- Third Party Compensation -

The age of unlimited coverage! Accident advice service!

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.
The amount of compensation under this 3rd Party insurance is unlimited.

Family Accident Medical Indemnity Coverage

(exclusive to AIU)

If, as a result of driving the insured vehicle, the policy holder or the policy holder’s parents, spouse or children are injured while outside the vehicle, If you require doctor’s treatment, we will pay the treatment benefit per accident (10,000 yen). If such treatment period is eight days or longer, we will pay the hospitalization benefit according to the injured body part and type of injury, and if surgery is required, we will pay the surgery benefit (50,000 yen). In the case of death, funeral expenses of 1 million yen will be paid.

The age of unlimited coverage! Accident advice service!

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 10 million yen to unlimited (increasing in 10 million 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.

Protecting you in the case of an accident while driving someone else’s car

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.

Over 50 years of experience and results

Accident Advice Service

Example of bodily injury

Approved amount of damages	382,810,000 yen	359,780,000 yen
Date of judgment	17 May 2005	29 June 2006
Injured party	29 year old company executive, aftereffects	25 year old, post Doctor, 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.

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.