- Third Party Compensation -

Bodily Injury Compensation

If, through the ownership or misuse of a vehicle, an accident occurs which causes injury or death to a third party, any legal responsibility for the client (the insured) to compensate for that damage will be bourn by the company.
Also, if the accident results in the death of the 3rd party, 100,000 yen per victim will be provided as emergency fee.
Limit of liability for Bodily Injury Liability Insurance ranges from 10 million yen to unlimited (increasing in 10 million yen units, above 200 million yen is unlimited). You are free to choose the coverage that suits your needs.

Own Accident Insurance Coverage

Automatically included in the Bodily Injury Liability Insurance
Compensation will be made when the vehicle covered in the policy is involved in a single-car accident (crash into telephone pole, drive off a cliff etc.) resulting in the death of the owner or driver, and no compensation is made under automobile liability insurance.

Uninsured Automobile Insurance Coverage

Automatically included in the Bodily Injury Liability Insurance
Compensation will be made if your vehicle is involved in an accident with another vehicle which is uninsured, or does not have insurance to cover the specific accident, resulting in your death or after-affects, and if you are unable to claim adequate compensation from the other party.

Property Damage Insurance

If an accident causing damage to property, including another vehicle, house, traffic lights, etc. is caused as a result of the misuse of the insured vehicle, the legal responsibility of the policy holder to compensate for that damage will be bourn by the insurance company.
The amount of Property Damage Insurance coverage available ranges from 200,000 yen to unlimited (increasing in 100,000 yen units, above 100 million yen is unlimited). You are free to choose the coverage that suits your needs.

Home Garage Repair Cost Coverage (Option)

Compensation will be paid if the insured vehicle, being driven by the policy holder or the policy holder’s parents, spouse or children, causes damage to a building, a garage or another vehicle as a result of a collision. If the damage is caused to another vehicle, the vehicle must be one of the following: a standard passenger vehicle; a compact passenger vehicle; a light passenger vehicle; a compact freight vehicle; a light freight vehicle; a standard freight vehicle (maximum tare less than 500kg); a standard freight vehicle (Maximum loading capacity 0.5 tons and below, weight of body 2 tons and below) ; a camping van; a bicycle; a scooter. The amount that may be claimed is limited to 500,000 yen, and will be paid only once during the life of the policy.

Property Damage Excess Repair Cost Coverage

This coverage applies if the cost of repairs to the other party’s vehicle exceeds the actual current value of that vehicle. However, the amount to be paid will be the amount that the policy holder is responsible by law to compensate the other party for the current value of the other party’s car, in addition to the excess repair cost, up to a maximum of 500,000 yen.

Protection for the policy holder while driving another vehicle

If you or your family (relatives living with you, or single children living separately) have an accident while driving a borrowed vehicle, it is possible to receive compensation for bodily injury or property damage under your insurance policy. Under certain conditions (see below) damage to the borrowed vehicle will also be covered.
Even if the borrowed vehicle is insured, payment for damages including bodily injury, property damage and damage to the borrowed vehicle can be given priority. (In the case of a rental vehicle, that vehicle’s insurance policy is given priority)

note: The conditions include the items below:

1. If the insured vehicle’s policy regards another vehicle (the borrowed car) as the insured vehicle to pay insurance money.
2. If the other vehicle (the borrowed car) has an insurance policy that covers it for damage.