# 自動車損害賠償保障法 / Act on Securing Compensation for Automobile Accidents — 第二十八条の三 (Article 28-3) - 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: 第二十八条の三 (Article 28-3)（準備金） — address `art-28-3` - Text in force since: 2026-04-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/330AC0000000097/art-28-3 - 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. --- ### 第二十八条の三（準備金） — (Reserves) caption: Ministry of Justice translation — Japanese Law Translation Database System art-28-3 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3 · https://japanlaw.org/l/330AC0000000097/art-28-3 **第一項** 保険会社は、保険業法第百十六条の規定にかかわらず、責任保険の事業から生じた収支差額及び運用益については、その全額を主務省令で定める準備金として積み立てるものとする。この場合において、積み立てた準備金は、責任保険の事業の収支の不足のてん補に充てる場合その他主務省令で定める場合を除き、取り崩してはならない。 art-28-3/par-1 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-1 Notwithstanding Article 116 of the Insurance Business Act, an insurer is to set aside the full balance of income and expenditures and investment profits generated by the liability insurance business as the reserves provided for by Order of the competent ministry. In such a case, the reserves set aside must not be drawn upon other than to compensate for a shortage of income and expenditures from the liability insurance business and in other cases provided for by Order of the competent ministry. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前項の規定は、農業協同組合等に準用する。この場合において、同項中「保険会社」とあるのは「農業協同組合等」と、「保険業法第百十六条の規定にかかわらず」とあるのは「農業協同組合法第十一条の三十二の規定にかかわらず」と、「責任保険の事業」とあるのは「責任共済の事業」と読み替えるものとする。 art-28-3/par-2 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-2 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-2 The preceding paragraph applies mutatis mutandis to agricultural cooperatives, etc.. In this case, the term "insurer" in the same paragraph is deemed to be replaced with "agricultural cooperative, etc."; the phrase "notwithstanding Article 116 of the Insurance Business Act" is deemed to be replaced with "notwithstanding Article 11-32 of the Agricultural Cooperatives Act"; and the phrase "the liability insurance business" is deemed to be replaced with "the mutual liability insurance business". Ministry of Justice translation — Japanese Law Translation Database System **第三項** 第一項の規定は、消費生活協同組合等に準用する。この場合において、同項中「保険会社」とあるのは「消費生活協同組合等」と、「保険業法第百十六条の規定にかかわらず」とあるのは「消費生活協同組合法第五十条の七の規定にかかわらず」と、「責任保険の事業」とあるのは「責任共済の事業」と読み替えるものとする。 art-28-3/par-3 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-3 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-3 Paragraph (1) applies mutatis mutandis to consumer cooperatives, etc. In such a case, the term "insurer" in that paragraph is deemed to be replaced with "consumer cooperative, etc."; the phrase "Notwithstanding Article 116 of the Insurance Business Act" is deemed to be replaced with "Notwithstanding Article 50-7 of the Consumers' Cooperatives Act"; and the phrase "the liability insurance business" is deemed to be replaced with "the mutual liability insurance business". Ministry of Justice translation — Japanese Law Translation Database System **第四項** 第一項の規定は、事業協同組合等に準用する。この場合において、同項中「保険会社」とあるのは「事業協同組合等」と、「保険業法第百十六条の規定にかかわらず、責任保険の事業」とあり、「責任保険の事業」とあるのは「責任共済の事業」と読み替えるものとする。 art-28-3/par-4 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-4 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-4 Paragraph (1) applies mutatis mutandis to business cooperatives, etc. In such a case, the term "insurer" in that paragraph is deemed to be replaced with "business cooperative, etc."; the phrase "Notwithstanding Article 116 of the Insurance Business Act" is deemed to be deleted; and the phrase "the liability insurance business" is deemed to be replaced with "the mutual liability insurance business". Ministry of Justice translation — Japanese Law Translation Database System **第五項** 第一項（前三項において準用する場合を含む。）の主務省令は、内閣総理大臣、厚生労働大臣、農林水産大臣、国土交通大臣及び事業所管大臣が共同で発する命令とする。 art-28-3/par-5 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-5 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-5 , Order of the competent ministry as referred to in paragraph (1) ( including as applied mutatis mutandis pursuant to the preceding three paragraphs),is to means an order jointly issued by the Prime Minister; the Minister of Health, Labour and Welfare; the Minister of Agriculture, Forestry and Fisheries; the Minister of Land, Infrastructure, Transport and Tourism; and the competent Minister for the business. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-28-3/par-1: 保険業法第百十六条 → e-Gov law 407AC0000000105, 第百十六条 (Article 116), art-116 — not held in this collection - art-28-3/par-2: 前項 → 自動車損害賠償保障法 第二十八条の三第一項 (Article 28-3, paragraph (1)), art-28-3/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-1 - art-28-3/par-2: 保険業法第百十六条 → e-Gov law 407AC0000000105, 第百十六条 (Article 116), art-116 — not held in this collection - art-28-3/par-2: 農業協同組合法第十一条の三十二 → e-Gov law 322AC0000000132, 第十一条の三十二 (Article 11-32), art-11-32 — not held in this collection - art-28-3/par-3: 第一項 → 自動車損害賠償保障法 第二十八条の三第一項 (Article 28-3, paragraph (1)), art-28-3/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-1 - art-28-3/par-3: 保険業法第百十六条 → e-Gov law 407AC0000000105, 第百十六条 (Article 116), art-116 — not held in this collection - art-28-3/par-3: 消費生活協同組合法第五十条の七 → e-Gov law 323AC0000000200, 第五十条の七 (Article 50-7), art-50-7 — not held in this collection - art-28-3/par-4: 第一項 → 自動車損害賠償保障法 第二十八条の三第一項 (Article 28-3, paragraph (1)), art-28-3/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-1 - art-28-3/par-4: 保険業法第百十六条 → e-Gov law 407AC0000000105, 第百十六条 (Article 116), art-116 — not held in this collection - art-28-3/par-5: 第一項 → 自動車損害賠償保障法 第二十八条の三第一項 (Article 28-3, paragraph (1)), art-28-3/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-1 - art-28-3/par-5: 前三項 → 自動車損害賠償保障法 第二十八条の三第二項 (Article 28-3, paragraph (2)), art-28-3/par-2 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-2 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-2 - art-28-3/par-5: 前三項 → 自動車損害賠償保障法 第二十八条の三第三項 (Article 28-3, paragraph (3)), art-28-3/par-3 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-3 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-3 - art-28-3/par-5: 前三項 → 自動車損害賠償保障法 第二十八条の三第四項 (Article 28-3, paragraph (4)), art-28-3/par-4 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-4 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-4 ## Cited by 5 provisions cite this one. No official source publishes this direction. - 自動車損害賠償保障法 第二十八条の三第二項（準備金） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-2 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-2 - 自動車損害賠償保障法 第二十八条の三第三項（準備金） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-3 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-3 - 自動車損害賠償保障法 第二十八条の三第四項（準備金） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-4 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-4 - 自動車損害賠償保障法 第二十八条の三第五項（準備金） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-28-3/par-5 · https://japanlaw.org/l/330AC0000000097/art-28-3/par-5 - 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/ja/automobile-accident-compensation-act/suppl-4071-137/art-2/par-1 · https://japanlaw.org/l/330AC0000000097/suppl-4071-137/art-2/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