Frequently Asked Questions

A.1 The CALI system is designed to support victims of automobile accidents, reduce the number of people suffering because of automobile accidents, and realize a safe-driving society. This is done by complementing CALI insurance and mutual insurance with support for victims and accident prevention measures.

A.2 The CALI system is founded on the Act on Securing Compensation for Automobile Accidents (Act No. 97 of 1955), as amended by the Act for Partial Revision of the Act on Securing Compensation for Automobile Accidents and the Special Account Act, (Act No. 65 of 2022) promulgated on June 15, 2022.

A.3 This insurance (or mutual insurance) is designed to provide relief to victims of traffic accidents by securing a minimum level of compensation for bodily injury by guaranteeing the financial burden to be borne by the at-fault party. It is required for all motor vehicles*, including motorized bicycles (mopeds).
*Note that small-sized special motor vehicles (such as agricultural tractors and rice transplanters with a speed of less than 35 km/h) are not covered by CALI.

A.4 This is a system under which the government (MLIT) pays compensation to victims of "hit-and-run accidents" or "uninsured (mutual insurance) accidents" within the amount stipulated by the Enforcement Order for the Act on Securing Compensation for Automobile Accidents as a final relief measure in cases where damages remain for the victim even after benefits from other health insurance and industrial accident compensation insurance (benefits under other laws) and payments from the at-fault driver or other party responsible for damages. Since this compensation for damages is paid in advance to the victim on behalf of the person originally responsible for damages, the government will seek compensation from the at-fault driver, etc., who is the party responsible for damages, up to the amount of the payment.

A.5 MLIT, together with the National Agency for Automotive Safety and Victims' Aid (NASVA), provides support for victims of automobile accidents and their families and bereaved family members. It does so by establishing and operating hospitals specialized for victims of automobile accidents with persistence of impaired consciousness (a state in which they are unable to move on their own due to brain damage), providing benefits for home nursing care, supporting the development of an environment to secure a place to live after the loss of a caregiver, and providing support for those who have spinal cord injuries or higher brain dysfunction (a condition that restricts daily life due to memory impairment caused by brain damage). Also provided are loans for the livelihood of children orphaned, etc. by traffic accidents. For more information, please check the following links.
https://www.mlit.go.jp/jidosha/jibaiseki/jikotai/victim_support/index.html

A.6 MLIT, together with the NASVA, conducts car assessments to evaluate the safety performance of vehicles. It supports the introduction of advanced safety vehicles (ASVs) and drive recorders, etc. to motor transport business operators as a measure to prevent automobile accidents. For more information, please check the following links.
[Vehicle assessment]
https://www.nasva.go.jp/mamoru/about/about.html
[Support for introduction of ASVs]
https://www.mlit.go.jp/jidosha/anzen/01asv/index.html
[Support for introduction of drive recorders, etc.]
https://www.mlit.go.jp/jidosha/anzen/subcontents/jikoboushi.html

A.7 This is for all CALI (mutual insurance) subscribers and is paid as part of the CALI (mutual insurance) premium. The unit price of the shared charge, which is allocated to the existing coverage program, which supports victims of uninsured or mutual insurance accidents, is set based on an estimate of how much will need to be paid in the future for the coverage program, according to differences in risk (frequency of accidents and degree of damage) by use, vehicle type, and other factors. The unit price for the support for victims, which has been newly added since April 2023, is set after estimating how much project cost is required to support victims and undertake accident prevention measures, and taking into account differences in risk due to the number of vehicles and their use, and the vehicle type.

A.8 The "Contribution for Automobile Accident Prevention Projects" is paid to the non-life insurance company or association together with CALI (mutual insurance) premiums. It is then incorporated by the non-life insurance company or association into the Automobile Accident Countermeasure Account of the Special Automobile Safety Account managed by the Minister of Land, Infrastructure, Transport and Tourism, for management there.
The Contribution for Automobile Accident Prevention Projects is clearly separated from General Accounts, which manages financial resources such as taxes. It is used for measures to support victims of automobile accidents and to reduce the number of new victims of automobile accidents (accident prevention measures) in line with the purpose and objectives of the Contribution.

A.9 The number of automobile accidents is on the decline, and the number of people killed in automobile accidents has been decreasing significantly. On the other hand, the number of people left with severe residual disabilities that require continuous nursing care has remained steady in comparison to these declines. In addition, there are significant numbers of people who were victims of automobile accidents at a young age. There will still be people who need assistance for a long time to come. On the other hand, the reserve fund, which is the financial resource to continue such support, may run out in about 15 years at the current pace, or 10 years at the earliest. Under these circumstances, we have established a new shared charge to ease the anxieties of victims of automobile accidents about their future. As soon as possible, we aim to realize a society in which no one is harmed by automobile accidents.

A.10 A total of 1.12 trillion yen was transferred from the Special Automobile Safety Account (then the Special Account for Automobile Liability Reinsurance) to General Accounts: 810 billion yen in FY 1994 and 310 billion yen in FY 1995. This was a measure taken in accordance with the laws* to temporarily utilize reserves in Special Accounts not expected to be utilized immediately in order to make up for the revenue shortfall resulting from reduced tax revenues while achieving the goal of zero deficit government bond issuance during the recessionary phase following the collapse of the bubble economy. The laws clearly state that any funds transferred to General Accounts at that time shall be transferred back to the Special Automobile Safety Account at a later date, with interest, in accordance with the said laws and as provided for in the budget, and the said provisions are still in effect. Therefore, MLIT will continue to request the Ministry of Finance to steadily transfer back the full amount of the loan to MLIT.
*Act on Special Provisions on Transfer of Money for National Government Bonds Consolidation Fund, in Relation to Financial Management of Fiscal 1994 (Act No. 43 of 1994); Act on Special Provisions on Transfer of Money for National Government Bonds Consolidation Fund, in Relation to Financial Management of Fiscal 1995 (Act No. 60 of 1995)

A.11 As of the end of FY2023, 723.7 billion yen had been transferred back from General Accounts to the Special Automobile Safety Account. In the proposed budget for FY2024, 6.5 billion yen is to be transferred from General Accounts to the Special Automobile Safety Account, and as of the end of FY2024, the transfer balance is expected to be 580.2 billion yen.
*"Transfer" here refers to putting money from the Special Automobile Safety Account into General Accounts, and "transfer back" refers to putting money from General Accounts back into the Special Automobile Safety Account.
[Amounts transferred back from General Accounts to the Special Automobile Safety Account in the past five fiscal years]

FY2019: 3.7 billion yen (initial budget), 1.2 billion yen (revised budget)
FY2020 4 billion yen (initial budget), 800 million yen (revised budget)
FY2021 4.7 billion yen (initial budget), 0.8 billion yen (revised budget)
FY2022 5.4 billion yen (initial budget), 1.2 billion yen (revised budget)
FY2023 6 billion yen (initial budget), 1.3 billion yen (revised budget)

A.12 Following the revision of the law in 2001, we have been taking measures to provide support to victims of automobile accidents and to prevent accidents under the current system. At the time, however, it was planned to achieve this using investment gains from the reserve funds of the Special Automobile Safety Account, based on the interest rate level at the time (approximately 2%). However, as interest rates subsequently fell to levels lower than expected, the assumptions underlying the system's design collapsed, and we have had to use reserve funds to implement various projects.
Even at the current pace, that reserve could be depleted in about 15 years, or 10 years at the earliest.
It is clear that there will be people who will continue to need public support in the future. It is also clear that the assumptions on which the system was designed when the law was revised in 2001 have broken down. Under these circumstances, we believe it is necessary to shift to a continuous and stable system that does not rely on finite financial resources, including transfers from General Accounts. We have therefore decided to establish a new shared charge.
With regard to transfers to General Accounts, MLIT will continue to request the Ministry of Finance to steadily transfer back the full amount of the loan to MLIT.

A.13 We ask automobile users to pay automobile-related taxes, inspection and registration fees at the time of vehicle inspection, etc. We set the necessary amount according to the purpose of each charge, and how the money is used. For this reason, these respective financial resources will not be used to support victims of automobile accidents.

A.1 This insurance (or mutual insurance) is designed to provide relief to victims of traffic accidents by securing a minimum level of compensation for bodily injury by guaranteeing the financial burden to be borne by the at-fault party. It is required for all motor vehicles*, including motorized bicycles (mopeds).
*Note that small-sized special motor vehicles (such as agricultural tractors and rice transplanters with a speed of less than 35 km/h) are not covered by CALI.

A.2 The maximum amount of payment paid by CALI (mutual insurance) is as follows, per victim.
Damages for injury: 1.2 million yen
Damages for death: 30 million yen
Damages for residual disability; Residual disability that leaves significant impairment in the functions of the nervous system or in the mental or thoracic and abdominal organs and requires nursing care
In cases requiring continuous nursing care (Grade 1): 40 million yen
In cases requiring occasional nursing care (Grade 2): 30 million yen
Residual disability other than the above:
(Grade 1) 30 million yen - (Grade 14) 750,000 yen
Note: Limits are determined by grade.

A.3 For bodily injury liability coverage, CALI provides the insurance payments up to its coverage limit, while voluntary automobile insurance only covers amounts exceeding the CALI coverage limit. Therefore, if you have voluntary automobile insurance, it does not mean that CALI is unnecessary.
For this reason, if CALI was integrated with voluntary insurance:
■ The rate of CALI premiums might increase due to the need for new voluntary insurance to cover up to the coverage of CALI, which might increase the burden on automobile users.
■ Users at higher risk of accidents would likely pay much higher premium rates and the number of uninsured vehicles might increase.
We believe that the current system is appropriate, as there is a possibility that integrating voluntary and compulsory insurance could make it harder to protect victims.

A.4 Considering that CALI is compulsory insurance, the scope of coverage is narrowed down to compensation for bodily injury, and the minimum required coverage is set to make it easy for anyone who owns a car to join the system (i.e., minimum premiums are kept as low as possible).
If CALI coverage was enhanced:
■ Insurance premium rates might increase, placing a higher burden on automobile users.
■ Users at higher risk of accidents might face significantly higher premium rates and there might be an increase in the number of uninsured vehicles.
We believe that the current system is appropriate, as there is a possibility that integrating voluntary and compulsory insurance could make it harder to protect victims.

A.1 This is a system under which the government (MLIT) pays compensation to victims of "hit-and-run accidents" or "uninsured (mutual insurance) accidents" within the amount stipulated by the Enforcement Order for the Act on Securing Compensation for Automobile Accidents as a final relief measure in cases where damages remain for the victim even after benefits from other health insurance and industrial accident compensation insurance (benefits under other laws) and payments from the at-fault driver or other party responsible for damages.
Since this compensation for damages is paid in advance to the victim on behalf of the person originally responsible for damages, the government will seek compensation from the at-fault driver, etc., who is the party responsible for damages, up to the amount of the payment.

A.2 The amount of compensation (payment) under the Government’s Program Guaranteeing Compensation for Automobile Accidents is be paid in accordance with the Criteria for Payment of CALI (Mutual Insurance). However, the Government’s Program Guaranteeing Compensation for Automobile Accidents is a final relief system for victims who cannot be relieved by CALI (mutual insurance). So, it differs from CALI (mutual insurance) in the following ways.
(1) Only the victim can file a claim. No claim can be filed by the at-fault party.
(2) If you are entitled to benefits from social insurance such as health insurance or industrial accident compensation insurance, these amounts will be deducted from the compensation.
(3) The government will seek compensation for the victim from the at-fault party (the party responsible for damages) for the amount of compensation paid to the victim, up to the amount of the payment.
Please check the URL below for details.
Claims to the Government’s Program Guaranteeing Compensation for Automobile Accidents are accepted by non-life insurance companies (mutual insurance associations). Please contact your non-life insurance company (mutual insurance association) for details.
https://www.mlit.go.jp/jidosha/jibaiseki/jikotai/public_payment/index.html

A.3 Please check "About the Government’s Program Guaranteeing Compensation for Automobile Accidents."
https://www.mlit.go.jp/jidosha/jibaiseki/public_payment/index.html

A.1 CALI (mutual insurance) covers only damages for personal injury. Physical damage to vehicles and other property is not covered.

A.2 CALI (mutual insurance) is based on the Act on Securing Compensation for Automobile Accidents, which requires all motor vehicles to have an insurance contract in order to provide relief to victims of personal injury accidents caused by the operation of motor vehicles and to ensure the fulfillment of liability for damages. Therefore, CALI (mutual insurance) will not pay out CALI claims for property damage accidents.

A.3 Car repairs are not paid for. CALI (mutual insurance) pays for damages for personal injury if the operation of a motor vehicle results in death or injury to another person. Along with automobiles, clothes, bicycles, and other property damage are outside the scope of payments.

A.4 A claim against a at-fault party must be filed within three years from the date of payment of compensation to the victim. The victim's claim is due within three years from the date of the accident. However, in the case of death, it is within three years from the date of death, and in the case of residual disability, it is within three years from the date when the symptoms of residual disability are fixed. If your claim is delayed for any reason, please contact the respective non-life insurance company (mutual insurance association).

Note: For all accidents occurring before March 31, 2010, the limit will be two years instead of three years.

A.5 There are two ways to file a claim: from the at-fault party (Claim by the at-fault party) or from the victim (victim's claim).
<Claim by the at-fault party>
After the at-fault party pays compensation to the victim, a claim for CALI payment is filed, with the receipt and other necessary documents.
<Victim's claim>
The victim files a claim for the amount of damages directly with the non-life insurance company (mutual insurance association) to which the at-fault party belongs, along with the necessary documents.

A.6 There is a method in which the victim can file a claim directly with the CALI company (mutual insurance association) that the at-fault party is a member of. (victim's claim)

A.7 The CALI company (mutual insurance association) of the parties involved and the certificate number are listed on the Traffic Accident Certificate.

The Certificate is issued by the Japan Safe Driving Center for the location where the accident occurred. Application forms for this Certificate are available at the nearest police station, police box, or Japan Safe Driving Center.
For information on how to apply, please click here (website of the Japan Safe Driving Center).

A.8 You can file a claim with the CALI company (mutual insurance association) or the at-fault party's voluntary insurance company (mutual insurance association).

A.9 Because CALI and voluntary automobile insurance (whether provided by an insurance company or a mutual insurance association) are distinct contracts, the general rule is to file claims separately: with the CALI provider for CALI payments, and with the voluntary insurance provider for voluntary insurance benefits. However, for the convenience of the insured and to expedite victim relief, the voluntary insurance provider typically handles all payments, including both CALI and voluntary coverage, in a single lump sum to the insured. The voluntary insurance provider then later seeks reimbursement for the CALI portion from the CALI provider.

A.10 Voluntary insurance offers a lump-sum payment system under which the payment made by CALI is also paid together. The victim does not need to file a separate claim with CALI. If settlement is difficult, negotiations may be terminated and the victim may file a claim directly with CALI (mutual insurance).

A.11 The lump-sum payment to the at-fault party's voluntary insurance company (mutual insurance association) can be cancelled, and the victim can file a claim directly with CALI (mutual insurance). However, the remaining damages will be paid after deducting the medical expenses already paid by the voluntary insurance company (mutual insurance association), etc. In addition, no payment will be made if the total amount already paid exceeds the CALI limit.

A.1 The Act on Securing Compensation for Automobile Accidents stipulates that non-life insurance companies (mutual insurance associations) must pay CALI payments (mutual insurance payments) in accordance with Criteria for Payment established by the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister.

The Criteria for Payment are set forth in the Standards for Payment of Insurance Claim, Etc. Under Automobile Liability Insurance, and Payment of Mutual Aid Claim, Etc, Under the Automobile Liability Mutual Aid (Notification No. 1 of the Financial Services Agency and the Ministry of Land, Infrastructure, Transport and Tourism, 2001) (PDF)."

A.2 CALI (mutual insurance) is insurance (mutual insurance) that, in principle, all motor vehicles are required to have in order to provide relief to victims of personal injury accidents, in accordance with the Act on Securing Compensation for Automobile Accidents. Payments include the following.

1. Damages for injury
The payments cover medical expenses, document fees, damages for missed work, and compensation for distress, with a maximum payment limit of 1.2 million yen per victim.

2. Damages for residual disability
A residual disability is defined as an impairment of the body, mobility, or work capacity due to the accident, which is expected to remain in the future and is difficult to recover from.
Under CALI (mutual insurance), it is possible to file a claim for damages for residual disability if the existence of a mental or physical disability that has a reasonable causal relationship to the injury and that is expected to be difficult to recover from in the future is medically recognized. Damages for residual disability are paid in accordance with the grade of residual disability when the disability is certified as a residual disability based on a doctor's issuance of a Medical Certificate of Residual Disability and certain procedures. The maximum amount of payment ranges from 40 million yen (Appended Table 1, Grade 1) to 750,000 yen (Appended Table 2, Grade 14) per victim, depending on the grade.

3. Damages for death
Funeral expenses, lost earnings, compensation for the deceased, and compensation for the bereaved family are covered, with the maximum amount of payment being up to 30 million yen per victim.

A.3 Since the liability for damages caused by a tort in a traffic accident naturally rests on the at-fault party in the accident, any damages in excess of the CALI coverage limit will be claimed against the voluntary insurance, etc. of the at-fault party in the accident.

A.4 The amount will not be reduced unless the victim is at least 70% at fault.

A.5 The primary purpose of the CALI system is to provide relief to victims of traffic accidents. However, since CALI (mutual insurance) cover damages when the "operation" of a vehicle causes death or injury to "others" and the at-fault party is legally liable for damages, the following cases are not covered by this insurance.
1. When the at-fault party is not responsible (when all three conditions can be proven)
[Three conditions]
Self and the driver were not negligent in the operation of the vehicle.
There was error or negligence on the part of a third party other than the victim or the driver
The automobile was not structurally defective or functionally impaired
2. If death or injury results from a self-inflicted accident
3. If death or injury was not caused by the operation of a motor vehicle
4. If the victim is not an "other."
"Other" is the opposite concept of "self" and refers to persons other than the owner and driver.
Owner: "The owner of an automobile or any other person entitled to use it, and who operates such automobile for his/her benefit" (Article 2, Paragraph 3 of the Act)
Driver: "A person who drives or assists in driving of an automobile for another person's benefit" (Article 2, Paragraph 4 of the Act)
5. If the damage is caused by the malicious intent of the policyholder, owner, or driver

A.6 Compensation will be paid as damages for missed work. As a general rule, 6,100 yen is paid per day. If there is proof that income has decreased more than this, the actual amount will be paid up to 19,000 yen.

A.1 If you are not satisfied with the CALI payment (mutual insurance payment), you may file an objection with the CALI company (mutual insurance association). For details, please contact the non-life insurance company (mutual insurance association) from which you made the claim.

In addition to the objection system, an application for dispute resolution may also be filed with the Foundation Jibaiseki Handling of Disputes Mechanism. The Foundation conducts conciliation at the Dispute Resolution Committee by third-party dispute resolution committee members consisting of lawyers, doctors, and academics who are fair and neutral and have expert knowledge.

A.2 If you are dissatisfied with the approval of the grade of residual disability, you can file an objection with the non-life insurance company (mutual insurance association) or apply for conciliation with the Foundation Jibaiseki Handling of Disputes Mechanism).
If you are dissatisfied with the results of the conciliation by Foundation Jibaiseki Handling of Disputes Mechanism, a new objection can be filed with the non-life insurance company (mutual insurance association) with new materials to prove the case, or a lawsuit can be filed to dispute the case in court.
(Reference)
Foundation Jibaiseki Handling of Disputes Mechanism
○ Inquiries
0120-159-700
○ Website
https://www.jibai-adr.or.jp/

A.3 The CALI system was established to protect victims. The Act on Securing Compensation for Automobile Accidents allows victims to file a claim for damages, and the victim need only allege the fact that damage (personal injury) was caused by the operation of an automobile. Therefore, if there is a fact that damage occurred to the victim and the damage can be proven by submitting documentary evidence, the CALI insurance payment (mutual insurance-payment) will be paid.

A.4 It depends on the content of the lawsuit, but if the issue in the lawsuit is the grade of residual disability or the reasonable causal relationship between the accident and symptoms, the grade, etc. should be clarified in the lawsuit. Therefore, if the case is pending, we have no choice but to withhold approval of the grade of residual disability. Once the judgment is final, CALI (mutual insurance will also make payment if any payment can be made in accordance with the contents of the judgment.

A.5 If the claimant's disability is more severe than the already approved grade due to aggravation of the residual disability or a new diagnosis of higher brain dysfunction, the claimant can apply to the non-life insurance company (mutual insurance association) with medical evidence, such as a medical certificate and x-ray photographs.

A.6 Fixation of symptoms of residual disability is made when a doctor determines that the disability remains when the injury is cured. This is graded as a residual disability and CALI payment (mutual insurance payment) is paid.
Therefore, treatment expenses after the fixation of residual disability symptoms will not be approved.

A.1 If a victim or a CALI policyholder believes that their CALI claim payment from the insurance provider (whether an insurance company or a mutual insurance association) violates the Criteria for Payment, or that the provider has failed to provide adequate written information about these Criteria, they may notify this to the Minister of Land, Infrastructure, Transport and Tourism under Article 16-7 of the Act on Securing Compensation for Automobile Accidents.

If the Minister of Land, Infrastructure, Transport and Tourism finds that a non-life insurance company (mutual insurance association) has not paid CALI (compulsory automobile liability) insurance payments (mutual insurance payments) in accordance with the Criteria for Payment, or has not followed proper information provision procedures in response to a request from a victim or an insurance (mutual insurance) policyholder, he/she will issue necessary instructions to the non-life insurance company (mutual insurance association) in accordance with Article 16-8 (Instructions, etc.) of the Automobile Liability Security Act.

A.1 It is compulsory to have CALI (mutual insurance) under the Act on Securing Compensation for Automobile Accidents.

A.2 CALI (mutual insurance) is required by the Act on Securing Compensation for Automobile Accidents, and even if you have a "Family Motorcycle Special Clause" or "unlimited bodily injury coverage" automobile insurance (voluntary insurance), you must still purchase the CALI (mutual insurance).

If you drive without CALI (mutual insurance) and only have a voluntary automobile insurance policy and cause an accident, you will only be paid for the amount exceeding the payment limit of CALI (mutual insurance). (You will be responsible for paying up to the limit of the insurance payment (mutual insurance payment) paid by CALI (mutual insurance).) So, please be careful about this point..

A.3 Contracts can be made at the branch offices or agencies of non-life insurance companies (mutual insurance associations) that handle CALI (mutual insurance).
For motorcycles with displacement of 250 cc or less (light motorcycles and motorized bicycles not subject to inspection), contracts can also be made at post offices (except minor post-office outlets, etc.) and some convenience stores. At some companies, contracts can be made online.
For details on the procedure and required documents, please contact the non-life insurance company (mutual insurance association) or agency with which you wish to make a contract.

A.4 The General Insurance Rating Organization of Japan (GIROJ) conducts damage assessments for CALI (mutual insurance). GIROJ calculates premiums for the next and subsequent years based on future estimates of CALI (mutual insurance) income and expenditure, based on the status of traffic accidents and insurance payments (mutual insurance payments), and submits a report to the Financial Services Agency.
In response, the Financial Services Agency consults with the Council on Automobile Liability Insurance and, upon receipt of the results of the deliberations, issue a public notice of premiums if revisions are to be made.

A.1 The change of address procedure is handled at the office of the non-life insurance company (mutual insurance association) with which you have a contract.
The procedure requires a CALI (mutual insurance) certificate, etc. For details on the procedure and required documents, please contact your non-life insurance company (mutual insurance association). (Contact information is listed at the bottom of the CALI (mutual insurance) certificate.)

A.2 A change of subscriber (transfer of rights) procedure is required. The procedures can be completed at the office of the non-life insurance company (mutual insurance association) with which you have a contract.
The procedure requires a CALI (mutual insurance) certificate, etc. For details on the procedure and required documents, please contact your non-life insurance company (mutual insurance association). (Contact information is listed at the bottom of the CALI (mutual insurance) certificate.)

A.3 Although CALI (mutual insurance) payments will be paid, if there is any change in the information on the CALI (mutual insurance) certificate, you must promptly change the information on the certificate at the non-life insurance company (mutual insurance association) with which you have a contract.
The procedure requires a CALI (mutual insurance) certificate, etc. For details on the procedure and required documents, please contact your non-life insurance company (mutual insurance association). (Contact information is listed at the bottom of the CALI (mutual insurance) certificate.)

A.1 You can cancel your policy at the office (not at an agent) of the non-life insurance company (mutual insurance association) with which you have a contract.
The procedure requires a CALI (mutual insurance) certificate, etc. For details on the procedure and required documents, please contact your non-life insurance company (mutual insurance association). (Contact information is listed at the bottom of the CALI (mutual insurance) certificate.)
Please note that the insurance (mutual insurance) contract will be cancelled not at the time the car is scrapped, but only after the procedures are completed by the non-life insurance company (mutual insurance association).
(The premium includes the commission of the non-life insurance company (mutual insurance association), and the amount of refund is based on the commission and the insurance period. (Even if you cancel before the insurance period begins, you will not receive a full refund. In addition, if the remaining period of insurance is less than one month, there is no cancellation refund premium.) Please check with your non-life insurance company (mutual insurance association) for details on refund amounts, etc.)

A.1 The reissuance procedure must be performed by the policyholder himself/herself at the office (not at an agent) of the non-life insurance company (mutual insurance association) with which he/she has contracted.
ID or other identification is required for the procedure. For details on the procedure, please contact your non-life insurance company (mutual insurance association).

A.1 MLIT sends warning postcards to motorcycle subscribers who have not been confirmed to have a new CALI (mutual insurance) policy even after the contract period has passed, alerting them to the possibility of an uninsured (mutual insurance) vehicle.
If you have the motorcycle in your possession and are using it, please immediately complete the procedures for obtaining CALI (mutual insurance).
Contract procedures can be performed at motorcycle stores, auto repair shops, post offices, convenience stores, etc. as well as non-life insurance companies. When signing the contract, please bring your old CALI (mutual insurance) certificate, or other documents from the time of purchase.
If you have transferred your motorcycle to an acquaintance or other person, please inform them about your CALI (mutual insurance) coverage if you can contact them. The person you have transferred the motorcycle to may be operating it without CALI (mutual insurance).
If you have already scrapped your motorcycle or had it picked up by a motorcycle store, etc., please indicate when you scrapped your motorcycle, etc. in the appropriate box on the reply postcard, and send it back.

A.2 For motorcycles of 250 cc or less, even if you complete the scrapping procedures at the local municipality or the Transport Branch Office, etc. the information cannot be ascertained by the respective non-life insurance companies (mutual insurance associations).
Please understand that we are trying to avoid any possible hazardous conditions of uninsured (uninsured) vehicles.

A.3 Please understand that it takes about two months for the signing of an insurance policy to be reflected in the MLIT system, so we may send you a postcard by mistake. If your vehicle information differs from what we have on file, the system will assume that you are not continuing the contract and we will send you a postcard. If this is the case, please check your insurance certificate as the vehicle information on your policy may be incorrect. If there is an error, please contact your non-life insurance company for correction.

When you receive the postcard, please fill in the information on your current insurance policy on the reply postcard and return it to us, regardless of whether there is an error or not, to let us know the status of your insurance coverage.

A.4 If you operate a motor vehicle without CALI (mutual insurance), you may be subject to imprisonment of up to one year, or a fine of up to 500,000 yen under the Act on Securing Compensation for Automobile Accidents, as well as six penalty points and the suspension of your license under the Road Traffic Act. In addition, operation of a vehicle without displaying the insurance sticker is also punishable by a fine of up to 300,000 yen.

A.1 The domain name was used by MLIT in the past, but is no longer in use, and this site has nothing to do with MLIT.
Please be careful when using this site.

A.1 If you are involved in an automobile accident, immediately report it to the police as a personal injury accident. If you do not report the accident to the police, a Traffic Accident Certificate (from the Japan Safe Driving Center) will not be issued, and you may not receive compensation for damages because you have no proof of the fact that you were involved in a personal injury accident.

A.2 Social insurance such as health insurance and industrial accident compensation insurance can be used even when receiving medical treatment for injuries caused by an automobile accident. In particular, if you are involved in a hit-and-run accident or an uninsured (mutual insurance) accident, you should inform the medical institution that because this was a hit-and-run uninsured (mutual insurance) accident, you cannot use your CALI (mutual insurance), so you should use health insurance (or social insurance such as National Health Insurance. Ask to use industrial accident compensation insurance if the accident occurred on the job or while commuting).
Otherwise, if the amount of the victim's damages exceeds the statutory limit of the Government’s Program Guaranteeing Compensation for Automobile Accidents, the excess amount may have to be borne by the victim themselves. Therefore, please be sure to inform the hospital to use your social insurance.

A.3 If the accident is deemed to be caused by the operation of a motor vehicle, it will be covered by the Government’s Program Guaranteeing Compensation for Automobile Accidents. This seems to be the case in this question.

A.4 When filing a claim for damage compensation with the Government’s Program Guaranteeing Compensation for Automobile Accidents, you are required by law to submit the necessary documents for the claim. Please note that if you do not submit these claim-related documents, the Government’s Program Guaranteeing Compensation for Automobile Accidents may not be able to partially or fully compensate you for the damage, because the fact of the damage cannot be confirmed.

A.5 That is not true. The claimant can decide of their own free will which approach they prefer. However, there will be no duplicate payments from both personal injury compensation insurance and the Government’s Program Guaranteeing Compensation for Automobile Accidents.
The Government’s Program Guaranteeing Compensation for Automobile Accidents was established for the purpose of providing the minimum necessary relief to victims who cannot be relieved by other means. If victims can be relieved by other means, such as personal injury insurance that compensates for actual damages, the Government’s Program Guaranteeing Compensation for Automobile Accidents will not compensate victims to that extent. In other words, the Government’s Program Guaranteeing Compensation for Automobile Accidents deducts the insurance payment (mutual payment) for personal injury compensation insurance from the amount of the victim's damages, so the victim cannot receive double payment.

A.1 In accordance with Article 5 of the Act on Securing Compensation for Automobile Accidents, if you operate a motor vehicle without CALI (mutual insurance), which must be concluded when operating a motor vehicle, and cause personal injury, CALI (mutual insurance) will normally pay insurance payments (mutual insurance) to the victim of the accident, However, if the car is operated without such a contract, CALI (mutual insurance) will not make the insurance payment (mutual insurance payment) to the victim.
Therefore, in accordance with Article 72 of the Act on Securing Compensation for Automobile Accidents, the government operates an insurance program that pays compensation to victims on behalf of the at-fault party, covering medical expenses, compensation for distress, and other damages from the accident (hereinafter referred to as "compensation for damages")
When compensation for damages is provided to a victim under the Government’s Program Guaranteeing Compensation for Automobile Accidents, the government acquires the right (right to claim damages) that the victim has against the party responsible for the damages (the at-fault party, etc.) and reimburses the victim in accordance with the provisions of Article 76 of the Act on Securing Compensation for Automobile Accidents.

A.2 In the notice for payment, the due date for payment (due date for performance) is the date when the government undertakes compensation for damages to the victim (the date when the security deposit is paid to the victim).

A.3 If the Government’s Program Guaranteeing Compensation for Automobile Accidents claim is not repaid, the government will sue the debtor of the Government’s Program Guaranteeing Compensation for Automobile Accidents claim for damages in court.
Then, according to the result of the court judgment, the debtor's automobiles, land, buildings, and if the debtor is a salaried employee, the salary paid by the employer will be seized, and the Government’s Program Guaranteeing Compensation for Automobile Accidents will be forcibly collected.