Auto Insurance
自動車保険はすべての車に加入が義務付けられている強制保険の自動車損害賠償責任保険（自賠責保険）と任意保険である自動車保険に区分されます。自賠責保険は補償の対象が対人賠償事故に限定されます。被害者1名に対する保険金の支払限度額は、死亡3,000万円、後遺症障害4,000万円、傷害120万円です。一方、任意保険には主に7種類あります。 対人賠償保険 他人を死傷させた場合(例えば衝突事故で相手方の運転手 に怪我をさせた。衝突事故で歩行者を死亡させた。）の補 償で自賠責保険の不足分を補填 対物賠償保険 他人の物を壊した場合(例えば衝突事故で相手方の車を 壊した。衝突事故で他人の家の塀を壊した）に損害額を 補填 自損事故保険 単独事故で怪我をした場合で搭乗者が死傷し、自賠責 保険及び政府保証事業でてん補されない場合に医療保険金 や後遺障害保険金などが定額払いで補償される 搭乗者傷害保険 搭乗者全員の死傷による損害(例えば、衝突事故による怪我で 入院または通院）を補償。＊人身傷害保険では 実際の損害額が支払われるが、死亡保険金、後遺障害 保険金、医療保険金が定額払いで支払われる 無保険車傷害保険 被保険者が死亡または後遺障害を被り、相手から十分な 補償が得られない場合の補償 車両保険 衝突、接触、爆発、盗難などの事故による車両損害などに 対する補償。注）地震、噴火、津波による損害は特約を 付さなければならない。免責金額とは事故により保険金を 請求された際の自己負担額。全損の場合は車両保険金額が支払われ、 分損の場合は車の修理費から免責金額を控除した金額は支払われる。 人身傷害補償保険 事故により死傷した場合（例えば衝突事故で怪我をした。 自分や家族が歩行中に車にひかれて怪我をした。）示談 を待たずに自己の過失部分を含めて保険金額を限度に 損害分(治療費、休業損害、精神的損害、逸失利益、 介護料、葬祭費など）が払われる
Automobile insurance is classified into liability insurance that is required to join all cars and optional insurance, which is voluntary. Compulsory liability insurance is limited to personal compensation accidents. The maximum amount of insurance payment for one victim is 30 million yen for death, 40 million yen for sequelae, injuries are 1.2 million yen for injuries. On the other hand, there are seven main types of optional insurance as follows. Personal Compensation Insurance In the event of death or injury (e.g., a collision injured the other party’s driver. A pedestrian was killed in the crash. Supplementary compensate for the shortfall of automobile liability insurance Objective compensation insurance If you destroy someone else’s thing (e.g., in a crash the other party’s car or house wall is broken The amount of the damage will be paid. Self-damage accident insurance If the passenger is injured or killed in a single accident, medical insurance will be paid in the case of not being covered by either liability insurance or government-guaranteed insurance. Medical insurance and post-mortem disability insurance claims are covered by fixed-rate payments. Passenger Accident Insurance Damage caused by the death or injury of all passengers are covered(e.g., injury in a collision results in hospitalization or hospital visit). In the personal injury insurance,the actual amount of damage sanction will be paid, but passenger accident insurance are paid in flat-rate. Uninsured car accident insurance If the insured person suffers from death or disability, uninsured car accident insurance is paid in the event that compensation is not obtained Vehicle insurance Vehicle damage due to accidents such as collisions, contact, explosions, theft, etc.. Note) Damage caused by earthquakes, eruptions, and tsunami must be attached. The amount of the exemption is the amount of out-of-pocket expenses when requested. In the case of a total loss, the vehicle insurance amount is paid. In the case of partial loss, the amount deducted from the deductible amount from the repair cost of the car will be paid. Personal Injury Compensation Insurance In the event of death or injury in an accident (e.g. an injury in a collision).I and my family were injured when they were hit by a car while walking. Settlement to the maximum amount of insurance, including the self-negligence part, without waiting for damage quotation( medical costs, loss of leave, mental damage, lost profits, nursing care fees, funeral expenses, etc.)
