# 自動車損害賠償保障法 / Act on Securing Compensation for Automobile Accidents — 第二十八条の四 (Article 28-4) - 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: 第二十八条の四 (Article 28-4)（共同プール事務） — address `art-28-4` - Text in force since: 2026-04-01 - URL (the page that opens at this provision): https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/330AC0000000097/art-28-4 - 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. --- ### 第二十八条の四（共同プール事務） — (Jointly Pooled Administrative Processes) caption: Ministry of Justice translation — Japanese Law Translation Database System art-28-4 · https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4 · https://japanlaw.org/l/330AC0000000097/art-28-4 **第一項** 保険会社及び組合（責任共済の契約の締結により負う共済責任の全部を他の組合に再共済する契約を締結した組合及び当該再共済の契約の締結により負う再共済責任の全部を他の組合に再再共済する契約を締結した組合を除く。以下この条において同じ。）は、次の各号に掲げる方法により、相互間で共同して、保険料、保険金等の計算、配分及び徴収をする事務（以下この条において「共同プール事務」という。）を行うものとする。 art-28-4/par-1 · https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-1 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-1 Insurers and cooperatives (other than any cooperative that has entered into a mutual reinsurance agreement pursuant to which another cooperative bears all of the mutual insurance liabilities it had assumed pursuant to contracts for mutual liability insurance; and other than any cooperative that has entered into a mutual retrocession agreement pursuant to which another cooperative bears all of the mutual reinsurance liabilities it had assumed pursuant to a mutual reinsurance agreement; hereinafter the same applies in this Article) are to jointly perform the work of calculating, distributing, and collecting insurance premiums and insurance proceeds and damages among themselves (hereinafter referred to as "jointly pooled administrative processes" in this Article) as follows: Ministry of Justice translation — Japanese Law Translation Database System **一** 責任保険の保険料その他この法律の規定により保険会社が収受したもの又は責任共済の共済掛金、再共済の再共済掛金若しくは再再共済の再再共済掛金その他この法律の規定により組合が収受したものから、第七十八条の規定により政府に納付したもの並びに保険会社の責任保険の事業を行うための費用（保険料から将来の保険金の支払に充てられると見込まれるもの及び同条の規定により政府に納付すべきものとされるものを控除した残額をいう。）又は組合の責任共済の事業を行うための費用（共済掛金、再共済掛金又は再再共済掛金から将来の共済金、再共済金又は再再共済金の支払に充てられると見込まれるもの及び同条の規定により政府に納付すべきものとされるものを控除した残額をいう。）を控除した残額を、次項の規約において保険会社及び組合別に定める割合（以下この条において「配分率」という。）に応じて保険会社及び組合に対して配分すること。 art-28-4/par-1/item-1 · https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-1/item-1 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-1/item-1 by allocations being made to insurers and cooperatives in accordance with the percentages prescribed in the rules referred to in the following paragraph for each insurer and cooperative (hereinafter referred to as "allocation rates" in this Article), in connection with any amount remaining when what insurers have paid to the government pursuant to Article 78, as well as insurers' costs to engage in the liability insurance business (meaning the amount remaining when what is expected to be paid in the form of future insurance proceeds, as well as what it is decided insurers must pay to the government pursuant to that Article, is deducted from insurance premiums) are deducted from the liability insurance premiums and other monies that insurers have collected pursuant to this Act; and in connection with any amount remaining when what cooperatives have paid to the government pursuant to Article 78, as well as cooperatives' costs to engage in the mutual liability insurance business (meaning the amount remaining when what is expected to be paid in the form of future mutual insurance proceeds, future mutual reinsurance proceeds, and future mutual retrocession proceeds, as well as what it is decided cooperatives must pay to the government pursuant to that Article, is deducted from mutual insurance premiums, mutual reinsurance premiums, and mutual retrocession premiums) are deducted from the mutual liability insurance premiums, mutual reinsurance premiums, mutual retrocession premiums, and other monies that cooperatives have collected pursuant to this Act; Ministry of Justice translation — Japanese Law Translation Database System **二** 保険金その他この法律の規定により若しくは責任保険の契約に定めるところにより保険会社が支払つたもの又は共済金、再共済金若しくは再再共済金その他この法律の規定により若しくは責任共済、再共済若しくは再再共済の契約に定めるところにより組合が支払つたものから、第十六条第四項又は第十七条第四項（これらの規定を第二十三条の三第一項において準用する場合を含む。）の規定により政府から収受したものを控除した残額を配分率に応じて保険会社及び組合から徴収すること。 art-28-4/par-1/item-2 · https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-1/item-2 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-1/item-2 by monies being collected from insurers and cooperatives in accordance with allocation rates, in connection with any amount remaining when what insurers have received from the government pursuant to Article 16, paragraph (4) and Article 17, paragraph (4) (including as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)) is deducted from insurance proceeds and anything that insurers have paid based on this Act or based on their contracts for liability insurance; and in connection with any amount remaining when what cooperatives have received from the government pursuant to those provisions is deducted from mutual insurance proceeds, mutual reinsurance proceeds, mutual retrocession proceeds, and anything that cooperatives have paid based on this Act or based their contracts for mutual liability insurance, mutual reinsurance agreements, and mutual retrocession agreements. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 保険会社及び組合は、配分率その他共同プール事務に関し必要な事項を定める規約を作成し、保険会社にあつては国土交通大臣及び内閣総理大臣に、組合にあつては国土交通大臣及び当該組合を所管する厚生労働大臣、農林水産大臣又は事業所管大臣に届け出なければならない。当該規約の変更をしたときも、同様とする。 art-28-4/par-2 · https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-2 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-2 Insurers and cooperatives must formulate rules establishing allocation rates and other necessary particulars of the jointly pooled administrative processes; an insurer must report these rules to the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister; and a cooperative must report these rules to the Minister of Land, Infrastructure, Transport and Tourism and to whichever minister among the Minister of Health, Labour and Welfare; the Minister of Agriculture, Forestry and Fisheries; or the competent Minister for the business has jurisdiction over that cooperative. The same applies if they change those rules. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 国土交通大臣は、共同プール事務の運営状況を把握するため、その必要の限度において、保険会社又は組合に対し、当該共同プール事務に関し必要な報告又は資料の提出を求めることができる。この場合において、国土交通大臣は、あらかじめ、当該保険会社又は組合を所管する内閣総理大臣又は厚生労働大臣、農林水産大臣若しくは事業所管大臣に協議するものとする。 art-28-4/par-3 · https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-3 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-3 The Minister of Land, Infrastructure, Transport and Tourism may ask an insurer or cooperative to submit the necessary reports or materials for assessing the operational status of jointly pooled administrative processes, to the extent that this is necessary. To do so, the Minister of Land, Infrastructure, Transport and Tourism is to first consult with whichever minister among the Prime Minister; the Minister of Health, Labour and Welfare; the Minister of Agriculture, Forestry and Fisheries; or the competent Minister for the business has jurisdiction over the insurer or the cooperative. Ministry of Justice translation — Japanese Law Translation Database System **第四項** 国土交通大臣並びに内閣総理大臣、厚生労働大臣、農林水産大臣及び事業所管大臣は、第二項の規定により届出を受けた規約の内容が法令に違反し、若しくは特定の者に対して不当な差別的取扱いをするものであると認めるとき、又は共同プール事務が適正に行われていないと認めるときは、保険会社又は組合に対し、共同して、規約の変更その他必要な措置を採るべき旨を命ずることができる。 art-28-4/par-4 · https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-4 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-4 On finding that the content of the rules reported pursuant to paragraph (2) violates a law or regulation or that it subjects a specific group of persons to unfairly differential treatment, or on finding that jointly pooled administrative processes are not being performed properly, the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister; the Minister of Health, Labour and Welfare; the Minister of Agriculture, Forestry and Fisheries; and the competent Minister for the business may jointly order an insurer or cooperative to amend those rules or to take other necessary measures. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-28-4/par-1: この条 → 自動車損害賠償保障法 第二十八条の四 (Article 28-4), art-28-4 — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4 · https://japanlaw.org/l/330AC0000000097/art-28-4 - art-28-4/par-1/item-1: 第七十八条 → 自動車損害賠償保障法 第七十八条 (Article 78), art-78 — https://japanlaw.org/en/automobile-accident-compensation-act/art-78 · https://japanlaw.org/l/330AC0000000097/art-78 - art-28-4/par-1/item-1: 次項 → 自動車損害賠償保障法 第二十八条の四第二項 (Article 28-4, paragraph (2)), art-28-4/par-2 — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-2 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-2 - art-28-4/par-1/item-1: この条 → 自動車損害賠償保障法 第二十八条の四 (Article 28-4), art-28-4 — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4 · https://japanlaw.org/l/330AC0000000097/art-28-4 - art-28-4/par-1/item-2: 第十六条第四項 → 自動車損害賠償保障法 第十六条第四項 (Article 16, paragraph (4)), art-16/par-4 — https://japanlaw.org/en/automobile-accident-compensation-act/art-16/par-4 · https://japanlaw.org/l/330AC0000000097/art-16/par-4 - art-28-4/par-1/item-2: 第十七条第四項 → 自動車損害賠償保障法 第十七条第四項 (Article 17, paragraph (4)), art-17/par-4 — https://japanlaw.org/en/automobile-accident-compensation-act/art-17/par-4 · https://japanlaw.org/l/330AC0000000097/art-17/par-4 - art-28-4/par-1/item-2: 第二十三条の三第一項 → 自動車損害賠償保障法 第二十三条の三第一項 (Article 23-3, paragraph (1)), art-23-3/par-1 — https://japanlaw.org/en/automobile-accident-compensation-act/art-23-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-23-3/par-1 - art-28-4/par-4: 第二項 → 自動車損害賠償保障法 第二十八条の四第二項 (Article 28-4, paragraph (2)), art-28-4/par-2 — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-2 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-2 ## Cited by 9 provisions cite this one. No official source publishes this direction. - 自動車損害賠償保障法 第十六条の二第一項（休業による損害等に係る保険金等の限度） — https://japanlaw.org/en/automobile-accident-compensation-act/art-16-2/par-1 · https://japanlaw.org/l/330AC0000000097/art-16-2/par-1 - 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 第二十八条の四第一項（共同プール事務） — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-1 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-1 - 自動車損害賠償保障法 第二十八条の四第一項第一号（共同プール事務） — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-1/item-1 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-1/item-1 - 自動車損害賠償保障法 第二十八条の四第四項（共同プール事務） — https://japanlaw.org/en/automobile-accident-compensation-act/art-28-4/par-4 · https://japanlaw.org/l/330AC0000000097/art-28-4/par-4 - 自動車損害賠償保障法 第八十八条第一項第四号 — https://japanlaw.org/en/automobile-accident-compensation-act/art-88/par-1/item-4 · https://japanlaw.org/l/330AC0000000097/art-88/par-1/item-4 - 自動車損害賠償保障法 第九十一条第一項第四号 — https://japanlaw.org/en/automobile-accident-compensation-act/art-91/par-1/item-4 · https://japanlaw.org/l/330AC0000000097/art-91/par-1/item-4 - 自動車損害賠償保障法 附則第四条第一項 — https://japanlaw.org/en/automobile-accident-compensation-act/suppl-4071-137/art-4/par-1 · https://japanlaw.org/l/330AC0000000097/suppl-4071-137/art-4/par-1 - 自動車損害賠償保障法 附則第二条第二項（経過措置） — https://japanlaw.org/en/automobile-accident-compensation-act/suppl-4131-83/art-2/par-2 · https://japanlaw.org/l/330AC0000000097/suppl-4131-83/art-2/par-2 --- ## Sources - 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 - 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