Must Know ドライバー 保険 おすすめ For You
Introduction
Driving in Japan can be a costly affair. From car maintenance to fuel expenses, owning a car is not cheap. One expense that drivers cannot afford to ignore is car insurance. Accidents on the road can happen to anyone, no matter how careful they are. To protect themselves, drivers need to have car insurance. In this article, we will introduce the best driver insurance in 2023 in Japan.
What is Driver Insurance?
Driver insurance is a type of car insurance that specifically covers the driver, rather than the car. It provides coverage for medical expenses, disability, and death resulting from an accident while driving. It is different from regular car insurance, which covers damage to the car itself.
The Importance of Driver Insurance
While regular car insurance is mandatory in Japan, driver insurance is optional. However, it is highly recommended for all drivers, especially those who drive frequently. In the event of an accident, driver insurance can provide financial protection for the driver and their family. Without it, the driver may have to bear the full cost of medical expenses and loss of income.
Top Driver Insurance Providers in Japan
1. AIG Japan
AIG Japan offers driver insurance with coverage of up to 100 million yen. In addition to medical expenses, it also covers funeral expenses and disability benefits. Drivers can choose from three different plans to suit their needs and budget.
2. Mitsui Sumitomo Insurance
Mitsui Sumitomo Insurance offers driver insurance with coverage of up to 50 million yen. It provides coverage for medical expenses, disability, and death resulting from an accident while driving. Drivers can choose the level of coverage they need, with premiums starting from as low as 1,500 yen per month.
3. Tokio Marine & Nichido Fire Insurance
Tokio Marine & Nichido Fire Insurance offers driver insurance with coverage of up to 100 million yen. It provides coverage for medical expenses, disability, and death resulting from an accident while driving. Drivers can choose from three different plans to suit their needs and budget.
How to Choose the Best Driver Insurance
When choosing driver insurance, there are several factors to consider. These include the level of coverage, premiums, and the reputation of the insurance provider. Drivers should also check if the insurance includes additional benefits, such as 24-hour roadside assistance or a courtesy car.
Tips for Lowering Driver Insurance Premiums
Driver insurance premiums can be expensive, especially for younger drivers or those with a history of accidents. However, there are several ways to lower premiums. These include taking a safe driving course, installing a car alarm, and choosing a higher deductible.
Conclusion
In conclusion, driver insurance is an essential expense for all drivers in Japan. It provides financial protection in the event of an accident while driving. By choosing the right insurance provider and taking steps to lower premiums, drivers can ensure that they are protected on the road without breaking the bank.
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