Car accidents can be a traumatic experience, especially when you are in a foreign country. In Japan, where the road systems and traffic rules are different from other countries, it can be challenging to know what to do when you get into an accident. However, you don't have to face this situation alone. There are insurance companies and consultation services that can help you navigate the process and get the financial compensation you deserve.
Understanding Car Insurance in Japan
Before we discuss what to do after an accident, let's first understand how car insurance works in Japan. There are two types of car insurance that are mandatory by law: Compulsory Automobile Liability Insurance (CALI) and Optional Automobile Insurance. CALI covers the damages you cause to a third party in an accident, while Optional Automobile Insurance covers your own car and passengers.
What to Do After a Car Accident
If you get into a car accident, the first thing you should do is make sure everyone is safe. If someone is injured, call an ambulance immediately. Next, call the police and report the accident. You will need to provide your driver's license, car registration, and insurance information to the police.
Consulting with Insurance Companies
After the accident, you should contact your insurance company or a consultation service as soon as possible. They will guide you through the process and help you file a claim. The consultation service can also provide you with an interpreter if you are not fluent in Japanese.
Compensation for Damages and Injuries
If you have CALI, the other party's damages and injuries will be covered up to a certain amount. However, if the damages exceed the coverage, you will have to pay the difference. Optional Automobile Insurance can cover your own car's damages and injuries to your passengers. You can also purchase additional coverage for theft, fire, and natural disasters.
Dispute Resolution
If you disagree with the police report or the insurance company's decision, you can file a complaint with the Japan Insurance Information Center. They will investigate the case and provide a neutral resolution.
Preventing Car Accidents
Of course, the best way to deal with car accidents is to prevent them from happening in the first place. Always follow the traffic rules and regulations, avoid distractions while driving, and maintain your car regularly.
Conclusion
Getting into a car accident can be stressful, but with the right information and consultation, you can get through it. Make sure you have the proper insurance coverage and know what to do in case of an accident. As always, prevention is key, so be a responsible driver and stay safe on the roads.
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