Section 3 Business of Automobile Liability Insurance; Business of Mutual Automobile Liability Insurance
第三節 自動車損害賠償責任保険事業及び自動車損害賠償責任共済事業
Article 24Obligation to Conclude Contracts for Liability Insurance and Mutual Liability Insurance
第二十四条（責任保険及び責任共済の契約の締結義務）
An insurer must not refuse to conclude a contract for liability insurance unless it has a legitimate reason that Cabinet Order prescribes for refusing to do so.
A cooperative must not refuse to conclude a contract for mutual liability insurance unless circumstances are as set forth in the following items or unless it has a legitimate reason that Cabinet Order prescribes for refusing to do so:
its conclusion of the contract would violate the proviso to Article 10, paragraph (17) of the Agricultural Cooperatives Act;
農業協同組合法第十条第十七項ただし書の規定に違反することとなる場合
its conclusion of the contract would violate Article 12, paragraph (3) of the Consumers' Cooperatives Act;
消費生活協同組合法第十二条第三項の規定に違反することとなる場合
its conclusion of the contract would violate the proviso to Article 9-2, paragraph (3) of the Small and Medium-Sized Enterprise Cooperatives Act as applied following a replacement of terms pursuant to paragraph (9) of that Article (including as applied mutatis mutandis following a replacement of terms pursuant to Article 9-9, paragraph (5) of that Act).
中小企業等協同組合法第九条の二第九項において読み替えて適用する同条第三項ただし書（同法第九条の九第五項において読み替えて準用する場合を含む。）の規定に違反することとなる場合
Article 25Standards for Premium Rates and Mutual Insurance Premium Rates
第二十五条（保険料率及び共済掛金率の基準）
Liability insurance premium rates and mutual liability insurance premium rates must be as low as possible while covering the costs reasonably arising under efficient management.
Article 26Examination of Insurance Premium Rates
第二十六条（保険料率の審査等）
When examining whether there is conformity with the criteria set forth in Article 5, paragraph (1), item (iv) of the Insurance Business Act (including as applied mutatis mutandis pursuant to Article 187, paragraph (5) of that Act; hereinafter, the same applies in this paragraph) on receipt of an application for a license as referred to in Article 3, paragraph (1) or Article 185, paragraph (1) of that Act, if the examination involves liability insurance, the Prime Minister must also examine whether there is conformity with the preceding Article beyond the criteria set forth in Article 5, paragraph (1), item (iv) of the Insurance Business Act.
Information with regard to liability insurance is not to be included in the information prescribed by Cabinet Office Order that is referred to in Article 123, paragraph (1) of the Insurance Business Act (including as applied mutatis mutandis pursuant to Article 207 of that Act).
保険業法第百二十三条第一項（同法第二百七条において準用する場合を含む。）の内閣府令で定める事項には、責任保険に係る事項は、含まれないものとする。
When undertaking an examination as referred to in Article 124 of the Insurance Business Act (including as applied mutatis mutandis pursuant to Article 207 of that Act; hereinafter, the same applies in this paragraph) on receipt of an application for authorization under Article 123, paragraph (1) of that Act (including as applied mutatis mutandis pursuant to Article 207 of that Act), if the examination involves liability insurance premium rates, the Prime Minister must also examine whether there is conformity with the preceding Article, in addition to the criteria set forth in Article 124, item (ii) of the Insurance Business Act.
第二十六条の二
Article 10-2 of the Act on Non-Life Insurance Rating Organizations (Act No. 193 of 1948) and Article 10-3; Article 10-4, paragraph (2) and the second sentence of paragraph (3); Article 10-5, paragraph (4); and Article 10-6, paragraphs (1) through (4) of that Act do not apply to liability insurance.
責任保険については、損害保険料率算出団体に関する法律（昭和二十三年法律第百九十三号）第十条の二、第十条の三、第十条の四第二項及び第三項後段、第十条の五第四項並びに第十条の六第一項から第四項までの規定は、適用しない。
To apply Article 10-4, paragraph (1) and the first sentence of paragraph (3) of the Act on Non-Life Insurance Rating Organizations to liability insurance, the phrase "insurance premium rate within a certain range whose center is the standard rate (hereinafter referred to as the "range rates" in this Article)" in paragraph (1) of that Article is deemed to be replaced with "standard rate"; the term "range rates" in the first sentence of paragraph (3) of that Article is deemed to be replaced with "standard rate"; and the phrase "authorized or notified pursuant to paragraph (2) of that Article" in that sentence is deemed to be replaced with "authorized".
責任保険についての損害保険料率算出団体に関する法律第十条の四第一項及び第三項前段の規定の適用については、同条第一項中「基準料率を中心とした一定の範囲内の保険料率（以下この条において「範囲料率」という。）」とあるのは「基準料率」と、同条第三項前段中「範囲料率」とあるのは「基準料率」と、「認可を受け、又は同条第二項の規定による届出を行つた」とあるのは「認可を受けた」とする。
To apply Article 10-5, paragraphs (1) through (3) of the Act on Non-Life Insurance Rating Organizations to liability insurance, the phrase "if the period prescribed in Article 10-2, paragraphs (1) and (2) passes and the Prime Minister finds the standard rate to conform to Article 8" in paragraph (1) of that Article is deemed to be replaced with "if the Prime Minister finds the standard rate to conform to Article 8 of this Act and to Article 25 of the Act on Securing Compensation for Automobile Accidents (Act No. 97 of 1955)"; the phrase "hearing of opinions and conformity examination under Article 10-3, paragraph (1) or (2)" in paragraph (2) of that Article is deemed to be replaced with "examination of whether there is conformity with Article 8 of this Act and Article 25 of the Act on Securing Compensation for Automobile Accidents"; and the phrase "if the Prime Minister finds the standard rate not to conform to Article 8" in paragraph (3) of that Article is deemed to be replaced with "if the Prime Minister finds the standard rate not to conform to Article 8 of this Act or Article 25 of the Act on Securing Compensation for Automobile Accidents".
責任保険についての損害保険料率算出団体に関する法律第十条の五第一項から第三項までの規定の適用については、同条第一項中「第十条の二第一項及び第二項に規定する期間が経過し、かつ、当該基準料率が第八条の規定に適合していると認めるとき」とあるのは「当該基準料率が第八条及び自動車損害賠償保障法（昭和三十年法律第九十七号）第二十五条の規定に適合していると認めるとき」と、同条第二項中「第十条の三第一項又は第二項の規定による意見聴取及び適合性審査」とあるのは「第八条及び自動車損害賠償保障法第二十五条の規定に適合するかどうかについての審査」と、同条第三項中「基準料率が第八条の規定に適合しないと認めるとき」とあるのは「基準料率が第八条又は自動車損害賠償保障法第二十五条の規定に適合しないと認めるとき」とする。
第二十六条の三
On finding liability insurance premiums to exceed the costs that would reasonably arise under efficient management, the Prime Minister may order an insurer or a non-life insurance rating organization as prescribed in Article 2, paragraph (1), item (iii) of the Act on Non-Life Insurance Rating Organizations to change liability insurance premium rates or the standard rates set forth in item (vi) of that paragraph (referred to as "standard rates" in Articles 28 and 29-2).
第二十七条（農業協同組合等の行う責任共済の事業に係る共済規程の審査等）
Before granting approval to an agricultural cooperative, etc. seeking to engage in the mutual liability insurance business (including the business of providing reinsurance for the mutual insurance liabilities assumed under contracts for mutual liability insurance (hereinafter referred to as "mutual reinsurance") or the business of providing retrocession for mutual reinsurance liabilities assumed under contracts for mutual reinsurance (hereinafter referred to as "mutual retrocession"); the same applies hereinafter), pursuant to Article 11-17, paragraph (1) of the Agricultural Cooperatives Act, for mutual insurance rules governing its mutual liability insurance business, an administrative agency (meaning an administrative agency as provided for in Article 98, paragraph (1) of the Agricultural Cooperatives Act, and including the prefectural governor to whom functions under the authority of the Minister of Agriculture, Forestry and Fisheries are delegated pursuant to paragraph (15) of that Article) must examine whether the agricultural cooperative, etc. conforms to the criteria set forth in items (i) and (ii) and whether the particulars set forth in the mutual insurance rules with respect to its way of conducting business, mutual insurance contracts, and mutual insurance premiums conform to the criteria set forth in item (iii):
行政庁（農業協同組合法第九十八条第一項に規定する行政庁をいい、同条第十五項の規定により農林水産大臣の権限に属する事務を行うこととされた都道府県知事を含むものとする。）は、責任共済の事業（責任共済の契約によつて負う共済責任の再共済（以下「再共済」という。）の事業又は再共済の契約によつて負う再共済責任の再再共済（以下「再再共済」という。）の事業を含む。以下同じ。）を行おうとする農業協同組合等に対し、同法第十一条の十七第一項の規定により責任共済の事業についての共済規程の承認を行おうとする場合には、当該農業協同組合等が第一号及び第二号に掲げる基準に適合するかどうか並びに当該共済規程に記載された事項のうち事業の実施方法、共済契約又は共済掛金に係るものが第三号に掲げる基準に適合するかどうかを審査しなければならない。
the agricultural cooperative, etc. has a sufficient financial base to soundly and efficiently implement the business of mutual liability insurance, and it has favorable prospective income and expenditures in that business;
in light of such things as personnel structure, the agricultural cooperative, etc. has the knowledge and experience to allow it to accurately, fairly, and efficiently implement the business of mutual liability insurance, and it also has sufficient social credibility;
the particulars set forth in the mutual insurance rules conform to the following criteria:
共済規程に記載された事項が次に掲げる基準に適合するものであること。
it is unlikely that the content of the mutual insurance contract will result in a lack of protection for the mutual insurance policyholder, the person insured under the mutual insurance, the person that would receive the amount insured under mutual insurance, and any other relevant person (hereinafter referred to as "mutual insurance policyholder or other relevant person" in in this item);
共済契約の内容が、共済契約者、被共済者、共済金額を受け取るべき者その他の関係者（以下この号において「共済契約者等」という。）の保護に欠けるおそれのないものであること。
the particulars set forth in the mutual insurance rules do not subject a specific group of persons to unfairly differential treatment as regards the content of mutual insurance contracts;
共済契約の内容に関し、特定の者に対して不当な差別的取扱いをするものでないこと。
it is unlikely that the content of the mutual insurance contract will encourage or induce conduct that contravenes public policy;
共済契約の内容が、公の秩序又は善良の風俗を害する行為を助長し、又は誘発するおそれのないものであること。
the rights and obligations of the mutual insurance policyholder or other relevant person and other content of the mutual insurance contract have been clearly and simply set forth for the mutual insurance policyholder or other relevant person;
共済契約者等の権利義務その他共済契約の内容が、共済契約者等にとつて明確かつ平易に定められたものであること。
mutual insurance premiums conform to Article 25 and are reasonable and proper, and do not subject a specific group of persons to unfairly differential treatment;
共済掛金が、第二十五条の規定に適合しているほか、合理的かつ妥当なものであり、また特定の者に対して不当な差別的取扱いをするものでないこと。
the criteria that Order of the Ministry of Agriculture, Forestry and Fisheries prescribes.
その他農林水産省令で定める基準
Before granting approval to an agricultural cooperative, etc. that is engaged in the mutual liability insurance business, pursuant to Article 11-17, paragraph (3) of the Agricultural Cooperatives Act, to amend the mutual insurance rules that govern its mutual liability insurance business, an administrative agency as prescribed in the preceding paragraph must examine whether the particulars set forth in the mutual insurance rules with respect to its way of conducting business, mutual insurance contracts, and mutual insurance premiums conform to the criteria set forth in item (iii) of the preceding paragraph.
On finding that mutual liability insurance premiums exceed the costs that would reasonably arise under efficient management, an administrative agency as prescribed in paragraph (1) may order an agricultural cooperative, etc. to change the mutual liability insurance premium rates.