5+ 保険当て逃げ Ideas

「車両危険限定特約」とは一体どんな特約でどれぐらいの補償があるのか。初心者でも失敗しない「自動車保険の節約術」 from car-hoken.net

Introduction

Hit and run accidents are an unfortunate reality in Japan, and they can leave victims with serious injuries and property damage. In this article, we will discuss the legal and insurance aspects of hit and run accidents in Japan, commonly referred to as "保険当て逃げ" or "insurance hit-and-run."

What is a Hit and Run Accident?

A hit and run accident occurs when a driver collides with another vehicle, pedestrian or object and then leaves the scene without providing contact or insurance information to the victim. Hit and run accidents can happen for various reasons, such as the driver being under the influence, not having a valid license, or feeling scared of the consequences.

Legal Consequences of Hit and Run

In Japan, hit and run accidents are considered a serious criminal offense that can lead to severe penalties, including imprisonment of up to five years or a fine of up to 1 million yen. Additionally, if the accident results in injury or death, the penalty can be even more severe.

Insurance Coverage for Hit and Run Accidents

When it comes to insurance coverage for hit and run accidents, it depends on the type of insurance policy you have. In Japan, there are two types of insurance policies: mandatory liability insurance and optional voluntary insurance.

Mandatory Liability Insurance

Mandatory liability insurance is required by law in Japan, and it covers damages caused by the insured driver to a third party. In the case of a hit and run accident, the victim can file a claim with the police, and the insurer will compensate the victim for damages up to the policy limit.

Optional Voluntary Insurance

Optional voluntary insurance policies offer additional coverage beyond mandatory liability insurance. Depending on the policy, it may cover damages to the insured vehicle and injuries sustained by the driver and passengers. In the case of a hit and run accident, the victim can file a claim with their insurer, and the insurer will compensate the victim for damages up to the policy limit.

What to Do if You are Involved in a Hit and Run Accident

If you are involved in a hit and run accident in Japan, here are the steps you should take:

Call the police immediately and report the accident.
Provide as much information as possible, such as the make and model of the car, license plate number, and any distinguishing features of the driver.
Seek medical attention if necessary.
Contact your insurance company and report the accident.
Document the damage and injuries with photos and videos if possible.

Conclusion

Hit and run accidents can be a traumatic experience, but it is important to remember that there are legal and insurance resources available to victims. If you are involved in a hit and run accident in Japan, follow the steps outlined in this article, and seek the help of legal and insurance professionals if necessary.