CALI (Mutual Insurance) for
Electric Scooters / Kickboards, Etc.
Did you know that electric scooters / kickboards, etc. must have compulsory automobile liability insurance (CALI) / mutual insurance, just like cars and mopeds?
If you drive without CALI (mutual insurance), you will face legal penalties.
To create a society where electric scooters / kickboards, etc. can be used with confidence and a sense of security.
To support victims of traffic accidents and help prevent accidents, etc.
Please get CALI (mutual insurance).
What is CALI (Mutual Insurance)?
Compulsory automobile liability insurance (CALI) and mutual insurance are systems that provide relief to victims in various ways. These include: compensation for damages from the person who caused the traffic accident (the at-fault party) to the victim; support for benefits for home nursing care for those who need nursing care in daily life activities, such as people who are bedridden or wheelchair bound; and the operation of hospitals specializing in treatment for people with severe residual disabilities.
If you cause personal injury without CALI (mutual insurance), you must pay all damages yourself.
For example, if a driver injures or kills another driver, the insurance company will pay up to 30 million yen as compensation for damages if the driver is covered by CALI (mutual insurance).
However, if you do not have insurance coverage, you must pay the full amount of compensation yourself.
In addition, CALI (mutual insurance) is required for all motor vehicles (including motorized bicycles and electric scooters / kickboards, etc.). Driving without CALI (mutual insurance) is punishable by imprisonment for up to one year or a fine of up to 500,000 yen.
Compensation through CALI (Mutual Insurance)
The maximum amount of payment for compensation for damages covered by CALI (mutual insurance) is as follows per victim of an accident.
- Damages for death:
- Up to 30 million yen
- Damages for residual disability:
- Maximum 40 million yen to 750,000 yen (depending on the grade of residual disability)*.
- Damages for injury
- Up to 1.2 million yen
- *Significant impairment of the nervous system, mind, or thorax and abdominal organs that 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
If there are multiple victims in one accident, the above payment limits are set for each victim individually. Property damage accidents are not covered.
For Safe Use of Electric Scooters / Kickboards, Etc.
Equipment required for operation
Electric scooters / kickboards, etc. have equipment specified as necessary for their safe use.
Please be sure to meet these requirements.
Failure to meet these requirements will result in fines and other penalties.
How to Enroll in CALI (Mutual Insurance)
You can enroll through simple procedures at automobile and motorcycle dealers, insurance (mutual insurance) agencies, non-life insurance companies, mutual insurance associations, and agricultural cooperatives. Some non-life insurance companies (mutual insurance associations) allow procedures to be completed at post offices (except for some post offices such as minor post-office outlets). They also allow procedures to be completed via the internet or at convenience stores. For details on the procedure and required documents, please contact the non-life insurance company (mutual insurance association) or agency you wish to make a contract with.
In addition, CALI (mutual insurance) has an expiration date.
Please check the sticker on the license plate for the year and month of expiration, and renew your insurance. Renewal can be made from 2 months before the expiration date.
Note: The color of the sticker depends on the year in which the term expires.
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.
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.