5+ 原付 保険 種類 For You
Introduction
As the year 2023 begins, it's important to understand the various types of insurance available for 原付 (moped) owners in Japan. With the rising number of accidents involving mopeds, it's crucial to ensure you have the right insurance coverage. In this article, we'll explore the different types of insurance available and how to choose the best one for you.
Types of 原付 保険
1. Compulsory Automobile Liability Insurance (CALI)
CALI is mandatory for all vehicles in Japan, including mopeds. This insurance covers damages and injuries caused to third parties in the event of an accident. The premium is fixed by the government, and the coverage is limited to a maximum of 30 million yen per person for personal injuries and 1.2 billion yen for property damage.
2. Optional Insurance
There are several optional insurance policies that moped owners can choose from:
3. Compulsory Insurance for Personal Accident
This insurance covers medical expenses and compensation for disability or death caused by an accident while riding your moped. The premium varies based on the coverage amount and the insured person's age.
4. Moped Insurance
This insurance covers damages to your moped caused by theft, fire, natural disasters, and collisions with other vehicles or objects. The premium varies based on the coverage amount and the insured vehicle's age and value.
5. Liability Insurance for Moped Riders
This insurance covers damages and injuries caused to third parties while riding your moped. The premium varies based on the coverage amount and the insured person's age and driving history.
How to Choose the Best Insurance for You?
When choosing the best insurance for your moped, consider the following factors:
1. Your Driving Habits
If you frequently ride your moped in high-traffic areas, you may want to consider liability insurance for moped riders to protect yourself from potential lawsuits.
2. Your Moped's Age and Value
If your moped is old and has a low resale value, you may want to consider a lower coverage amount for moped insurance.
3. Your Budget
Consider how much you can afford to pay in premiums and choose an insurance policy that fits your budget.
Conclusion
Having the right insurance coverage for your moped is essential for your safety and peace of mind. Consider your driving habits, your moped's age and value, and your budget when choosing the best insurance policy for you. Be sure to compare prices and coverage options from different insurance companies to ensure you get the best deal.
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