- AIU Special Care -

Liability Coverage

If a passenger in the insured vehicle is killed, disabled or injured as a result of a car accident, the following insurance claims may be possible.

Death / disability insurance

Medical insurance (according to body parts and symptoms)

Accident Advice Service

Example of bodily injury

Approved amount of damages	297,370,000 yen	265,620,000 yen
Date of judgment	30 March 1995	30 November 1998
Injured party	40 year old company executive, aftereffects	19 year old, aftereffects

Example of property damage

Approved amount of damages	261,350,000 yen	120,370,000 yen
Date of judgment	19 July 1994	18 July 1980
Accident details	After hitting the car in front while moving, rolled sideways, burst into flames, luggage was destroyed by fire	A car lost a wheel on the train tracks. The car collided with a train, damaging the train and a house.

• Our damages service staff is a professional group of full time employees who have undergone practical training to give them the systematic knowledge, customer satisfaction skills and negotiation skills.
• We provide peace of mind by meeting face to face with customers and accident victims.
• We have been meeting with our valued clients in this way for over 50 years.

Escort (special coverage for personal belongings)

Your insurance policy covers you for damage to personal belongings contained, for example, in your trunk, resulting from collision, fire, theft, and other unforeseen accidents.

Notes:

1. The amount of damages to be paid is calculated by the cost of replacing the goods with new items, minus the amount of depreciation based on the age of the items and their use. 5,000 yen is then deducted from this figure, representing the personal liability of the owner.
2. This additional coverage is not applicable if you are already insured under the Lifestyle Coverage.
3. Merchandise and other items not associated with personal belongings are not covered under the terms of this insurance.

Accident example : Loss of personal belongings

Place: in a car park near your house Vehicle type : a domestic sedan Background : You parked your vehicle in its place at the monthly parking lot, at around 10PM. The next morning at 7AM you return to the vehicle, and find that the door is unlocked. The locks are not broken, but you think it odd, so you look around the vehicle and find that the trunk has been opened and your expensive gold clubs have all been stolen. The only thing remaining is the golf bag, which was discarded near the car.

Legal Fees Coverage Service

The legal fee coverage service is applicable not only in the case of traffic accidents, it also covers you if you are involved in other unforeseen accidents causing death or injury, as well as damage to your possessions. It can be used to pay for the legal consultation fees and lawyer’s fees you incur when trying to seek your entitled legal damages from another party.


Coverage

1. Legal consultation fees: actual costs will be covered up to 10,000 yen per person per visit (up to a maximum of 50,000 yen).
2. Lawyer’s fees: Actual lawyer’s fees will be paid up to a maximum of 3,000,000 yen for each person and each accident.

Motorbike Special Clauses

(Compensation Accident Security Special Clauses for Motorbikes (125cc and below))

Compensation will be paid when the insured (person covered by the policy)(or his/her family) riding a motorbike is involved in an accident that kills or injures a 3rd party, or damages their property, and the insured is under law deemed liable for the accident.

Coverage	Motorbike Special Clauses Limit of Liability
Bodily Injury Compensation	Motorbike Special Clauses Limit of Liability
Own-Injury
Property Damage Compensation

Temporary Driver Security Special Clauses

When this Special Clause is included, if “Temporary Drivers” such as friends and unmarried children living on their own (does not include those with past marriage records), are involved in an accident, age-limit will not apply and compensation will be made.

＊ "Temporary Driver" refers to those who do NOT apply to any of the following:

• (1) Named Insured.
• (2) Spouse of Named Insured (including common-law marriage)
• (3) Relatives living with Named Insured and/or Spouse of Named Insured (including common-law marriage)
• (4) Employee who handles services of those mentioned above (not including domestic help).

This special clause can be included on policies where the insured vehicle is an owner-driver car (standard-sized, small-size or minicar), the Named Insured is an “individual” and the driver age-limit is applied (21 and over, 26 and over, 30 and over compensation).

＊ This Special Clause shall become inapplicable if changes are made to the policy so that it no longer meets the Special Clauses requirements, such as the owner switching to a type of vehicle where the driver age-limit does not apply (e.g. owner-driven small size truck etc.).

Good for times like this!
You are returning from a round of golf and ask your colleague to drive, however he does not meet the driver age-limit of your policy.