# 自動車損害賠償保障法 / Act on Securing Compensation for Automobile Accidents — 第十六条の五 (Article 16-5) - 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: 第十六条の五 (Article 16-5)（書面による説明等） — address `art-16-5` - Text in force since: 2026-04-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/330AC0000000097/art-16-5 - 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. --- ### 第十六条の五（書面による説明等） — (Written Explanations) caption: Ministry of Justice translation — Japanese Law Translation Database System art-16-5 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5 · https://japanlaw.org/l/330AC0000000097/art-16-5 **第一項** 保険会社は、前条第二項又は第三項の規定により書面を交付した後において、被保険者又は被害者から、国土交通省令・内閣府令で定めるところにより、書面により、保険金等の支払に関する重要な事項（同条第二項の国土交通省令・内閣府令で定める事項を除く。）であつて国土交通省令・内閣府令で定めるもの又は同条第三項に規定する支払を行わないこととした理由の詳細であつて国土交通省令・内閣府令で定めるものについて説明を求められたときは、次項前段に規定する場合を除き、国土交通省令・内閣府令で定めるところにより、当該説明を求めた者に対し、書面により、当該説明を求められた事項を説明しなければならない。ただし、当該説明を求めた者の同意があるときは、書面以外の方法により説明することができる。 art-16-5/par-1 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-1 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-1 Except as prescribed in the first sentence of the next paragraph, if, after the insurer delivers a document pursuant to paragraph (2) or (3) of the preceding Article, the insured or the injured party asks the insurer, in writing and pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order, for an explanation of material information as prescribed by Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order with regard to the payment of insurance proceeds and damages (other than information as prescribed by Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order which is referred to in paragraph (2) of that Article), or for an explanation of the details prescribed by Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order with regard to its grounds for not paying the insurance proceeds and damages as prescribed in paragraph (3) of that Article, the insurer must provide a written explanation of this to the insured or injured party asking for the explanation, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order; provided, however, that the insurer may provide an explanation other than in writing if the person asking for the explanation consents. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 保険会社は、前項の規定により説明を求められた場合であつて第三者の権利利益を不当に害するおそれがあるときその他正当な理由があるときは、当該説明を求められた事項の全部又は一部について説明をしないことができる。この場合において、保険会社は、説明をしない旨及びその理由を記載した書面を当該説明を求めた者に交付しなければならない。 art-16-5/par-2 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-2 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-2 An insurer may decide not to explain all or some of the things that it has been asked to explain pursuant to the preceding paragraph, if explaining something it has been asked to explain could do unreasonable harm to the rights and interests of a third party or if there are any other legitimate grounds for it to decide not to give an explanation. In such a case, the insurer must deliver a document indicating that it will not explain these things and giving the grounds for not explaining them to the person requesting the explanation. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 第一項の規定による説明又は前項の規定による書面の交付（次項において「説明等」という。）は、第一項の規定により説明を求められた日から起算して三十日以内にしなければならない。 art-16-5/par-3 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-3 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-3 An insurer must give an explanation as under paragraph (1) or deliver a document as under the preceding paragraph (in the next paragraph, this is referred to as an "explanation, etc.") within 30 days, counting from the day the explanation is asked for pursuant to paragraph (1). Ministry of Justice translation — Japanese Law Translation Database System **第四項** 保険会社は、事務処理上の困難その他正当な理由により前項に規定する期間内に説明等をすることができないときは、同項に規定する期間内に、第一項の規定により説明を求めた者に対し、書面により、前項に規定する期間内に当該説明等をすることができない理由及び当該説明等の期限を通知しなければならない。 art-16-5/par-4 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-4 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-4 If an insurer is unable to provide an explanation ,etc. within the period prescribed in the preceding paragraph due to the difficulty of clerical processing or any other legitimate grounds, it must notify the person asking for the explanation pursuant to paragraph (1), in writing and within the period prescribed in the preceding paragraph, of the reasons it cannot provide an explanation , etc. within the period prescribed in the preceding paragraph and of the time limit by which it will provide an explanation, etc. Ministry of Justice translation — Japanese Law Translation Database System **第五項** 保険会社は、第一項の規定による書面による説明、第二項の規定による書面の交付又は前項の規定による書面による通知（以下「書面による説明等」という。）に代えて、政令で定めるところにより、被保険者又は被害者の承諾を得て、当該書面に記載すべき事項を電子情報処理組織を使用する方法その他の情報通信の技術を利用する方法であつて国土交通省令・内閣府令で定めるものにより提供することができる。この場合において、当該保険会社は、書面による説明等を行つたものとみなす。 art-16-5/par-5 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-5 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-5 With the consent of the insured or the injured party and pursuant to Cabinet Order, in lieu of giving a written explanation as under paragraph (1), delivering a document as under paragraph (2) or notifying a person in writing as under the preceding paragraph (hereinafter referred to as providing a "written explanation , etc."), an insurer may use one of the means of employing an electronic data processing system or of otherwise making use of information and communications technology which Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order prescribe, to provide the relevant person with the information that it is required to give in the document. Having done so, the insurer is deemed to have provided a written explanation ,etc. Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "With the consent of the insured or the injured party and pursuant to Cabinet Order, in lieu of delivering a document as under paragraph (2) or notifying a person in writing as under the preceding paragraph (hereinafter referred to as providing a "written explanation , etc."), an insurer may use one of the means of employing an electronic data processing system or of otherwise making use of information and communications technology which Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order prescribe, to provide the relevant person with the information that it is required to give in the document. Having done so, the insurer is deemed to have provided a written explanation ,etc." — https://www.japaneselawtranslation.go.jp/en/laws/view/3135/tb --- ## Cites - art-16-5/par-1: 前条第二項 → 自動車損害賠償保障法 第十六条の四第二項 (Article 16-4, paragraph (2)), art-16-4/par-2 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-4/par-2 · https://japanlaw.org/l/330AC0000000097/art-16-4/par-2 - art-16-5/par-1: 第三項 → 自動車損害賠償保障法 第十六条の四第三項 (Article 16-4, paragraph (3)), art-16-4/par-3 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-4/par-3 · https://japanlaw.org/l/330AC0000000097/art-16-4/par-3 - art-16-5/par-1: 次項 → 自動車損害賠償保障法 第十六条の五第二項 (Article 16-5, paragraph (2)), art-16-5/par-2 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-2 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-2 - art-16-5/par-2: 前項 → 自動車損害賠償保障法 第十六条の五第一項 (Article 16-5, paragraph (1)), art-16-5/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-1 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-1 - art-16-5/par-3: 第一項 → 自動車損害賠償保障法 第十六条の五第一項 (Article 16-5, paragraph (1)), art-16-5/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-1 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-1 - art-16-5/par-3: 前項 → 自動車損害賠償保障法 第十六条の五第二項 (Article 16-5, paragraph (2)), art-16-5/par-2 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-2 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-2 - art-16-5/par-3: 次項 → 自動車損害賠償保障法 第十六条の五第四項 (Article 16-5, paragraph (4)), art-16-5/par-4 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-4 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-4 - art-16-5/par-4: 前項 → 自動車損害賠償保障法 第十六条の五第三項 (Article 16-5, paragraph (3)), art-16-5/par-3 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-3 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-3 - art-16-5/par-4: 第一項 → 自動車損害賠償保障法 第十六条の五第一項 (Article 16-5, paragraph (1)), art-16-5/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-1 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-1 - art-16-5/par-5: 第一項 → 自動車損害賠償保障法 第十六条の五第一項 (Article 16-5, paragraph (1)), art-16-5/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-1 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-1 - art-16-5/par-5: 第二項 → 自動車損害賠償保障法 第十六条の五第二項 (Article 16-5, paragraph (2)), art-16-5/par-2 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-2 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-2 - art-16-5/par-5: 前項 → 自動車損害賠償保障法 第十六条の五第四項 (Article 16-5, paragraph (4)), art-16-5/par-4 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-4 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-4 ## Cited by 11 provisions cite this one. No official source publishes this direction. - 自動車損害賠償保障法 第十六条の五第一項（書面による説明等） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-1 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-1 - 自動車損害賠償保障法 第十六条の五第二項（書面による説明等） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-2 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-2 - 自動車損害賠償保障法 第十六条の五第三項（書面による説明等） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-3 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-3 - 自動車損害賠償保障法 第十六条の五第四項（書面による説明等） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-4 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-4 - 自動車損害賠償保障法 第十六条の五第五項（書面による説明等） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-5/par-5 · https://japanlaw.org/l/330AC0000000097/art-16-5/par-5 - 自動車損害賠償保障法 第十六条の七第一項第三号（国土交通大臣に対する申出） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-7/par-1/item-3 · https://japanlaw.org/l/330AC0000000097/art-16-7/par-1/item-3 - 自動車損害賠償保障法 第十六条の八第一項（指示等） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16-8/par-1 · https://japanlaw.org/l/330AC0000000097/art-16-8/par-1 - 自動車損害賠償保障法 第二十三条の二第一項（報告及び立入検査） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-23-2/par-1 · https://japanlaw.org/l/330AC0000000097/art-23-2/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/ja/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 第二十三条の三第二項（責任保険の契約に関する規定等の準用） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-23-3/par-2 · https://japanlaw.org/l/330AC0000000097/art-23-3/par-2 - 自動車損害賠償保障法 第九十二条第一項 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-92/par-1 · https://japanlaw.org/l/330AC0000000097/art-92/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 16-5, paragraph (5) — 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