JCI/CALI(Compulsory Automobile Liability Insurance)

Usually called JCI (Japanese Compulsory Insurance), this Government of Japan mandated insurance covers your legal liability (responsibility) to someone injured or killed in an accident caused by you or anyone driving your automobile with your permission. It pays up to ¥1,200,000 per person for most cases of medical expense and up to ¥30,000,000 per person for a fatal accident and up to ¥40,000,000 per person for someone permanently disabled by the accident.

JCI & Minimum Excess Bodily Injury Liability & Minimum Property Damage Liability

Bodily Injury Liability Insurance

The Insurer shall pay for all sums which the Insured becomes legally obligated to pay as damages as a result of the death or bodily injury of another person, arising out of the ownership, use or maintenance of an Insured Automobile. JCI is insufficient protection. Therefore, U.S. Forces Japan requires an additional minimum ¥30,000,000 for bodily injury in excess of JCI. It covers in excess of JCI’s payment up to the limit you choose.

Caution: About JCI only cover.

If you are liable (responsible) for the accident and have only JCI to cover bodily injury claim, YOU, YOURSELF are required to negotiate with the victim or his/her survivor until such claim is satisfactorily concluded. Just consider how hard it is to negotiate with the claimant who is often emotional and unable to understand your language!

On the other hand, as an our Bodily Injury Liability Insurance policyholder, our adjusters and legal staff will negotiate for and defend you in or out of court.

Property Damage Liability Insurance

U.S. Forces Japan requires all personnel to carry minimum property damage liability insurance with his/her automobile. This is to cover your legal liability for damages you cause to someone’s property.

Insurance coverage of ¥3,000,000 for property damage is the minimum requirement.

Comprehensive Insurance / Own Car Damage

Comprehensive Insurance (Own Damage) pays for loss or damage to your automobile caused by fire, theft, glass breakage, typhoon, wind, water, falling objects, vandalism, etc., except collision or upset.

Collision pays for damages to your automobile as a result of collision or upset whether your fault or not.

Medical Expenses

The Insurer shall pay all reasonable expenses incurred within one year from the date of accident for medical, surgical, ambulance, hospital, professional nursing and funeral services, to or for an Insured who sustained bodily injury (Note) caused by accident, while in or upon, entering or alighting from the Insured Automobile if the Insured Automobile was being used by the Named Insured or someone with his/her permission.

(Note) Including death arising from sickness and injury.