# 自動車損害賠償保障法 / Act on Securing Compensation for Automobile Accidents — 第八十二条の三 (Article 82-3) - 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: 第八十二条の三 (Article 82-3)（重複契約の場合の免責） — address `art-82-3` - Text in force since: 2026-04-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/330AC0000000097/art-82-3 - 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. --- ### 第八十二条の三（重複契約の場合の免責） — (Release from Liability If There Are Multiple Contracts) caption: Ministry of Justice translation — Japanese Law Translation Database System art-82-3 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3 · https://japanlaw.org/l/330AC0000000097/art-82-3 **第一項** 一両の自動車について二以上の責任保険の契約又は責任共済の契約が締結されている場合においては、保険会社又は組合は、これらの契約のうち締結した時が最も早い契約以外の契約については、その締結した時が最も早い契約の保険期間又は共済期間と重複する保険期間又は共済期間において発生した自動車の運行による事故に係る損害のてん補、第十六条第一項（第二十三条の三第一項において準用する場合を含む。）の規定による損害賠償額の支払及び第十七条第一項（第二十三条の三第一項において準用する場合を含む。）の規定による仮渡金の支払（次項において「損害のてん補等」という。）の責めを免れる。 art-82-3/par-1 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-1 If two or more contracts for liability insurance or mutual liability insurance have been concluded for the same automobile, the insurer or cooperative is released from the liability to indemnify for damage, pay damages under Article 16, paragraph (1) (including as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)), or make a provisional payout under Article 17, paragraph (1) (including as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)) (in the following paragraph, referred to as "indemnity for damage or other payment"), under any contract other than the earliest-concluded contract, in connection with an accident arising from the operation of an automobile during a coverage period or period of coverage under mutual insurance that overlaps with the earliest-concluded contract's coverage period or period of coverage under mutual insurance. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前項の場合において、同項の締結した時が最も早い契約が二以上あるときは、保険会社又は組合は、これらの契約のうち一の契約については、当該契約に関し損害のてん補等をすべき金額をこれらの契約の数で除して得た金額を超える金額について、損害のてん補等の責めを免れる。 art-82-3/par-2 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-2 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-2 In a case as referred to in the preceding paragraph, if there are multiple contracts that constitute the earliest-concluded contract as referred to in that paragraph, an insurer or the cooperative that has concluded one of those contracts is released from the liability to provide an indemnity for damage or other payment beyond the amount arrived at when the amount payable as an indemnity for damage or other payment under that contract is divided by the number of contracts. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 保険会社又は組合は、第一項の締結した時が最も早い契約以外の契約に関して第十六条第一項（第二十三条の三第一項において準用する場合を含む。）の規定による損害賠償額の支払又は第十七条第一項（第二十三条の三第一項において準用する場合を含む。）の規定による仮渡金の支払（以下この項及び次項において「損害賠償額等の支払」という。）の請求があつた場合において、損害賠償額等の支払として給付をしたときは、保険会社若しくは組合又は被害者が当該請求に係る契約が第一項の締結した時が最も早い契約以外の契約であることを知つていた場合を除き、その給付をした額の限度において、被害者が損害賠償の責任を有する者に対して有する権利を取得するとともに、被害者に対してした給付の返還を請求する権利を失う。 art-82-3/par-3 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-3 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-3 Unless an insurer, cooperative, or injured party is aware that the contract under which a claim has been made is not an earliest-concluded contract as referred to in paragraph (1), if, on receipt of a claim for damages under Article 16, paragraph (1) (including as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)) or for a provisional payout under Article 17, paragraph (1) (including as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)) (hereinafter referred to as the "payment of damages or a provisional payout" in this and the following paragraph), the insurer or cooperative makes a payment of damages or a provisional payout as a benefit under a contract other than the earliest-concluded contract as referred to in paragraph (1), it acquires the rights that the injured party holds against the person that is liable to compensate for the damage, and it also loses the right to demand the return of that benefit from the injured party, to the extent of the benefit it has paid. Ministry of Justice translation — Japanese Law Translation Database System **第四項** 前項の規定は、保険会社又は組合が第一項の締結した時が最も早い契約に関し第二項の規定により損害賠償額等の支払について責めを免れるべき金額の支払をした場合について準用する。この場合において、前項中「契約が第一項の締結した時が最も早い契約以外の契約であること」とあるのは「契約の他に第一項の締結した時が最も早い契約があること」と、「その給付をした額」とあるのは「第二項の規定により損害賠償額等の支払について責めを免れるべき金額」と読み替えるものとする。 art-82-3/par-4 · https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-4 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-4 The preceding paragraph applies mutatis mutandis if an insurer or cooperative pays, as a payment of damages or a provisional payout, an amount of money that, pursuant to paragraph (2), it is to be released from the liability to pay under an earliest-concluded contract as referred to in paragraph (1). In such a case, the term "that the contract under which a claim has been made is not an earliest-concluded contract as referred to in paragraph (1)" in the preceding paragraph is deemed to be replaced with "that, in addition to the contract under which a claim has been made, there is another contract that constitutes an earliest-concluded contract as referred to in paragraph (1)" and "the benefit it has paid" is deemed to be replaced with "the amount of money that, pursuant to paragraph (2), it is to be released from the liability to pay". Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-82-3/par-1: 第十六条第一項 → 自動車損害賠償保障法 第十六条第一項 (Article 16, paragraph (1)), art-16/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16/par-1 · https://japanlaw.org/l/330AC0000000097/art-16/par-1 - art-82-3/par-1: 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/ja/automobile-accident-compensation-act/art-23-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-23-3/par-1 - art-82-3/par-1: 第十七条第一項 → 自動車損害賠償保障法 第十七条第一項 (Article 17, paragraph (1)), art-17/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-17/par-1 · https://japanlaw.org/l/330AC0000000097/art-17/par-1 - art-82-3/par-1: 次項 → 自動車損害賠償保障法 第八十二条の三第二項 (Article 82-3, paragraph (2)), art-82-3/par-2 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-2 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-2 - art-82-3/par-2: 前項 → 自動車損害賠償保障法 第八十二条の三第一項 (Article 82-3, paragraph (1)), art-82-3/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-1 - art-82-3/par-3: 第一項 → 自動車損害賠償保障法 第八十二条の三第一項 (Article 82-3, paragraph (1)), art-82-3/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-1 - art-82-3/par-3: 第十六条第一項 → 自動車損害賠償保障法 第十六条第一項 (Article 16, paragraph (1)), art-16/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-16/par-1 · https://japanlaw.org/l/330AC0000000097/art-16/par-1 - art-82-3/par-3: 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/ja/automobile-accident-compensation-act/art-23-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-23-3/par-1 - art-82-3/par-3: 第十七条第一項 → 自動車損害賠償保障法 第十七条第一項 (Article 17, paragraph (1)), art-17/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-17/par-1 · https://japanlaw.org/l/330AC0000000097/art-17/par-1 - art-82-3/par-3: この項 → 自動車損害賠償保障法 第八十二条の三第三項 (Article 82-3, paragraph (3)), art-82-3/par-3 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-3 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-3 - art-82-3/par-3: 次項 → 自動車損害賠償保障法 第八十二条の三第四項 (Article 82-3, paragraph (4)), art-82-3/par-4 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-4 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-4 - art-82-3/par-4: 前項 → 自動車損害賠償保障法 第八十二条の三第三項 (Article 82-3, paragraph (3)), art-82-3/par-3 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-3 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-3 - art-82-3/par-4: 第一項 → 自動車損害賠償保障法 第八十二条の三第一項 (Article 82-3, paragraph (1)), art-82-3/par-1 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-1 - art-82-3/par-4: 第二項 → 自動車損害賠償保障法 第八十二条の三第二項 (Article 82-3, paragraph (2)), art-82-3/par-2 — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-2 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-2 ## Cited by 5 provisions cite this one. No official source publishes this direction. - 自動車損害賠償保障法 第十四条第一項（免責） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-14/par-1 · https://japanlaw.org/l/330AC0000000097/art-14/par-1 - 自動車損害賠償保障法 第八十二条の三第一項（重複契約の場合の免責） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-1 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-1 - 自動車損害賠償保障法 第八十二条の三第二項（重複契約の場合の免責） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-2 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-2 - 自動車損害賠償保障法 第八十二条の三第三項（重複契約の場合の免責） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-3 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-3 - 自動車損害賠償保障法 第八十二条の三第四項（重複契約の場合の免責） — https://japanlaw.org/ja/automobile-accident-compensation-act/art-82-3/par-4 · https://japanlaw.org/l/330AC0000000097/art-82-3/par-4 --- ## 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