10+ 車保険自賠責のみ Article

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Introduction

Car insurance is one of the most critical things to have if you own a car. It protects you financially in the event of an accident, theft, or damage to your vehicle. However, with so many options available, it can be overwhelming to choose the right one for you. In Japan, 自賠責 insurance is the mandatory minimum requirement for all car owners. In this article, we will discuss everything you need to know about 自賠責 insurance only.

What is 自賠責 Insurance?

自賠責 insurance, also known as Compulsory Automobile Liability Insurance, is a type of car insurance that is mandatory in Japan. It covers the costs of injuries or death caused to other parties in the event of an accident, including passengers, pedestrians, and drivers of other vehicles. It does not cover the damages to your car or injury to yourself.

Why You Need 自賠責 Insurance

自賠責 insurance is mandatory by law, and driving without it can result in fines, license suspension, or even imprisonment. Additionally, it provides you with financial protection if you cause an accident that results in injury or death to other parties. The costs of medical treatment, hospitalization, and compensation can be incredibly high, and 自賠責 insurance will cover these costs up to a certain amount.

What Does 自賠責 Insurance Cover?

自賠責 insurance covers the costs of injuries, death, or property damage caused to other parties in an accident that you are responsible for. The coverage limit for bodily injury is up to 30 million yen per person and up to 100 million yen per accident. For property damage, it covers up to 1.2 million yen per accident.

What is Not Covered by 自賠責 Insurance?

自賠責 insurance does not cover the damages to your car, injury to yourself or your passengers, or damages caused to other vehicles or property. It also does not cover the costs of legal fees or compensation if you are sued by the other party.

How to Purchase 自賠責 Insurance

自賠責 insurance can be purchased from any insurance company or through your car dealer. The cost of 自賠責 insurance varies depending on the insurance company and your driving history. It is important to shop around and compare prices before purchasing.

What Happens If You Are Involved in an Accident?

If you are involved in an accident, the first thing you should do is make sure everyone is safe and call the police. You should also exchange insurance information with the other party involved in the accident. 自賠責 insurance claims can be made through your insurance company or the other party's insurance company.

What Happens If You Are Not Covered by 自賠責 Insurance?

If you are not covered by 自賠責 insurance and cause an accident, you will be responsible for paying the costs of medical treatment, hospitalization, and compensation out of pocket. This can be a huge financial burden and can lead to bankruptcy or other serious consequences.

Conclusion

In conclusion, 自賠責 insurance is mandatory in Japan and provides you with financial protection if you cause an accident that results in injury or death to other parties. While it does not cover damages to your car or injury to yourself, it is still an essential insurance to have. Make sure you shop around and compare prices before purchasing, and always drive safely and responsibly on the road.