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Auto Liability Coverage Limits

CALI (Mutual Insurance)
Auto Liability Coverage Limits

CALI payments (mutual insurance payments) for damages have payment limits for injury, death, residual disability, and injury resulting in death, respectively.

Damages for injury

Damages for injury include medical expenses, document fees, damages for missed work, and compensation for distress.

Coverage Limits

(per victim)
1.2 million yen

Compensation
Damage Covered by Payments Criteria for Payment
Medical treatment
Related expenses 		Medical treatment expenses Fees for medical examinations and surgeries, or fees for medications, procedures, hospitalization, etc. The actual, necessary and reasonable expenses incurred for treatment will be paid.
Medical treatment
Related expenses 		Nursing care fees As a general rule, benefits for home nursing care for children under 12 years of age accompanied by a close relative etc., or for inpatient hospitalization and home and outpatient nursing fees when the doctor recognizes the need for nursing care 4,200 yen per day for hospitalization, 2,100 yen per day for home nursing or hospital visit If proof is provided that the reduction in income is greater than this, immediate family members will be paid 19,000 yen; others will be paid the actual amount up to the local housekeeper's rate.
Medical treatment
Related expenses 		Sundry expenses Miscellaneous expenses incurred during hospitalization. As a general rule, 1,100 yen per day is paid.
Medical treatment
Related expenses 		Hospital out-patient expenses Transportation expenses required for hospital visits: Necessary and reasonable actual expenses incurred for hospital visits will be paid.
Medical treatment
Related expenses 		Cost of prosthetic limbs, etc. Expenses for artificial limbs, artificial eyes, glasses, hearing aids, crutches, etc.: Necessary and reasonable actual expenses will be paid, with a limit of 50,000 yen for eyeglasses.
Medical treatment
Related expenses 		Cost of medical certificates, etc. Fees for issuing medical certificates and medical fee statements: You will be reimbursed for the necessary and reasonable actual costs of issuance.
Document Fees Fees for issuing Traffic Accident Certificates, seal registration certificates, resident certificates, etc.: You will be reimbursed for the necessary and reasonable actual costs of issuance.
Damages for Missed Work Decrease in income (including use of paid leave, and domestic work) as a result of injury incurred in accident: In principle, 6,100 yen per day. The actual amount will be paid up to 19,000 yen upon proof of a further reduction in income.
Compensation for distress Compensation for emotional and physical suffering caused by traffic accidents: 4,300 yen per day will be paid, and the number of days covered will be determined within the treatment period, taking into consideration the state of the victim's injuries and the number of days of actual medical treatment.

Damages for Residual Disability:

For damages for residual disability, lost earnings, compensation for distress, etc. are paid according to the degree of disability.

Coverage Limits

(1) Significant impairment of nervous system function or mental or thoracic and abdominal organs that requires nursing care
(per victim)
Cases requiring continuous nursing care (Grade 1): 40 million yen
Cases requiring occasional nursing care: (Grade 2): 30 million yen

(2) Residual disability other than 1 above
(per victim)
(Grade 1): 30 million yen - (Grade 14): 750,000 yen

Compensation
Damage Covered by Payments Criteria for Payment
Lost earnings Decreased income that would occur in the future due to reduced work capacity caused by disability remaining in the body The rate of loss of work capacity according to income and each level of disability (Levels 1-14), calculated according to the duration of loss and other factors
Compensation for distress, etc. Compensation for emotional and physical suffering caused by traffic accidents: In the case of 1. above, (Class 1) 16,500,000 yen and (Class 2) 12,030,000 yen will be paid, plus (Class 1) 5,000,000 yen and (Class 2) 2,050,000 yen as initial expenses. In the case of 2. above, (Class 1) 11,500,000 yen to (Class 14) 320,000 yen will be paid, both of which will be increased if there are dependents in Class 1 to 3.
Table of Grades of Residual Disability

Grade and maximum amount in case of residual disability requiring nursing care

Grade Residual disability that requires nursing care Amount of insurance (mutual insurance)
Grade 1
  1. A serious, lasting impairment of the functions of the nervous system, or a serious, lasting organic mental disorder or psychological damage, that requires continuous nursing care
  2. A serious, lasting impairment of the functions of the thoracic and abdominal organs that requires continuous nursing care
40 million yen
Grade 2
  1. A serious, lasting impairment of the functions of the nervous system, or a serious, lasting organic mental disorder or psychological damage, that requires occasional nursing care
  2. A serious, lasting impairment of the functions of the thoracic and abdominal organs that requires occasional nursing care
30 million yen

[Remark] A residual disability that does not fall under any of the residual disability grades but is equivalent to a residual disability of the respective grade shall be considered a residual disability of the respective grade.

Grade and Limit of Residual Disability

Grade Residual disability that requires nursing care Amount of insurance (mutual insurance)
Grade 1
  1. Loss of vision in both eyes
  2. Loss of mastication and speech functions
  3. Loss of both upper limbs at or above the elbow joint
  4. Complete loss of the use of both upper limbs
  5. Loss of both lower limbs at or above the knee joint
  6. Complete loss of the use of both lower limbs
30 million yen
Grade 2
  1. Loss of vision in one eye and decrease of vision in the other eye to a visual acuity of 0.02 (20/1000) or less
  2. Decrease of vision in both eyes to a visual acuity of 0.02 (20/1000) or less
  3. Loss of both upper limbs at or above the wrist joint
  4. Loss of both lower limbs at or above the ankle joint
25.9 million yen
Grade 3
  1. Loss of vision in one eye and decrease of vision in the other eye to a visual acuity of 0.06 (approx. 20/333) or less
  2. Loss of mastication or speech function
  3. A serious, lasting impairment of the functions of the nervous system, or a serious, lasting organic mental disorder or psychological damage, leading to a life-long inability to work
  4. A serious, lasting impairment of the functions of the thoracic and abdominal organs, leading to a life-long inability to work
  5. Loss of thumbs and all fingers of both hands
22.19 million yen
Grade 4
  1. Decrease of vision in both eyes to a visual acuity of 0.06 (approx. 20/333) or less
  2. Serious, lasting impairment of mastication and speech functions
  3. Complete loss of hearing in both ears
  4. Loss of one of the upper limbs at or above the elbow joint
  5. Loss of one of the lower limbs at or above the knee joint
  6. Complete loss of the use of the thumbs and all fingers of both hands
  7. Loss of both feet at or above the Lisfranc's joint
18.89 million yen
Grade 5
  1. Loss of vision in one eye and decrease of vision in the other eye to a visual acuity of 0.1 (20/200) or less
  2. A serious, lasting impairment of the functions of the nervous system, or a serious, lasting organic mental disorder or psychological damage, leading to a life-long inability to perform any duties other than especially light work
  3. A serious, lasting impairment of the functions of the thoracic and abdominal organs leading to inability to perform any duties other than especially light work
  4. Loss of one of the upper limbs at or above the wrist joint
  5. Loss of one of the lower limbs at or above the ankle joint
  6. Complete loss of function in one of the upper limbs
  7. Complete loss of function in one of the lower limbs
  8. Loss of all toes of both feet
15.74 million yen
Grade 6
  1. Decrease of vision in both eyes to a visual acuity of 0.1 (20/200) or less
  2. Serious, lasting impairment of mastication or speech function
  3. Decrease of hearing in both ears to the level where only a loud voice extremely near to the ear can be heard
  4. Complete loss of hearing in one ear and decrease of hearing in the other ear to the extent that an ordinary speaking voice cannot be heard at a distance of 40cm or more
  5. A serious, lasting deformity or impairment of movement in the spine
  6. Loss of the use of two of the three major joints of one of the upper limbs
  7. Loss of the use of two of the three major joints of one of the lower limbs
  8. Loss of all five fingers of one hand or loss of four fingers including the thumb on one hand
12.96 million yen
Grade 7
  1. Loss of vision in one eye and decrease of vision in the other eye to a visual acuity of 0.6 (approx. 20/33) or less
  2. Decrease of hearing in both ears to the extent that an ordinary speaking voice cannot be heard at a distance of 40cm or more
  3. Complete loss of hearing in one ear and decrease of hearing in the other ear to the extent that an ordinary speaking voice cannot be heard at a distance of 1m or more
  4. Lasting impairment of the functions of the nervous system, or a lasting organic mental disorder or psychological damage, leading to an inability to perform any duties other than light work
  5. Lasting impairment of the functions of the thoracic and abdominal organs leading to inability to perform any duties other than light work
  6. Loss of three fingers including the thumb on one hand or loss of four of the fingers other than the thumb on one hand
  7. Loss of the use of all five fingers of one hand or loss of the use of the thumb and three other fingers of one hand
  8. Loss of one of the feet at or above the Lisfranc joint
  9. Lasting nonunion of a bone and serious, lasting impairment of movement in one upper limb
  10. Lasting nonunion of a bone and serious, lasting impairment of movement in one lower limb
  11. Complete loss of the use of all of the toes of both feet
  12. Extreme, lasting deformities in appearance
  13. Loss of both testicles
10.51 million yen
Grade 8
  1. Loss of vision in one eye or decrease of vision in one eye to a visual acuity of 0.02 (20/1000) or less
  2. Lasting impairment of movement in the spine
  3. Loss of two fingers including the thumb on one hand or loss of three of the fingers other than the thumb on one hand
  4. Loss of the use of three fingers including the thumb on one hand or loss of the use of four of the fingers other than the thumb on one hand
  5. Shortening of one lower limb by 5 cm or more
  6. Loss of the use of one of the three major joints of one upper limb
  7. Loss of the use of one of the three major joints of one of the lower limbs
  8. Lasting nonunion of a bone in one upper limb
  9. Lasting nonunion of a bone in one lower limb
  10. Loss of all of the toes of one foot
8,190,000 yen
Grade 9
  1. Decrease of vision in both eyes to a visual acuity of 0.6 approx. 20/33) or less
  2. Decrease of vision in one eye to a visual acuity of 0.06 (approx. 20/333) or less
  3. Lasting hemianopsia, tunnel vision, or distortion of visual field in both eyes
  4. Permanent loss of a significant part of both eyelids
  5. Loss of part of the nose, and serious, lasting impairment of its functions
  6. Lasting impairment of mastication and speech functions
  7. Decrease of hearing in both ears to the extent that an ordinary speaking voice cannot be heard at a distance of 1m or more
  8. Decrease of hearing in one ear to the extent that only a loud voice extremely near to the ear can be heard, and decrease of hearing in the other ear to the extent that an ordinary speaking voice is difficult to heard at a distance of 1m or more
  9. Complete loss of hearing in one ear
  10. Lasting impairment of the functions of the nervous system, or a lasting organic mental disorder or psychological damage, leading to a considerable limitation of ability to work
  11. Lasting impairment of the functions of the thoracic and abdominal organs, leading to considerable limitation of ability to work
  12. Loss of a thumb on one hand or loss of two of the fingers other than the thumb on one hand
  13. Loss of the use of two fingers including the thumb on one hand or loss of the use of three of the fingers other than the thumb on one hand
  14. Loss of two or more toes on one foot including the big toe
  15. Loss of the use of all of the toes of one foot
  16. Considerable, lasting deformities in appearance
  17. Serious, lasting impairment of the genital organs
6.16 million yen
Grade 10
  1. Decrease of vision in one eye to a visual acuity of 0.1 (20/200) or less
  2. Lasting symptoms of double vision when looking forward
  3. Lasting impairment of mastication or speech functions
  4. Dental prostheses on 14 or more of the teeth
  5. Decrease of hearing in both ears to the extent that an ordinary speaking voice is difficult to heard at a distance of 1m or more
  6. Decrease of hearing in one ear to the extent that only a loud voice extremely near to the ear can be heard
  7. Loss of the use of the thumb or on one hand or loss of the use of two of the fingers other than the thumb onof one hand
  8. Shortening of one lower limb by 3 cm or more
  9. Loss of the big toe on one foot or loss of the four toes other than the big toe on one foot
  10. Serious, lasting impairment of function in one of the three major joints of one of the upper limbs
  11. Serious, lasting impairment of function in one of the three major joints of one of the lower limbs
4.61 million yen
Grade 11
  1. A serious, lasting accommodative dysfunction or impairment of movement in both eyes
  2. A serious, lasting impairment of movement in both eyelids
  3. Permanent loss of a significant part of one eyelid
  4. Dental prostheses on 10 or more of the teeth
  5. Decrease of hearing in both ears to the extent that a low speaking voice cannot be heard at a distance of 1m or more
  6. Decrease of hearing in one ear to the extent that an ordinary speaking voice cannot be heard at a distance of 40cm or more
  7. A lasting spinal deformity
  8. Loss of the index finger, middle finger, or ring finger of one hand
  9. Loss of the use of two or more toes on one foot including the big toe
  10. Lasting impairment of the functions of the thoracic and abdominal organs leading to considerable impairment of work performance
3.31 million yen
Grade 12
  1. A serious, lasting accommodative dysfunction or impairment of movement in one eye
  2. A serious, lasting impairment of movement in one eyelid
  3. Dental prostheses on seven or more of the teeth
  4. Loss of the majority of the auricle of one ear
  5. A serious, lasting deformity of the clavicle, breast bone, rib, shoulder blade, or pelvic bone
  6. Lasting impairment of function in one of the three major joints of one of the upper limbs
  7. Lasting impairment of function in one of the three major joints of one of the lower limbs
  8. A lasting long bone deformity
  9. Loss of the pinky finger of one hand
  10. Loss of the use of the index finger, middle finger, and ring finger on one hand
  11. Loss of the second toe; loss of the second toe and one of the other toe of one foot; or loss of the third, fourth, and fifth toe of one foot
  12. Loss of the use of the big toe on one toe or of the four toes other than the big toes onof one foot
  13. Some lasting, persistent neurological symptoms
  14. Lasting deformities in appearance
2.24 million yen
Grade 13
  1. Decrease of vision in one eye to a visual acuity of 0.6 (approx. 20/33) or less
  2. Lasting symptoms of double vision when looking sideways
  3. Lasting hemianopsia, tunnel vision, or distortion of the visual field in one eye
  4. Permanent loss of a part of both eyelids or of the eyelashes on a part of both eyelids
  5. Dental prostheses on five or more of the teeth
  6. Loss of the use of the pinky finger of one hand
  7. Loss of part of the phalange of the thumb of one hand
  8. Shortening of one lower limb by 1 cm or more
  9. Loss of one or two of the third, fourth, and fifth toes of one foot
  10. Loss of the use of the second toe; loss of the use of the two toes including the second toe on one foot; or loss of the use of the third, fourth and fifth toes on one foot
  11. Lasting impairment of the functions of the thoracic and abdominal organs
1,390,000 yen
Grade 14
  1. Permanent loss of a part of one eyelid or of the eyelashes on a part of one eyelid
  2. Dental prostheses on three or more of the teeth
  3. Decrease of hearing in one ear to the extent that a low speaking voice cannot be heard at a distance of 1m or more
  4. A permanent palm-sized scar on the exposed surface of either of the upper limbs
  5. A permanent palm-sized scar on the exposed surface of either of the lower limbs
  6. Loss of part of phalange of any finger of one hand, other than the thumb
  7. Inability to bend or extend the distal interphalangeal joint of any finger of one hand, other than the thumb
  8. Loss of the use of one or two of the third, fourth, or fifth toes of one foot
  9. Some residual neurological symptoms
750,000 yen

Damages for Death:

Damages for death are paid as funeral expenses, lost earnings, and compensation for the victim and bereaved family members.

Coverage Limits

(per victim)
30 million yen

Compensation
Damage Covered by Payments Criteria for Payment
Funeral expenses: expenses for wake, altar, cremation, headstone, etc. (excluding grave plot, presents given in return for funeral offerings, etc.) One million yen will be paid.
Lost earnings The amount of income that the victim would have earned in the future had they not died, less their living expenses The calculation is based on income, length of time available for work, and the presence or absence of dependents.
Compensation for distress For the victim's own compensation: 4 million yen will be paid.
Compensation for distress The amount of compensation for bereaved family members depends on the number of claimants for bereaved family members' compensation (parents, spouse and children of the victim). One claimant will be paid 5.5 million yen, two claimants 6.5 million yen, three or more claimants 7.5 million yen, and if the victim has dependents, an additional 2 million yen will be added.

Note: The provisions of Damages for residual disability shall apply mutatis mutandis to damages for injuries resulting in death.

Reduction of Payments

In the following cases, the amount paid by CALI (mutual insurance) will be reduced.

  • If the victim was grossly negligent
  • If it is difficult to determine whether or not there is a causal relationship between the injury and death or residual disability

Note: The applicable Criteria for Payment may vary depending on the date of the accident. For details, please ask your non-life insurance company (mutual insurance association).

Criteria for Payment

CALI (mutual insurance) pays for personal injury to victims of automobile accidents to ensure basic compensation within certain limits of CALI (mutual insurance) payments, etc., as stipulated by government ordinance. In order to ensure prompt and fair payment of CALI payments (mutual insurance payments), etc., non-life insurance companies (mutual insurance associations) are required to make payments in accordance with the Criteria for Payment [PDF/1,900KB], which stipulate the standards for calculating the respective amounts of Damages for residual disability, residual disability, and death.

Reference Materials

Cases in which CALI Payments (Mutual Insurance Payments) are Not Paid

Accidents that are 100% the responsibility of the victim (no-fault accidents) are not covered by the other vehicle's CALI (mutual insurance) payment.

Three Major Factors of No-Fault Accidents

No-fault accidents include the following cases, which are not covered by CALI (mutual insurance) payments.

Collisions caused by excessive speed

Accident caused by the victim's vehicle crossing the center line

Collisions due to jaywalking

Accidents caused by the victim's vehicle ignoring a red light

Collisions caused by distracted driving or falling asleep at the wheel

The victim's vehicle rear-ended the other vehicle.

Please use this information to ease your
concerns and for support.

If You Are Involved in a Traffic Accident

The Ministry of Land, Infrastructure, Transport and Tourism (MLIT) has prepared a pamphlet titled "If You Are Involved in a Traffic Accident." This pamphlet informs and guides people who have been involved in a traffic accident about various systems and procedures. The challenges you face due to a sudden traffic accident will change over time. Please use the information in this pamphlet according to your situation at the time.

Download the PDF
“If You Are Involved in a Traffic Accident”

Traffic Accident Victim's Notebook

MLIT has created the “Traffic Accident Victim's Notebook” with the hope of providing support to automobile accident victims. The notebook allows victims and their families to record accident details and provides information about support systems available through police, local governments, and private victim support organizations. We also hope that it will provide support to all accident victims, and help to ease their concerns.

Download the PDF
of the Traffic Accident Victim's Notebook