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【単語説明】
任意保険(にんいほけん)
自賠責保険の補償内容では足りない部分をカバーする保険です。
具体的には、対人賠償保険(自賠責保険ではカバーしきれない人身事故の補償)、対物賠償保険(相手方の車やモノへの補償)、人身傷害保険(自分自身や同乗者のケガの補償)、車両保険(車の修理代の補償)など、自賠責保険よりも多くの内容を補償します。
補償内容や保険料は、それぞれの契約により異なります。
(注意)
過去には、交通事故で相手を死亡させ、5億円を超える支払を求められたり、モノを壊して2億円を超える支払いを求められた事例があります。自賠責保険だけでは補償が不十分ですので、車・バイクを運転する人は必ず任意保険に入ってください。
【Word explanation】
Voluntary insurance(Ninni Hoken)
This insurance covers the portions not covered by Compulsory liability insurance.
Specifically, it includes personal injury liability insurance (compensation for bodily injuries not fully covered by Compulsory liability insurance), property damage liability insurance (compensation for damage to the other party's vehicle or property), personal injury insurance (compensation for injuries to yourself or passengers), and vehicle insurance (compensation for vehicle repair costs), among other coverages, offering more comprehensive protection than compulsory Liability Insurance.
The scope of coverage and premiums vary depending on the specific policy.
(Caution)
In the past, there have been cases where individuals were involved in traffic accidents that resulted in the death of another person and were required to pay more than 500 million yen, or cases where individuals damaged property and were required to pay more than 200 million yen.
Compulsory Liability Insurance alone is not sufficient coverage, so please be sure to purchase voluntary insurance if you drive a car or motorcycle.