The main means of communication in Japan are the railways. It is a tradition. This, however, does not relieve the enormous burden of the roads and the transport system. The number of Japanese fleet, including Motorcycles, is more than 79 million units, while in Russia the registered fleet is about 34 million vehicles. At the […]
The main means of communication in Japan are the railways. It is a tradition. This, however, does not relieve the enormous burden of the roads and the transport system. The number of Japanese fleet, including Motorcycles, is more than 79 million units, while in Russia the registered fleet is about 34 million vehicles. At the same statistics, Japan and Russia have approximately the same number of the traffic accidents per year – about 1 million cases. But the annual number of fatalities in the road accidents in Russia is almost 6 times higher than in Japan, and reaches 34 thousand cases a year against 6.3 thousand in Japan.
In Tokyo the cars are washed, the traffic jams are rare, the roads are colored, often arranged in two tiers, the complex intersections are monitored by the experts in real time mode, and each department of the city traffic police has its own totem – a symbol of friendship with the townspeople. Usually it is one of the characters of popular cartoons.
In a country of samurais the iron of the car is under the protection of goodwill of car owners, but the lives and health of citizens – under the protection of the law. This is the logic of mandatory liability insurance of vehicle owners in Japan. Under this state law the property risks of car owners are not insured, 100% of payments are working on the life and health of people (according to Russian statistics on such payments accounts for about 2% of total). The limit of the insurers liability for the risks of damage to life and health of victims of road crashes is the equivalent of $ 30 thousand. The scale or the internal limits is similar to the gradation that is usually made in the accident insurance and the payment depends on the severity of injury.
The basic rate on the Japanese compulsory automobile insurance is comparable with Russian and reaches a value of several complete refueling of the vehicle. The coefficient of bonus-malus, punishing for the emergency driving or encouraging a safe is absent.
All the car owners of the country are covered with the obligatory car insurance. In Japan 3-year policies are sold and it is more profitable to buy them. The cost of the annual contribution of such a policy is about $ 100. In Russia savings are understood in another way and people’s lobbyists seek to reduce the duration of policyholders. Thus, in the list of the recent amendments to the compulsory car insurance is reducing of the minimum term of the policy twice – up to 3 months. Unfortunately, the actuarial calculations showed that the cost of such policy is not attractive and is close to the price of 6 months.
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