# 自動車損害賠償保障法 / Act on Securing Compensation for Automobile Accidents — 第二十二条 (Article 22) - 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: 第二十二条 (Article 22)（危険の増加又は減少による契約の変更） — address `art-22` - Text in force since: 2026-04-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/automobile-accident-compensation-act/art-22 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/330AC0000000097/art-22 - 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. --- ### 第二十二条（危険の増加又は減少による契約の変更） — (Amending a Contract Due to Increased or Decreased Risk) caption: Ministry of Justice translation — Japanese Law Translation Database System art-22 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-22 · https://japanlaw.org/l/330AC0000000097/art-22 **第一項** 保険期間中に危険が増加し、又は減少したときは、責任保険の契約は、新たな危険に対応する責任保険の契約に変更されたものとみなす。 art-22/par-1 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-1 · https://japanlaw.org/l/330AC0000000097/art-22/par-1 If risk increases or decreases during the coverage period, the contract for liability insurance is deemed to have been changed to a contract corresponding to the new amount of risk. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 保険契約者又は被保険者は、保険期間中に危険が増加したことを知つたときは、遅滞なく、これを保険会社に通知しなければならない。 art-22/par-2 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-2 · https://japanlaw.org/l/330AC0000000097/art-22/par-2 Having become aware that risk has increased during the coverage period, the policyholder or the insured must notify the insurer of this without delay. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 保険期間中に危険が増加した後に保険事故が発生し、保険会社が損害をてん補した場合において、保険契約者又は被保険者が前項の通知を怠つていたときは、保険会社は、保険契約者に対し、そのてん補した金額の支払を請求することができる。 art-22/par-3 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-3 · https://japanlaw.org/l/330AC0000000097/art-22/par-3 If an insured event occurs after an increase of risk during the coverage period and the insurer indemnifies for the damage, but the policyholder or the insured has neglected to notify the insurer as referred to in the preceding paragraph, the insurer may require the policyholder to pay the amount of that indemnity. Ministry of Justice translation — Japanese Law Translation Database System **第四項** 保険会社は、第一項の場合において、危険が増加したときは、保険契約者に対し、政令で定めるところにより増加する額の保険料の支払を請求することができる。 art-22/par-4 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-4 · https://japanlaw.org/l/330AC0000000097/art-22/par-4 If risk has increased in a case as referred to in paragraph (1), the insurer may require the policyholder to pay the amount by which it increases the insurance premiums, pursuant to Cabinet Order. Ministry of Justice translation — Japanese Law Translation Database System **第五項** 保険契約者は、第一項の場合において、危険が減少したときは、保険会社に対し、政令で定めるところにより減少する額の保険料の返還を請求することができる。 art-22/par-5 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-5 · https://japanlaw.org/l/330AC0000000097/art-22/par-5 If risk decreases in a case as referred to in paragraph (1), the policyholder may require the insurer to refund the amount by which it decreases the insurance premiums, pursuant to Cabinet Order. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-22/par-3: 前項 → 自動車損害賠償保障法 第二十二条第二項 (Article 22, paragraph (2)), art-22/par-2 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-2 · https://japanlaw.org/l/330AC0000000097/art-22/par-2 - art-22/par-4: 第一項 → 自動車損害賠償保障法 第二十二条第一項 (Article 22, paragraph (1)), art-22/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-1 · https://japanlaw.org/l/330AC0000000097/art-22/par-1 - art-22/par-5: 第一項 → 自動車損害賠償保障法 第二十二条第一項 (Article 22, paragraph (1)), art-22/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-1 · https://japanlaw.org/l/330AC0000000097/art-22/par-1 ## Cited by 8 provisions cite this one. No official source publishes this direction. - 自動車損害賠償保障法 第七条第三項（自動車損害賠償責任保険証明書） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-7/par-3 · https://japanlaw.org/l/330AC0000000097/art-7/par-3 - 自動車損害賠償保障法 第九条の四第一項（自動車損害賠償責任共済証明書及び共済標章） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-9-4/par-1 · https://japanlaw.org/l/330AC0000000097/art-9-4/par-1 - 自動車損害賠償保障法 第二十一条第二項（告知義務違反による契約解除の効力） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-21/par-2 · https://japanlaw.org/l/330AC0000000097/art-21/par-2 - 自動車損害賠償保障法 第二十二条第三項（危険の増加又は減少による契約の変更） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-3 · https://japanlaw.org/l/330AC0000000097/art-22/par-3 - 自動車損害賠償保障法 第二十二条第四項（危険の増加又は減少による契約の変更） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-4 · https://japanlaw.org/l/330AC0000000097/art-22/par-4 - 自動車損害賠償保障法 第二十二条第五項（危険の増加又は減少による契約の変更） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-22/par-5 · https://japanlaw.org/l/330AC0000000097/art-22/par-5 - 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 --- ## 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