# 自動車損害賠償保障法 / Act on Securing Compensation for Automobile Accidents — 第二十七条 (Article 27)

- Law: 自動車損害賠償保障法 (Act on Securing Compensation for Automobile Accidents), 昭和三十年法律第九十七号
- English title "Act on Securing Compensation for Automobile Accidents": Ministry of Justice translation
- Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say.
- Provision: 第二十七条 (Article 27)（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） — address `art-27`
- Text in force since: 2026-04-01
- URL (the page that opens at this provision): https://japanlaw.org/en/automobile-accident-compensation-act/art-27
- Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/330AC0000000097/art-27
- Every provision below carries its address and both URLs on the line under it.
- Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below.

Only the Japanese as published by the government has legal effect; the text
below is a copy of it. Every English rendering below is a translation and
says which kind: the Ministry of Justice's translation, or this
site's machine translation, whose model and date the Sources list names.
They are never merged and never substituted for one another.

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### 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） — (Examination of Mutual Insurance Rules Governing the Mutual Liability Insurance Business in Which an Agricultural Cooperatives Is Engaged)
<sup>caption: Ministry of Justice translation — Japanese Law Translation Database System</sup>
<sup>art-27 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27 · https://japanlaw.org/l/330AC0000000097/art-27</sup>

  **第一項**  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。
  <sup>art-27/par-1 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1 · https://japanlaw.org/l/330AC0000000097/art-27/par-1</sup>
  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):
  <sup>Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "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, Forest 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):" — https://www.japaneselawtranslation.go.jp/en/laws/view/3135/tb</sup>

    **一**  当該農業協同組合等が責任共済の事業を健全かつ効率的に遂行するに足りる財産的基礎を有し、かつ、責任共済の事業に係る収支の見込みが良好であること。
    <sup>art-27/par-1/item-1 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-1 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-1</sup>
    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;
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **二**  当該農業協同組合等が、その人的構成等に照らして、責任共済の事業を的確、公正かつ効率的に遂行することができる知識及び経験を有し、かつ、十分な社会的信用を有する者であること。
    <sup>art-27/par-1/item-2 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-2 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-2</sup>
    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;
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **三**  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。
    <sup>art-27/par-1/item-3 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3</sup>
    the particulars set forth in the mutual insurance rules conform to the following criteria:
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **イ**  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。
      <sup>art-27/par-1/item-3/sub-1 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3/sub-1 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3/sub-1</sup>
      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);
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **ロ**  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。
      <sup>art-27/par-1/item-3/sub-2 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3/sub-2 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3/sub-2</sup>
      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;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **ハ**  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。
      <sup>art-27/par-1/item-3/sub-3 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3/sub-3 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3/sub-3</sup>
      it is unlikely that the content of the mutual insurance contract will encourage or induce conduct that contravenes public policy;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **ニ**  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。
      <sup>art-27/par-1/item-3/sub-4 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3/sub-4 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3/sub-4</sup>
      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;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **ホ**  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。
      <sup>art-27/par-1/item-3/sub-5 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3/sub-5 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3/sub-5</sup>
      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;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **ヘ**  その他農林水産省令で定める基準
      <sup>art-27/par-1/item-3/sub-6 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3/sub-6 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3/sub-6</sup>
      the criteria that Order of the Ministry of Agriculture, Forestry and Fisheries prescribes.
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **第二項**  前項に規定する行政庁は、責任共済の事業を行う農業協同組合等に対し農業協同組合法第十一条の十七第三項の規定により責任共済の事業についての共済規程の変更の承認を行おうとする場合には、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前項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。
  <sup>art-27/par-2 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-2 · https://japanlaw.org/l/330AC0000000097/art-27/par-2</sup>
  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.
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **第三項**  第一項に規定する行政庁は、責任共済の共済掛金が能率的な経営の下における適正な原価を超えると認めるときは、農業協同組合等に対して、責任共済の共済掛金率の変更を命ずることができる。
  <sup>art-27/par-3 · https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-3 · https://japanlaw.org/l/330AC0000000097/art-27/par-3</sup>
  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.
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

---

## Cites
- art-27/par-1: 農業協同組合法第九十八条第一項 → e-Gov law 322AC0000000132, 第九十八条第一項 (Article 98, paragraph (1)), art-98/par-1 — not held in this collection
- art-27/par-1: 同条第十五項 → e-Gov law 322AC0000000132, 第九十八条第十五項 (Article 98, paragraph (15)), art-98/par-15 — not held in this collection
- art-27/par-1: 同法第十一条の十七第一項 → e-Gov law 322AC0000000132, 第十一条の十七第一項 (Article 11-17, paragraph (1)), art-11-17/par-1 — not held in this collection
- art-27/par-1: 第一号 → 自動車損害賠償保障法 第二十七条第一項第一号 (Article 27, paragraph (1), item (i)), art-27/par-1/item-1 — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-1 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-1
- art-27/par-1: 第二号 → 自動車損害賠償保障法 第二十七条第一項第二号 (Article 27, paragraph (1), item (ii)), art-27/par-1/item-2 — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-2 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-2
- art-27/par-1: 第三号 → 自動車損害賠償保障法 第二十七条第一項第三号 (Article 27, paragraph (1), item (iii)), art-27/par-1/item-3 — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3
- art-27/par-1/item-3/sub-1: この号 → 自動車損害賠償保障法 第二十七条第一項第三号 (Article 27, paragraph (1), item (iii)), art-27/par-1/item-3 — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3
- art-27/par-1/item-3/sub-5: 第二十五条 → 自動車損害賠償保障法 第二十五条 (Article 25), art-25 — https://japanlaw.org/en/automobile-accident-compensation-act/art-25 · https://japanlaw.org/l/330AC0000000097/art-25
- art-27/par-2: 前項 → 自動車損害賠償保障法 第二十七条第一項 (Article 27, paragraph (1)), art-27/par-1 — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1 · https://japanlaw.org/l/330AC0000000097/art-27/par-1
- art-27/par-2: 農業協同組合法第十一条の十七第三項 → e-Gov law 322AC0000000132, 第十一条の十七第三項 (Article 11-17, paragraph (3)), art-11-17/par-3 — not held in this collection
- art-27/par-2: 前項第三号 → 自動車損害賠償保障法 第二十七条第一項第三号 (Article 27, paragraph (1), item (iii)), art-27/par-1/item-3 — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3
- art-27/par-3: 第一項 → 自動車損害賠償保障法 第二十七条第一項 (Article 27, paragraph (1)), art-27/par-1 — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1 · https://japanlaw.org/l/330AC0000000097/art-27/par-1

## Cited by

17 provisions cite this one. No official source publishes this direction.

- 自動車損害賠償保障法 第二十三条の三第一項（責任保険の契約に関する規定等の準用） — https://japanlaw.org/en/automobile-accident-compensation-act/art-23-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-23-3/par-1
- 自動車損害賠償保障法 第二十七条第一項（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） — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1 · https://japanlaw.org/l/330AC0000000097/art-27/par-1
- 自動車損害賠償保障法 第二十七条第一項第三号イ（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） — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-1/item-3/sub-1 · https://japanlaw.org/l/330AC0000000097/art-27/par-1/item-3/sub-1
- 自動車損害賠償保障法 第二十七条第二項（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） — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-2 · https://japanlaw.org/l/330AC0000000097/art-27/par-2
- 自動車損害賠償保障法 第二十七条第三項（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） — https://japanlaw.org/en/automobile-accident-compensation-act/art-27/par-3 · https://japanlaw.org/l/330AC0000000097/art-27/par-3
- 自動車損害賠償保障法 第二十七条の二第一項（消費生活協同組合等及び事業協同組合等の行う責任共済の事業に係る共済事業規約の審査等） — https://japanlaw.org/en/automobile-accident-compensation-act/art-27-2/par-1 · https://japanlaw.org/l/330AC0000000097/art-27-2/par-1
- 自動車損害賠償保障法 第二十七条の二第二項（消費生活協同組合等及び事業協同組合等の行う責任共済の事業に係る共済事業規約の審査等） — https://japanlaw.org/en/automobile-accident-compensation-act/art-27-2/par-2 · https://japanlaw.org/l/330AC0000000097/art-27-2/par-2
- 自動車損害賠償保障法 第二十八条の二第一項（同意及び協議） — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-2/par-1 · https://japanlaw.org/l/330AC0000000097/art-28-2/par-1
- 自動車損害賠償保障法 第二十八条の二第一項第一号（同意及び協議） — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-2/par-1/item-1 · https://japanlaw.org/l/330AC0000000097/art-28-2/par-1/item-1
- 自動車損害賠償保障法 第二十八条の二第三項（同意及び協議） — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-2/par-3 · https://japanlaw.org/l/330AC0000000097/art-28-2/par-3
- 自動車損害賠償保障法 第二十八条の二第三項第一号（同意及び協議） — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-2/par-3/item-1 · https://japanlaw.org/l/330AC0000000097/art-28-2/par-3/item-1
- 自動車損害賠償保障法 第二十八条の二第五項（同意及び協議） — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-2/par-5 · https://japanlaw.org/l/330AC0000000097/art-28-2/par-5
- 自動車損害賠償保障法 第二十八条の二第五項第一号（同意及び協議） — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-2/par-5/item-1 · https://japanlaw.org/l/330AC0000000097/art-28-2/par-5/item-1
- 自動車損害賠償保障法 第九十一条第三項 — https://japanlaw.org/en/automobile-accident-compensation-act/art-91/par-3 · https://japanlaw.org/l/330AC0000000097/art-91/par-3
- 自動車損害賠償保障法 附則第二条第一項（農業協同組合及び農業協同組合連合会に関する経過措置） — https://japanlaw.org/en/automobile-accident-compensation-act/suppl-4071-137/art-2/par-1 · https://japanlaw.org/l/330AC0000000097/suppl-4071-137/art-2/par-1
- 自動車損害賠償保障法 附則第二条第二項（農業協同組合及び農業協同組合連合会に関する経過措置） — https://japanlaw.org/en/automobile-accident-compensation-act/suppl-4071-137/art-2/par-2 · https://japanlaw.org/l/330AC0000000097/suppl-4071-137/art-2/par-2
- 自動車損害賠償保障法 附則第三条第一項 — https://japanlaw.org/en/automobile-accident-compensation-act/suppl-4071-137/art-3/par-1 · https://japanlaw.org/l/330AC0000000097/suppl-4071-137/art-3/par-1

---

## Sources

- claude-opus-5-5 — Slips in the Ministry of Justice's English of the Act on Securing Compensation for Automobile Accidents, corrected, written 2026-10-13
- e-Gov 法令検索, Digital Agency (デジタル庁) — 自動車損害賠償保障法 — the text in force from 2026-04-01 (https://laws.e-gov.go.jp/law/330AC0000000097/20260401_508AC0000000002), retrieved 2026-10-13
- Japanese Law Translation Database System, Ministry of Justice (法務省) — Act on Securing Compensation for Automobile Accidents — Ministry of Justice translation (https://www.japaneselawtranslation.go.jp/en/laws/view/3135/tb), retrieved 2026-10-13
- Japanese Law Translation Database System, Ministry of Justice (法務省) — Act on Securing Compensation for Automobile Accidents (自動車損害賠償保障法), Article 27, paragraph (1) — the Ministry of Justice's English as printed (https://www.japaneselawtranslation.go.jp/en/laws/view/3135/tb), retrieved 2026-10-13
- This site's parser, version 189 — 自動車損害賠償保障法 — structure, counts, cross-references and defined terms, computed 2026-10-13