If you are living in Japan, you may have heard the phrase "事故 保険 使わ ない 連絡" (Jiko hoken tsukawanai renraku) which roughly means "Do not contact your accident insurance company". This may sound unusual, especially if you come from a country where having insurance is crucial in case of an accident. However, in Japan, there are several factors that make using accident insurance not always the best option. In this article, we will explore why this is the case and what alternatives you have.
Why Not Use Accident Insurance?
The main reason why you may not want to use your accident insurance in Japan is the high deductibles. Deductibles are the amount of money that you have to pay before your insurance coverage kicks in. In Japan, the deductibles for accident insurance can be as high as ¥50,000 or more, which means that for minor accidents, you may end up paying more out of pocket than what your insurance would cover. Another reason why you may not want to use your accident insurance is that it can increase your premiums. In Japan, insurance companies use a system called "no-claim discount" where your premiums decrease if you do not make any claims. However, if you make a claim, your premiums may increase significantly, making it more expensive in the long run.
What Are Your Options?
If you have been in an accident in Japan, there are several options that you can consider before contacting your insurance company. One option is to negotiate directly with the other party involved in the accident. In Japan, it is common to negotiate a settlement without involving insurance companies, especially for minor accidents. This can save you money and prevent your premiums from increasing. Another option is to use a service called "hoken gaisha" (insurance agency). These agencies specialize in negotiating settlements between parties involved in accidents. They can also help you navigate the insurance system in Japan and advise you on the best course of action.
Conclusion
In conclusion, while having accident insurance in Japan is important, it may not always be the best option. The high deductibles and potential increase in premiums make it costly for minor accidents. However, there are alternatives such as negotiating directly with the other party or using an insurance agency that can save you money and prevent your premiums from increasing. Remember, always weigh your options before contacting your insurance company and consider the long-term costs.
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