Liability cases of bicycle accidents
Cases when the Bicycle Causes the Accident.
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Damage compensation of95,210,000yen
Head-on collision with a walking pedestrian. The pedestrian fell on the ground and lost consciousness.
A bicycle is riding downhill at night with its light on and hits a pedestrian taking a walk head on. The pedestrian falls down hitting their head, and still has not regained consciousness even after over five years.
（平成25年７月 神戸地裁判決）
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Damage compensation of92,660,000yen
A cyclist crossed a road askew and collided with a pedestrian.
高校生が、自転車横断帯のかなり手前の歩道から車道を斜めに横断し、対向車線を自転車で直進してきた会社員と衝突。会社員に重大な障がい（言語機能の喪失等）が残った。
（平成20年6月判決 東京地方裁判所）
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Damage compensation of67,790,000yen
Going down a hill with one hand, a cyclist collided with a pedestrian.
男性が夕方、ペットボトルを片手に下り坂をスピードを落とさずに走行し交差点に進入、横断歩道を横断中の女性と衝突。女性は脳挫傷等で死亡した。
（平成15年9月判決 東京地方裁判所）
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Damage compensation of54,380,000yen
A cyclist entered an intersection through a red light, and collided with a pedestrian who was walking on the pedestrian crossing.
男性が昼間、信号表示を無視して高速度で交差点に進入、青信号で横断歩道を横断中の女性と衝突。
女性は頭蓋内損傷等で死亡した。（平成19年4月判決 東京地方裁判所）
What if you caused an accident?
- If the other person is injured,
call an ambulance by dialing 119 immediately. - To avoid creating a second victim,
move your bike to a safe place, such as into the sidewalk or another location. - Check the scene of the accident and
report to the police the number of people injured,
the circumstances, and other details. - Exchange names, addresses and
contact information with the other people involved.
Purchase bicycle liability insurance!
Risk of becoming an injurer
To prepare for compensation for damages in a bicycle accident, "personal liability insurance" is available, which covers injuries to another person or damage to another person’s property.
Risk of being injured
"Accident insurance" is available to insure injuries to yourself caused by a fall, etc. "TS Mark Insurance," which is given to a bicycle meeting the standard after purchasing it at a certified bicycle shop or conducting maintenance and safety inspection, can cover the damage both to yourself and the victim of an accident.
Buy an insurance policy without fail in preparation for the worst
There have been a few cases recently wherein a child caused an accident and a large amount of compensation is charged to the parents. In view of such a situation, Fukuoka City Bicycle Ordinance was revised and a bicycle insurance became obligatory starting 1 October 2020. There are a variety of bicycle insurance policies. Choose one which best covers the situation of the insured bicycle user.
An example of insurance for bicycle accidents
- Special provision of a car accident, fire, or earthquake insurance which covers bicycle accidents as well
- TS mark accessory insurance given after safety inspection (for a charge) at a certified bicycle shop (providing safety inspection services)
- Insurance which can be bought at a convenience store or by mobile phone
Private Liability Insurance Contract and Bicycle Insurance Coverage
types of insurance & coverage
It is also possible to take out Private Liability Insurance containing
injury insurance, fire insurance, and car insurance.
- What is TS Mark Insurance?
- Bicycles that have been inspected and serviced by a bicycle safety mechanic and have been declared safe, may display the TS Mark. In doing so, the owner of the bicycle may take out insurance known as TS Mark Insurance. Coverage includes a maximum liability payment of ¥50 million, and provides compensation for injuries requiring hospitalization of 15 days or longer.
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第一種ＴＳマーク（Blue Logo）
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第二種ＴＳマーク（Red Logo）
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第三種ＴＳマーク（緑色マーク）
Blue TS Logo
| 傷害補償 | 入院15日以上 死亡・重度後遺障害（1〜4級） |
一律 1万円 一律 30万円 |
|---|---|---|
| 賠償責任補償 | 死亡・重度後遺障害（1〜7級） | 限度額 1,000万円 |
Red TS logo
| 傷害補償 | 入院15日以上 死亡・重度後遺障害（1〜4級） |
一律 10万円 一律 100万円 |
|---|---|---|
| 賠償責任補償 被害者見舞金 |
死亡・重度後遺障害（1〜7級） 入院15日以上 |
限度額 1億円 一律 10万円 |
Green TS Logo
| 傷害補償 | 入院15日以上 死亡・重度後遺障害（1〜4級） |
一律 5万円 一律 50万円 |
|---|---|---|
| 賠償責任補償 | 死亡・傷害 ※示談交渉サービス付き | 限度額 1億円 |
令和5年3月時点に貼付したTSマーク付帯保険の補償内容です。
The validity period for TS Mark Insurance is one year after the inspection and servicing work was completed. Don’t forget to renew!
The TS Mark Insurance only remains valid for a period of one year after the day the inspection and required servicing was completed. You must take care to maintain your bike regularly and make sure its insurance never lapses.
