Bicycle accidents occur when a cyclist crashes into another cyclist and/or pedestrian, due to drunk riding, ignoring surroundings, etc.
Under the Article 709 of Japanese Civil Code, the victims of such accidents can demand compensation from the assailant for damages caused by the accidents, such as medical bills, lost wages, pain and suffering, disabilities and damage to, or destruction of, properties.
In recent years, the number of bicycle accidents have been increasing and such accidents have in some cases proven fatal.
Under Japanese Law, Cyclists are not obliged to take out insurance coverage, as the Automobile Liability Security Act does not cover bicycle accidents.
However, there has been a steady increase in the number of cyclists who take out voluntary bicycle insurance coverage.
As it presently stands, in the event that the assailant has no insurance coverage, or funds, then unfortunately the victim is left to pay his/her own expenses for his/her damage; for example medical bills. In such a case, Personal Injury Protection Coverage may be quite useful for the victim.