Recently, the rate of foreigners causing traffic accidents is increasing. Traffic accidents can happen anytime, anywhere. Here, KUROFUNE will introduce the types of insurance to help you minimize the cost of compensation in the event of an accident or accident. Traffic accidents and car insurance 

1/ In the case of causing traffic accident 

When you are the one who causes a traffic accident, you must immediately stop driving, rescue the injured, take immediate rescue measures, use traffic devices to warn of dangers in the right place. accident and notify the police. 

(1) Contact the police: Stop the vehicle in a safe place to avoid causing traffic jams or other accidents, immediately contact the police (tel: 110), if someone is injured, call an ambulance to ensure the safety of the vehicle. victim. 

(2) Check the scene When the police arrive, ask them to confirm the accident scene. Stay at the scene until the police arrive (unless someone is injured). Failure to comply with this may result in your loss of coverage

(3) Confirmation between the parties informs the victim of his/her address, name, and phone number and also requests the victim to provide the same information. 

(4) Notify the insurance company If you do not notify the insurance company, you may not be paid. Insurance companies can advise you after the accident and negotiate on your behalf with the accident victim. Therefore, you should go through the insurance company to negotiate with the accident victim.

2/ In thee case of traffic accident 

(1) Confirmation between the parties: Confirm the address, name, phone number, license plate … of the person who caused the accident. In addition, he must also notify the person who caused the accident his or her similar information. 

(2) Notify the police. Immediately notify the nearest police station (phone number 110). An accident certificate from the police is required in order to claim compensation from the party causing the accident and the insurance company. 

(3) Go to the hospital, get a certificate of medical results. When claiming treatment from an insurance company or from the person who caused the car accident, you will need a medical certificate, even in the case of minor injuries.

(4) Making employee certification In case of an accident and cannot go to work, it is necessary to contact the workplace (company) for a certificate of employee identification. Obtaining this certificate is necessary to claim compensation from the cause of the accident and the insurance company.

 * If you are injured in a traffic accident, you can get the following compensation: Car liability insurance and other insurance from the person who caused the accident. * In case of traffic accident while working or changing job, you can receive compensation from occupational accident insurance.

3/ Compulsory insurance (car damage liability insurance) 

There are two types of insurance: compulsory insurance and voluntary insurance. Under Japanese law, all car owners are required to participate in auto damage liability insurance (self-insurance). 

This type of insurance is automatically signed up when you purchase and have your vehicle inspected and serviced. This insurance only applies in the case of a car or motorbike in operation that causes death or injury to another person and only compensates within a certain limit. This compensation covers only the minimally necessary expenses and may not be sufficient for cases where larger costs are required. Therefore, you should join other types of voluntary insurance.

4/ Voluntary insurance 

Voluntary insurance covers losses outside the scope of compulsory insurance such as property loss (others’ property is lost due to an accident) and vehicle loss (vehicle is lost or stolen). thief). 

Voluntary insurances also cover personal losses that are covered by compulsory insurance but the amount of damage exceeds the limit of compulsory insurance. You can join voluntary insurance of insurance companies in the society.