Auto Insurance for U.S. Military in Japan

Auto Insurance for U.S. Military Personnel

  • Comprehensive auto insurance for U.S. military personnel stationed in Japan.
Agents available on and off base!

Chubb partners with USAA to support U.S. Forces in Japan

Chubb is affiliated with USAA, a leading provider of auto insurance to U.S. military personnel, and welcomes its members to Japan.

Chubb is also proud to be recognized as the number one Military Friendly Employer in the U.S. by Victory Media (publisher of G.I. Jobs) for its Combined Insurance business in 2015 and 2016.  U.S. Veterans Magazine (USVM) has also selected Chubb’s Combined Insurance for its 2016 Best of the Best List of Top Veteran-Friendly Employers. This marks the third straight year that USVM has recognized Combined Insurance on its Best of the Best list.

Chubb provides comprehensive auto insurance specialized for U.S. military and includes free roadside assistance services.

Coverage Overview

Bodily Injury Liability Coverage - Required by U.S. Forces

This coverage pays, in excess of Japanese Compulsory Insurance (JCI), for bodily injury or death of the other party, for which you are legally liable.

The amounts that can be paid under JCI, for example, is up to 30 million yen, and you may think it’s enough, but it isn't in Japan. Recent court awards  have reached 100,000,000 yen. * In all U.S. military bases in Japan, this coverage is required at a minimum of 30,000,000 yen, in addition to JCI and Property Damage Liability Coverage. Please consult with your legal counsel or one of our authorized insurance agents to make sure that you are properly insured.

Driver/Passenger Accident Coverage

When you buy Bodily Injury Liability Coverage, this coverage is automatically provided. This coverage pays for the loss of life or bodily injury to the owner, driver or passengers of the insured automobile (up to 14,000,000 yen per person) in an accident which does not involve third parties (e.g. hitting a telephone pole). This pays for losses not covered by JCI.

Property Damage Liability Coverage - Required by U.S. Forces

This coverage pays for property damage to the other party, for which you are legally liable.

Minimum Coverage:  3,000,000 yen for each accident

Higher limits are available at a nominal additional cost. We recommend 5,000,000 yen or more. Consult your legal counsel or one of our authorized insurance agents to fnd out what’s right for your needs.

Japanese Compulsory Automobile Insurance (JCI) - Required by Law

This is a "must", as it is required by Japanese law. It pays for bodily injury or death of the other party, for which you are legally liable. Please remember, the Japanese Law is very strict. You have to buy JCI not only to drive but also to have your automobile registered or inspected.

Limits of liability for each injured person

  • For Death: Up to 30,000,000 yen
  • For Permanent Disability: Up to 40,000,000 yen
  • For Injury (medical expenses): Up to 1,200,000 yen

 *No limit per accident

Optional Coverage

  1. Comprehensive Coverage (Optional)
    This coverage pays for loss of or damage to your automobile, caused by fire, theft, typhoon, vandalism, etc., except collision and upset.

  2. Collision Coverage (Optional)
    This coverage pays for loss of or damage to your automobile caused by collision or upset.
    * This coverage must always be attached with Comprehensive Coverage.

  3. Loss of Use By Theft Clause (Optional)
    The expense for the substitute (rental) automobile due to the theft of the insured automobile can be compensated.
    * This coverage is applicable when Comprehensive Coverage is attached.
    * This clause is applied to private passenger automobiles of standard, small size and/or light-4-wheeled automobiles.

  4. Medical Payments (Optional)
    Your medical and hospital costs are paid up to your limit of liability if you or your passengers are injured as a result of an automobile accident.
    * This coverage cannot be attached without Liability Coverage.
    * This clause is applied to private passenger automobiles of standard, small size and/or light-4-wheeled automobiles.