Compulsory and voluntary auto insurance
Why compulsory liability insurance is only the public/legal floor.
Compulsory Automobile Liability Insurance covers limited bodily-injury liability; it does not cover property damage, your vehicle, or all potentially large liability, so assess voluntary cover against those gaps.
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Call police and the insurers after a crash; seek legal help promptly for serious injury, criminal exposure, or disputed liability.
Review due: 2026-10-30
Key points
- CALI/Jibaiseki is mandatory and centered on injury or death to others.
- Property liability and vehicle damage are outside compulsory cover.
- Voluntary cover can address third-party limits, property, passengers, legal support, and own damage.
- Driver, age, use, territory, deductibles, and family definitions can restrict cover.
Start with the compulsory-policy gaps
Confirm the compulsory policy is valid before driving. Then model injury liability above its limits, damage to another vehicle or property, your own injuries and vehicle, roadside needs, and who will drive. A private comparison that starts with premiums rather than these gaps is incomplete.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.