General Liability Auto Insurance

Did risen really automobile liability insurance?

General Liability Auto Insurance Would have heard the name "Jibaiseki" If people get in the car. Jibaiseki = CALI. Formally the "automobile liability insurance". It is a thing to us to the financial compensation in case of the emergency Because it is insurance. However, it is insurance public is high, such as (Excluding islands and Okinawa) premium or a flat rate (so-called compulsory insurance), if they have the same type of vehicle subscription or are required by law unlike insurance normal. Premium of this automobile liability insurance has been price increases from April 1, 2013. ...... And, now in the topic, but maybe some people who think that it "Na I was higher more a long time ago," If a person has a driver for more than 20 years. Guide is also one of those people.
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's Still cheap compared to the premium in the past, but also can lead to price increases in ever-increasing in the future

1991 20 years ago 38,200 yen in two-year contract of private passenger vehicles If you examine. You can see that it was higher 10,000 yen or more than 27,840 yen premium of current gone up.

WAKE automobile liability insurance has risen

For automobile liability insurance is the insurance system highly public to join are required, and it is operated while being adjusted annually so that the profit or loss does not appear. The premium is determined in anticipation of payment of insurance on the basis of the data of the past, insurance premiums have been entrusted will remain in case payment was less than the prediction. In addition, interest income has occurred premiums custody because it is operational. The rest they become a reserve fund, but the fund's based on the idea that it is reduced so that the premium is cheap. But the reserve is is that so then bottomed.

Expected to balance even worse than 25 fiscal As you can see from this table. Reserve of 24 year-end to 5,197 billion. It has become a situation that can not cover the 6,541 one hundred million yen FY2013 total budget estimated. It is a major factor in this was decided to raise this.

fine If you do not subscribe to the automobile liability insurance!

That said gone up, We can not not join the automobile liability insurance. The car of everything, including a moped, subscription is mandatory by law "Automobile Liability Security Law (Automobile Liability Security Law)" and. You can not be subject to inspection and not join the case of a vehicle that requires inspection. You will also be subject to penalties "fine of 500,000 yen or less in prison, less than one year" and "six-point violation points in the suspension of one's driver's license" if you do not have a subscription.

Automobile liability insurance is a system that was created in 1955 in order to protect the victim of a car accident. There is no objective compensation and compensation of their cars. Therefore, compensation for lack will be covered by any insurance. By the way, automobile liability insurance is just another of car insurance, but it is called in order to differentiate to automobile liability insurance that auto insurance, compulsory insurance of that of any insurance in general.

Consider the compulsory insurance car insurance (voluntary insurance)

If you accidentally caused the death, it is not sufficient liability insurance. Interpersonal compensation of automobile liability insurance is (up to ¥ 40 million in disability) up to ¥ 30 million in deaths, cases of damages of death or disability of the actual amounts to several hundreds of million yen. In addition, there is a compensation case in excess of 100 million in property damage as well. I think that "rarely such a thing", but insurance is a solution to rarely significant economic risk. Personal automobile property damage liability insurance for the other party would be required. It should be noted that the article for more information about the accident of interpersonal objective "anti-person objective compensation risk of car crash several hundreds of million yen?!" refer to. In addition, automobile insurance in the (voluntary insurance) can also cover damage of his vehicle (vehicle insurance). Subscription is optional, people required should use well the vehicle insurance in the light with the condition of the deposits the car to life does not mean that ready always savings to or replacement or to repair the car. Has been designed to cover risks Okorieru variety in car life auto insurance (optional insurance) or there is a load of other services, such as compensation or any objects that are piled up in the car. Please go out and think car insurance (voluntary insurance) liability similar to the "compulsory insurance" anymore. The "Do not ride if not enter" It is to "put if ride".