*Insurance coverage is subject to change without notice. For details, please contact the car rental company.

*This insurance coverage has been translated as references from the Japanese official website of each car rental company. For this reason, if the official website of the car rental company does not match the contents of our page, the official website of the car rental company is the correct information.

*Please note that Pam, Inc. and the car rental company are not responsible for any misunderstandings or troubles caused by translation.

Insurance compensation system of Haco Rent-a-Car

Basic Coverage

Insurance and compensation included in rental car fees
In case of an accident, insurance will be paid within the following limits.

Examples where the insurance/compensation system is not applicable

• Failure to report the accident to the police (in the absence of an accident certificate).
• Accidents caused by someone other than the person who reported at the time of departure.
• Accidents caused by driving without a license.
• Accidents caused by driving under the influence of alcohol.
• Accidents that occur when the rental period is exceeded without permission.
• Other violations of the rental agreement terms, such as leaving the keys inside the car resulting in theft.

*Damages exceeding the deductible and coverage limits will be the responsibility of the customer.
*Accidents that fall under circumstances where insurance benefits cannot be paid according to the insurance policy, or in cases without a police accident report, may not be eligible for compensation.

Other customer responsibilities include

• For spare tire replacement, please use the designated insurance company's roadside service or handle it yourself.
• In the event of a flat tire on a vehicle without a spare tire, please request assistance from the insurance company's roadside service instead of using the on-board puncture repair kit. You will be transported to the nearest repair facility, free of charge within the conditions specified by the insurance company's roadside service.
• If emergency repair using the on-board puncture repair kit is unavoidable, the cost will be the customer's responsibility.
• Repair costs for damaged tires, the cost of new tires and labor if tire replacement is necessary, and the cost of lost wheel caps will be borne by the customer. If the wheel is damaged, a non-operation charge will apply.
• When replacing with a new tire, please contact the departure store in advance. In principle, please replace with a tire equivalent to the damaged one.

Indemnity Coverage

Co-payments (Waiver of deductible)
This is a system that exempts customers from having to pay a portion of their insurance out-of-pocket expenses (deductible) in the event of an accident.

Conditions where exemption from liability is not applicable

• Damages exceeding the above compensation
• In case of no accident report to the police
• Cases falling under the exemption clauses of the insurance policy
  • Intentional accidents
  • Punctures or tire damage
  • Loss of wheel caps
  • Interior equipment stains
  • Loss of equipment

• Cases where reasons for violating the rental agreement are evident
  • Drunk driving
  • Reckless driving
  • Drug use
  • Unauthorized extension
  • Accidents during hit-and-run
  • Unapproved drivers by our company
  • Subleasing, etc.

• Cases with managerial negligence
  • Damage to interior equipment
  • Theft with unlocked vehicle
  • Hit-and-run in a no-parking area
  • Other nuisance behaviors, etc.

Wide range of liability insurance

Non-operation charge (NOC) payment exemption
In the event of an accident, in addition to the deductible coverage, compensation for business interruption during the vehicle repair period will also be provided.