Contents of Coverage
Bodily Injury Liability [BI]
When an automobile accident occurs – for which the Insured is legally liable –
this coverage is paid when the third party sustains loss of life or bodily injury.
This coverage pays for losses in excess of the Japanese Compulsory Automobile Liability Insurance (It is called CALI or JCI).
Property Damage Liability [PD]
When an automobile accident occurs – for which the Insured is legally liable –
this coverage pays for property damage (e.g. the car or house of a third party).
PD Excess Repair Expense Special Clauses
In an automobile accident – for which the Insured is legally liable – if the third party's vehicle is a total loss, ACE will pay the market price of the vehicle by the negligence ratio. With this Special Clause, when the third party repairs the vehicle by paying the excess cost, ACE will pay the expense by the negligence ratio up to 500,000 yen.
Note: This Special Clause must be attached with Property Damage Liability.
Bodily Injury Indemnification [BII]
For a loss resulting from an automobile accident where the Insured, including your family and passengers, sustains loss of life or bodily injury, ACE will pay the actual loss up to the limit of liability regardless of the negligence ratio.
ACE will pay for losses including your own negligence.
For Example･･･ Amount of Damage: 50,000,000 yen, Negligence Ratio: 60:40
ACE will pay you for loss amount without waiting for the other parties to settle the claim.
Passengers’ Personal Accident [PPA]
When an automobile accident occurs resulting in the loss of life or bodily injury to the driver or passengers riding in the insured automobile, this coverage pays for such loss or injury.
Please choose either "Payment According to Injury" or "Payment According to Number of Days" for your medical benefit.
Payment According to Injury, Special Clause
When an automobile accident occurs resulting in bodily injury, and the Injured is confined or under treatment in a hospital for more than 5 days, this coverage pays a fixed amount in accordance to the injured part and condition. (In case of confinement / non-confinement for less than 4 days, ACE will pay a uniform amount of 10,000 yen.)
Protection Against Own-Injury Clauses [PAOI]
When an automobile accident occurs which does not involve third parties (e.g. hitting a telephone pole), this coverage pays for the loss of life or bodily injury to the owner, driveror passengers of the insured automobile. This coverage pays for losses not covered by CALI.
*If Bodily Injury Indemnification is insured, then Protection Against Own-Injury will be coveredv by Bodily Injury Indemnification.
Physical (Own) Damage [OD] ~Comprehensive and Collision~
When an automobile accident occurs resulting in physical damage of the insured automobile, this coverage pays for such physical damage.
Please select either of the following two plans for the coverage of physical damage:
|
Type of Accident |
General |
Economy +A |
|
|
Collision with Other Vehicle |
Covered |
Covered** |
|
|
Fire & Theft |
Covered |
Covered |
|
|
Typhoon, Flood, High Tide |
Covered |
Covered |
|
|
Fall & Overturn |
Covered |
Not Covered |
|
|
Collision with Telephone Pole, etc. |
Covered |
Not Covered |
|
|
Hit & Run Case |
Covered |
Not Covered |
|
|
Earthquake, Volcanic Eruption, Tsunami |
EQ-Special Clause Attached |
Covered* |
Covered* |
|
EQ-Special Clause Not Attached |
Not Covered |
Not Covered |
|
* If EQ special clause is attached, the loss is indemnified.
** Coverage to the insured automobile shall be paid, if and only if the driver or owner of the other automobile and the automobile itself can be identified.
Get a Quote
Local ACE agents can tailor a quote to your needs.