日本包车攻略

日本包车攻略

最近出境包车游很流行,各大出境包车游公司也是使出浑身解数,推出各种各样的产品。尽管各大公司的广告台词都说得很动听,但是实际上各大公司的操作模式大同小异。各大包车公司只是提供一个网络平台,实际上提供服务的是各个国家的当地华人。可以说各大包车平台既没有车,提供服务的华人也不是它们的员工,包车公司和提供包车服务的华人之间只是一种没有契约的合作关系。尽管包车公司确实对提供服务的华人司导进行了严格审查,但由于对各个国家的法律政策不了解,审查的标准存在极大问题。这些问题如果不解决的话,将给游客的生命财产的安全带来极大威胁。今天我就以日本的汽车保险为例,说明出国包车游存在的风险。

强制保险

首先,我们先来了解一下日本汽车保险的基础。日本的汽车保险大致分为两类,一个是强制保险,顾名思义,每个拥有汽车的人都有加入强制保险的义务,不加入的话,汽车是不能上路的。那强制保险都保什么呢?1受伤的话,最多对每名伤者支付120万日元的保险金。2死亡的话,对每名被害者支付3000万日元的保险金。但在日本这样的发达国家,医疗费十分昂贵,去医院看个感冒都要花七八百人民币。如果在车祸中受重伤的话,120万日元很难解决问题。要是死亡的话,那就更可怕了,一亿日元的车祸死亡赔偿在日本也不是什么稀奇的事,强制保险的3000万日元只能说是杯水车薪了。所以说,在日本,只加入强制保险的话,不够的赔偿费用要自己掏腰包,如果车祸严重的话,赔偿费用可能是个天文数字,足以让人倾家荡产。为了解决这个问题,日本便有了任意保险。

任意保险

什么是任意保险呢?当出现大的交通事故事时,强制保险的赔偿金不够支付赔偿费用时,不够的部分由任意保险支付。就以我自己的车为例,我加的是对人赔偿没有上限的任意保险,也就是说,对于车祸的受害者(包括乘坐自己的车的司机、乘客及对方的车的司机、乘客)的赔偿金额度没有上限。由于任意保险费用较贵,一年大概要花五六千人民币,所以很多在日华人都只加强制保险,估计大家都认为可以上路就OK了。

大致了解了日本的车险后,为了维护自己的合法权益,请各位游客务必确认自己乘坐的车有没有加入任意保险。大家可以叫司导把任意保险的图片直接发给自己。这里我附上了任意保险的图片样板。如果大家直接去问包车平台的客服的话,他们肯定会告诉你没问题,尽管连什么是任意保险都不懂。还有出国时国内旅游公司会送一些小保险,真正出事时,这些保险又能保得住什么呢?因此,出国包车旅游的话,要找一部加了双保险的车,这样不管出什么事,都可以最大限度地维护自己的合法权益。每个司机都很自信,但车祸每天都在发生。花了同样的钱,为什么要让自己的生命财产安全承受巨大风险呢?

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