Compensation if other driver is uninsured?

What the Law Says

Japan mandates minimum automobile liability coverage through the Automobile Damage Compensation Security Act. This system ensures victims receive compensation even when the at-fault driver is uninsured or unidentified.

All motor vehicle operators in Japan must join the compulsory automobile liability insurance (Jibaiseki Hoken) under the Automobile Damage Compensation Security Act. This is not optional private insurance — it is a statutory safety net administered by the government.

The scheme covers bodily injury or death caused by automobile accidents, regardless of whether the responsible driver carries private insurance. Benefits are paid directly to victims (or their heirs) up to statutory limits.

Claims must be filed within 3 years from the date of the accident. The insurer (or the Automobile Accident Compensation Security Organization) must process claims promptly, and payments are made without requiring proof that the other driver was insured.

Statutory Text

The purpose of this Act is to provide prompt and fair compensation to victims of automobile accidents and to contribute to the improvement of public welfare.

— Automobile Damage Compensation Security Act, s. 1 — Purpose

Statutory Text

Operators of automobiles shall enter into automobile liability insurance contracts… as prescribed by Cabinet Order.

— Automobile Damage Compensation Security Act, s. 3 — Obligation to Enter Insurance Contract

Statutory Text

Compensation shall be paid for damage caused by an automobile accident resulting in injury or death… up to the amount prescribed by Cabinet Order.

— Automobile Damage Compensation Security Act, s. 5 — Scope of Compensation

What to Do

Sources