Compulsory Automobile Liability Insurance: Who Qualifies and What You Get
Learn about the mandatory insurance required for all vehicle owners in Japan and what it covers for third-party injuries.
This is a mandatory insurance scheme required for all vehicle owners in Japan to ensure coverage for third-party injuries or death resulting from vehicle use. In local Japanese, this is often referred to as 自賠責 (Jibaiseki).
Who it's for
This scheme is not optional and is required for all vehicle owners. If you own a vehicle that is operated on the roads in Japan, you fall under the scope of this requirement. It is a national mandate designed to ensure a level of protection for people involved in traffic accidents.
What you get
The primary benefit of this scheme is mandatory coverage for third-party injury or death. This means that if you are involved in an accident, this insurance provides the necessary financial coverage to address the medical needs or loss of life of the other parties involved. It acts as a social safety net to handle the costs associated with bodily harm caused to others.
What it costs you
You do not typically pay for this insurance through a monthly premium or a separate private policy on your own. Instead, the cost is bundled into your mandatory vehicle inspection, which is often referred to locally as "shaken." You must pay these fees as part of the inspection process to ensure your vehicle remains legal to drive on the road.
The catch to know
The most important thing to remember is the limit of this coverage. This insurance is strictly for third-party liability. It does NOT cover your own personal injuries resulting from an accident, nor does it cover any damage to your own property or your vehicle. Because it is limited to third-party injury and death, you would need additional private insurance to protect yourself and your own assets.
How to apply
- Maintain your vehicle according to national standards to prepare for inspection.
- Schedule your mandatory vehicle inspection (shaken).
- Pay the required insurance fees during the inspection process.
- Ensure your inspection documents reflect the current insurance status.