to others in the event of an accident. Optional insurance, on the other hand, provides additional coverage for your own car and your own injuries.
Mandatory Insurance
CALI is required by law and is automatically included in your car registration fee. It covers bodily injury or death to other people and damage to their property in the event of an accident caused by you. The coverage limit for bodily injury or death per person is 30 million yen, and the limit for property damage is 1.2 million yen.
Optional Insurance
Optional insurance provides additional coverage for your own car and your own injuries. There are several types of optional insurance available in Japan, including: - Collision insurance: Covers the cost of repairing or replacing your car if it is damaged in an accident. - Comprehensive insurance: Covers the cost of repairing or replacing your car if it is damaged in an accident or by natural disasters such as earthquakes, typhoons, or floods. - Personal injury insurance: Covers medical expenses and lost income for you and your passengers in the event of an accident. - Non-operation insurance: Covers your car when it is not being used, such as when it is parked or stored.
Choosing the Right Insurance
When choosing car insurance in Japan, it is important to consider your own needs and budget. If you have a new or expensive car, you may want to consider comprehensive insurance to protect your investment. If you frequently drive with passengers, personal injury insurance may be a good option. On the other hand, if you have an older car or are on a tight budget, you may want to stick with mandatory insurance.
Tips for Saving Money on Car Insurance
Car insurance premiums in Japan can be expensive, but there are several ways to save money: - Compare prices from different insurance companies. - Consider raising your deductible (the amount you pay out of pocket before insurance kicks in). - Take a defensive driving course to lower your premiums. - Install anti-theft devices in your car to reduce the risk of theft.
Conclusion
In conclusion, car insurance is a necessary expense for anyone who owns a car in Japan. By understanding the different types of insurance available and choosing the right one for your needs, you can protect yourself and your car in the event of an accident. And by following these tips for saving money on your premiums, you can keep your insurance costs under control.
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