第五条自動車は、これについてこの法律で定める自動車損害賠償責任保険（以下「責任保険」という。）又は自動車損害賠償責任共済（以下「責任共済」という。）の契約が締結されているものでなければ、運行の用に供してはならない。

Article 5An automobile must not be put into operational use unless a contract for automobile liability insurance (hereinafter referred to as "liability insurance") or mutual automobile liability insurance (hereinafter referred to as "mutual liability insurance") as provided in this Act has been concluded for that automobile.

第六条責任保険の保険者（以下「保険会社」という。）は、保険業法（平成七年法律第百五号）第二条第四項に規定する損害保険会社又は同条第九項に規定する外国損害保険会社等で、責任保険の引受けを行う者とする。

Article 6(1)An insurer providing liability insurance (hereinafter referred to as the "insurer") is to be a non-life insurance company as prescribed in Article 2, paragraph (4) of the Insurance Business Act (Act No. 105 of 1995) or a foreign non-life insurance company, etc. as prescribed in paragraph (9) of that Article that underwrites liability insurance.

２責任共済の共済責任を負う者は、次の各号に掲げる協同組合（以下「組合」という。）とする。

(2)A person liable under mutual liability insurance is to be a cooperative that falls under one of the following items (hereinafter referred to as a "cooperative"):

第七条保険会社は、保険料の支払があつたときは、保険契約者に対して、当該自動車につき自動車損害賠償責任保険証明書を交付しなければならない。

Article 7(1)Once an insurance premium has been paid, the insurer must issue to the policyholder certificate of automobile liability insurance for the automobile.

２保険契約者は、当該自動車損害賠償責任保険証明書の記載事項について変更があつたときは、自動車損害賠償責任保険証明書にその変更についての記入を受けなければならない。

(2)If any of the information appearing on the certificate of automobile liability insurance changes, the policyholder must have that change entered on the certificate of insurance.

３保険会社は、前項の規定による記入の申出があつたときは、遅滞なく、その記入を行わなければならない。ただし、第二十二条第三項又は第四項の規定による請求をした場合において、その金額の支払がなかつたときは、この限りでない。

(3)Upon receipt of a request to enter a change under the preceding paragraph, the insurer must enter the change on the certificate of insurance without delay; provided, however, that this does not apply if the insurer has made a request under Article 22, paragraph (3) or (4) but the amount requested has not been paid.

４保険契約者は、自動車損害賠償責任保険証明書が滅失し、損傷し、又はその識別が困難となつたときは、保険会社に対して、その再交付を求めることができる。

(4)If certificate of automobile liability insurance is lost or damaged or becomes difficult to decipher, the policyholder may require the insurer to re-issue it.

５自動車損害賠償責任保険証明書の記載事項その他自動車損害賠償責任保険証明書に関する細目は、国土交通省令で定める。

(5)Order of the Ministry of Land, Infrastructure, Transport and Tourism provides for the information that is to appear on certificate of automobile liability insurance and other details concerning certificate of automobile liability insurance .

６保険法（平成二十年法律第五十六号）第六条の規定は、責任保険については、適用しない。

(6)Article 6 of the Insurance Act (Act No. 56 of 2008) does not apply to liability insurance.

第八条自動車は、自動車損害賠償責任保険証明書（前条第二項の規定により変更についての記入を受けなければならないものにあつては、その記入を受けた自動車損害賠償責任保険証明書。次条において同じ。）を備え付けなければ、運行の用に供してはならない。

Article 8An automobile must not be put into operational use unless it has certificate of automobile liability insurance on board (or unless it has certificate of insurance into which a change has been entered on board, if a change is required to have been entered in the certificate of insurance pursuant to paragraph (2) of the preceding Article; the same applies in the following Article).

第九条道路運送車両法第四条、第三十四条第一項、第三十六条の二第五項、第六十条第一項、第六十二条第二項（第六十三条第三項及び第六十七条第四項において準用する場合を含む。）、第六十七条第一項（使用者の変更に係る部分に限る。）、第七十一条第四項若しくは第九十七条の三又は総合特別区域法（平成二十三年法律第八十一号）第二十二条の二第三項に規定する処分を受けようとする者は、当該行政庁（道路運送車両法第七十四条の四の規定の適用があるときは、軽自動車検査協会。次項から第五項までにおいて同じ。）に対して、自動車損害賠償責任保険証明書をも提示しなければならない。ただし、道路運送車両法第九十四条の五第八項の規定により保安基準適合証の提出があつた場合において同法第六十二条第二項に規定する処分を受けようとするとき、又は総合特別区域法第二十二条の二第三項に規定する処分を受けようとするときは、国土交通省令で定める方法により作成した自動車損害賠償責任保険証明書の写しの提出をもつて、自動車損害賠償責任保険証明書の提示に代えることができる。

Article 9(1)A person seeking a disposition as prescribed in Article 4 of the Road Transport Vehicle Act or in Article 34, paragraph (1); Article 36-2, paragraph (5); Article 60, paragraph (1); Article 62, paragraph (2) (including as applied mutatis mutandis pursuant to Article 63, paragraph (3) and Article 67, paragraph (4)); Article 67, paragraph (1) (only in relation to a change of user); Article 71, paragraph (4); or Article 97-3 of that Act; or seeking a disposition prescribed in Article 22-2, paragraph (3) of the Act on Comprehensive Special Zones (Act No. 81 of 2011) must also present certificate of automobile liability insurance to the competent administrative agency (or to the Light Motor Vehicle Inspection Association, if Article 74-4 of the Road Transport Vehicle Act apply; the same applies in the following paragraph through paragraph (5)); provided, however, that if a safety regulations conformity certificate has been submitted pursuant to Article 94-5, paragraph (8) of the Road Transport Vehicle Act and a person seeks a disposition as prescribed in Article 62, paragraph (2) of the Road Transport Vehicle Act or seeks a disposition as prescribed in Article 22-2, paragraph (3) of the Act on Comprehensive Special Zones, instead of presenting certificate of automobile liability insurance, the person may submit a copy of that certificate of insurance prepared in the way that Order of the Ministry of Land, Infrastructure, Transport and Tourism prescribes.

２前項本文の場合において、同項本文の処分を受けようとする者は、政令で定めるところにより、保険会社に委託して、当該自動車損害賠償責任保険証明書に記載すべき事項を電磁的方法（電子情報処理組織を使用する方法その他の情報通信の技術を利用する方法であつて国土交通省令で定めるものをいう。）により道路運送車両法第七条第四項の登録情報処理機関（次項及び第四項において「登録情報処理機関」という。）に提供することができる。

(2)In a case as referred to in the main clause of the preceding paragraph, a person seeking intends to receive any of the dispositions as referred to in that clause by entrusting the insurer, pursuant to Cabinet Order, may provide a vehicle registration agency as referred to in Article 7, paragraph (4) of the Road Transport Vehicle Act (in paragraphs (3) and (4), referred to as a "vehicle registration agency") with the information required to be given on a certificate of automobile liability insurance by electronic or magnetic means (meaning by using one of the means of employing an electronic data processing system or of otherwise making use of information and communications technology which Order of the Ministry of Land, Infrastructure, Transport and Tourism prescribes).

３前項の規定により自動車損害賠償責任保険証明書に記載すべき事項が登録情報処理機関に提供されたときは、第一項本文の処分を受けようとする者は、当該自動車損害賠償責任保険証明書を当該行政庁に提示したものとみなす。

(3)If the information required to be given on a certificate of automobile liability insurance is provided to a vehicle registration agency pursuant to the preceding paragraph, a person intends to receive any of the dispositions as referred to in the main clause of paragraph (1) is deemed to have presented certificate of automobile liability insurance to the competent administrative agency.

４前項の場合において、当該行政庁は、登録情報処理機関に対し、国土交通省令で定めるところにより、必要な事項を照会するものとする。

(4)In a case as referred to in the preceding paragraph, the competent administrative agency is to confirm the necessary information by inquiring of the vehicle registration agency pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism.

５当該行政庁は、自動車損害賠償責任保険証明書の提示又はその写しの提出がないときは、第一項の処分をしないものとする。道路運送車両法第五十八条第一項に規定する検査対象外軽自動車以外の自動車について、その提示又は提出があつた自動車損害賠償責任保険証明書又はその写しに記載された保険期間が、当該自動車検査証に記入すべき有効期間又は臨時運行の許可の有効期間若しくは回送運行の許可の有効期間が満了する日までの期間の全部と重複するものでない場合においても、同様とする。

(5)The competent administrative agency is not to make the disposition referred to in paragraph (1) if certificate of automobile liability insurance is not presented or a copy thereof is not submitted. The same applies if the coverage period appearing on the certificate of insurance that has been presented for an automobile other than a light motor vehicle not subject to inspection as prescribed in Article 58, paragraph (1) of the Road Transport Vehicle Act or appearing on the copy thereof that has been submitted does not fully overlap with the entire period running up to the day that the validity to be entered in the automobile inspection certificate, the validity of permission for temporary operation, or the validity of permission for operation for forwarding the automobile to a certain location, expires.

６道路運送車両法第九十四条の五第一項の規定により保安基準適合証及び保安基準適合標章の交付を請求しようとする者は同法第九十四条の三第一項の指定自動車整備事業者に対して、総合特別区域法第二十二条の二第十一項の規定により点検整備済証の交付を請求しようとする者は同項の指定点検整備事業者に対して、それぞれ自動車損害賠償責任保険証明書を提示しなければならない。

(6)A person seeking to request the issuance of a safety regulations conformity certificate and a safety regulations conformity sticker pursuant to Article 94-5, paragraph (1) of the Road Transport Vehicle Act must present certificate of automobile liability insurance to a designated automobile maintenance facility as referred to in Article 94-3, paragraph (1) of that Act, and a person seeking to request the issuance of a certificate of inspection and maintenance pursuant to Article 22-2, paragraph (11) of the Act on Comprehensive Special Zones must present certificate of automobile liability insurance to a designated automobile inspection and maintenance facility as referred to in that paragraph.

７指定自動車整備事業者は、前項の規定による提示がないとき、又はその提示があつた自動車損害賠償責任保険証明書に記載された保険期間が、その日から道路運送車両法第九十四条の五第八項の規定により保安基準適合証の提出があつた場合において記入されるべき同法第六十一条第一項に規定する自動車検査証の有効期間（次項において単に「自動車検査証の有効期間」という。）が満了する日までの期間の全部と重複するものでないときは、同法第九十四条の五第一項の規定にかかわらず、保安基準適合証及び保安基準適合標章を交付してはならない。

(7)Notwithstanding Article 94-5, paragraph (1) of the Road Transport Vehicle Act, if certificate of automobile liability insurance is not presented as under the preceding paragraph; or if the coverage period given in the certificate of automobile liability insurance that has been presented as under that paragraph does not overlap with the entire period that runs from the day on which the certificate of insurance is presented until the day that must be entered, when a safety regulations conformity certificate is submitted pursuant to Article 94-5, paragraph (8) of that Act, as the date on which the validity of the automobile inspection certificate provided for in Article 61, paragraph (1) of the Road Transport Vehicle Act expires (in the next paragraph, this period is simply referred to as the "validity of the automobile inspection certificate"), a designated automobile maintenance facility must not issue a safety regulations conformity certificate or safety regulations conformity sticker.

８指定点検整備事業者は、第六項の規定による提示がないとき、又はその提示があつた自動車損害賠償責任保険証明書に記載された保険期間が、その日から当該点検整備済証を添付して総合特別区域法第二十二条の二第一項の規定により自動車検査証の有効期間の伸長の申請がされた場合において記入されるべき自動車検査証の有効期間が満了する日までの期間の全部と重複するものでないときは、同条第十一項の規定にかかわらず、点検整備済証を交付してはならない。

(8)Notwithstanding Article 22-2, paragraph (11) of the Act on Comprehensive Special Zones, if certificate of automobile liability insurance is not presented as under paragraph (6); or if the coverage period given in the certificate of automobile liability insurance that has been presented as under that paragraph does not overlap with the entire period that runs from the day on which the certificate of insurance is presented until the day that must be entered, when a person applies for an extension of the validity of an automobile inspection certificate pursuant to Article 22-2, paragraph (1) of the Act on Comprehensive Special Zones and attaches a certificate of inspection and maintenance, as the date on which the validity of the automobile inspection certificate expires, a designated automobile inspection and maintenance facility must not issue a certificate of inspection and maintenance.

第九条の二保険会社は、検査対象外軽自動車、原動機付自転車又は締約国登録自動車（道路交通に関する条約の実施に伴う道路運送車両法の特例等に関する法律（昭和三十九年法律第百九号）第二条第二項に規定する締約国登録自動車をいう。以下同じ。）について第七条第一項の規定により自動車損害賠償責任保険証明書を交付したときは、当該保険契約者に対して、保険標章を交付しなければならない。

Article 9-2(1)If an insurer issues certificate of automobile liability insurance pursuant to Article 7, paragraph (1) for a light motor vehicle not subject to inspection, a motorized bicycle, or an automobile registered in a contracting state (meaning an automobile registered in a contracting state as provided in Article 2, paragraph (2) of the Act on Special Measures for the Road Transport Vehicle Act to Coordinate with the Implementation of the Convention on Road Traffic (Act No. 109 of 1964); the same applies hereinafter), the insurer must issue an insurance sticker to the policyholder.

２保険標章には、国土交通省令で定めるところにより、保険期間の満了する時期を表示するものとする。

(2)An insurance sticker must indicate when the coverage period expires, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism.

３保険標章の有効期間は、保険期間と同一とする。

(3)The validity of an insurance sticker is the same as the coverage period.

４保険契約者は、保険標章が滅失し、損傷し、又はその識別が困難となつた場合その他国土交通省令で定める場合には、保険会社に対して、その再交付を求めることができる。

(4)If an insurance sticker is lost or damaged or becomes difficult to decipher, or in a case as prescribed by Order of the Ministry of Land, Infrastructure, Transport and Tourism, the policyholder may request the insurer to re-issue the sticker.

５保険標章の様式その他保険標章に関する細目は、国土交通省令で定める。

(5)Order of the Ministry of Land, Infrastructure, Transport and Tourism provides for the format for insurance stickers and other details of insurance stickers.

第九条の三検査対象外軽自動車、原動機付自転車及び締約国登録自動車は、国土交通省令で定めるところにより、保険標章を表示しなければ、運行の用に供してはならない。

Article 9-3(1)A light motor vehicle not subject to inspection, a motorized bicycle, or an automobile registered in a contracting state must not be put into operational use unless it displays an insurance sticker pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism.

２保険標章は、当該検査対象外軽自動車、当該原動機付自転車又は当該締約国登録自動車以外の検査対象外軽自動車、原動機付自転車又は締約国登録自動車に表示してはならない。

(2)It is prohibited for an insurance sticker to be displayed on a light motor vehicle not subject to inspection, motorized bicycle, or automobile registered in a contracting state other than that for which the sticker is issued.

３有効期間を経過した保険標章は、検査対象外軽自動車、原動機付自転車又は締約国登録自動車に表示してはならない。

(3)It is prohibited for an insurance sticker whose validity has expired to be displayed on a light motor vehicle not subject to inspection, a motorized bicycle, or an automobile registered in a contracting state.

第九条の四第七条及び第九条の二の規定は、責任共済について準用する。この場合において、これらの規定中「保険会社」とあるのは「組合」と、「保険料」とあるのは「共済掛金」と、「保険契約者」とあるのは「共済契約者」と、「自動車損害賠償責任保険証明書」とあるのは「自動車損害賠償責任共済証明書」と、「保険標章」とあるのは「共済標章」と、「保険期間」とあるのは「共済期間」と、第七条第三項中「第二十二条第三項又は第四項」とあるのは「第二十三条の三第一項において準用する第二十二条第三項又は第四項」と、同条第六項中「責任保険」とあるのは「責任共済」と、第九条の二第一項中「第七条第一項」とあるのは「第九条の四において準用する第七条第一項」と読み替えるものとする。

Article 9-4Articles 7 and 9-2 apply mutatis mutandis to mutual liability insurance. In such a case, the term "insurer" in those provisions is deemed to be replaced with "cooperative"; the term "insurance premiums" is deemed to be replaced with "mutual insurance premiums"; " the term policyholder" is deemed to be replaced with "mutual insurance policyholder"; the term "certificate of automobile liability insurance" is deemed to be replaced with "certificate of mutual automobile liability insurance"; the term "insurance sticker" is deemed to be replaced with "mutual insurance sticker"; the term "coverage period" is deemed to be replaced with "period of coverage under mutual insurance"; the phrase "Article 22, paragraph (3) or (4)" in Article 7, paragraph (3) is deemed to be replaced with "Article 22, paragraph (3) or (4) as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)"; the term "liability insurance" in paragraph (6) of that Article is deemed to be replaced with "mutual liability insurance"; and the phrase "Article 7, paragraph (1)" in Article 9-2, paragraph (1) is deemed to be replaced with "Article 7, paragraph (1) as applied mutatis mutandis pursuant to Article 9-4".

第九条の五責任共済の契約が締結されている自動車に係る第八条及び第九条の規定の適用については、第八条（見出しを含む。）、第九条の見出し並びに同条第一項から第三項まで及び第五項から第八項までの規定中「自動車損害賠償責任保険証明書」とあるのは「自動車損害賠償責任共済証明書」と、第八条中「前条第二項」とあるのは「第九条の四において準用する第七条第二項」と、第九条第二項中「保険会社」とあるのは「組合」と、同条第五項、第七項及び第八項中「保険期間」とあるのは「共済期間」とする。

Article 9-5(1)To apply Articles 8 and 9 to an automobile for which a contract for mutual liability insurance has been concluded, the term "certificate of automobile liability insurance " in Article 8 (including the heading), the heading of Article 9, and paragraphs (1) through (3) and paragraphs (5) through (8) of that Article is deemed to be replaced with "certificate of mutual automobile liability insurance "; the phrase "paragraph (2) of the preceding Article" in Article 8 is deemed to be replaced with "Article 7, paragraph (2) as applied mutatis mutandis pursuant to Article 9-4"; the term "Insurer" in Article 9, paragraph (2) is deemed to be replaced with "cooperative"; and the term "coverage period" in paragraphs (5), (7), and (8) of that Article is deemed to be replaced with "period of coverage under mutual insurance".

２責任共済の契約が締結されている検査対象外軽自動車、原動機付自転車及び締約国登録自動車に係る第九条の三第一項の規定の適用については、同項中「保険標章」とあるのは、「共済標章」とする。

(2)To apply Article 9-3, paragraph (1) to a light motor vehicle not subject to inspection, motorized bicycle, or automobile registered in a contracting state for which a contract for mutual liability insurance has been concluded, the term "insurance sticker" in that paragraph is deemed to be replaced with "mutual insurance sticker".

３第九条の三第二項及び第三項の規定は、共済標章について準用する。

(3)Article 9-3, paragraphs (2) and (3) apply mutatis mutandis to mutual insurance stickers.

第十条第五条及び第七条から前条までの規定は、国その他の政令で定める者が政令で定める業務又は用途のため運行の用に供する自動車及び道路（道路法（昭和二十七年法律第百八十号）による道路、道路運送法（昭和二十六年法律第百八十三号）による自動車道及びその他の一般交通の用に供する場所をいう。以下同じ。）以外の場所のみにおいて運行の用に供する自動車については、適用しない。

Article 10Article 5, and Article 7 through the preceding Article do not apply to automobiles put into operational use by the State or any other person that Cabinet Order prescribes, for the activities or purposes that Cabinet Order prescribes; nor do they apply to automobiles put into operational use only in places other than roads (meaning places made accessible to general traffic, including roads as defined in the Road Act (Act No. 180 of 1952) and motorways as defined in the Road Transportation Act (Act No. 183 of 1951); the same applies hereinafter).

第十条の二国土交通大臣は、国土交通省令で定めるところにより、前条の規定の適用を受ける検査対象外軽自動車及び原動機付自転車（政令で定めるもの及び道路以外の場所のみにおいて運行の用に供するものを除く。）について、保有者に対して保険・共済除外標章を交付しなければならない。

Article 10-2(1)The Minister of Land, Infrastructure, Transport and Tourism must issue an insurance/mutual insurance exemption sticker to a person in possession of a light motor vehicle not subject to inspection and to which the preceding Article applies, or of a motorized bicycle (other than one as prescribed by Cabinet Order or one that is put into operational use only in places other than roads), pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism.

２保険・共済除外標章の有効期間は、国土交通省令で定める。

(2)Order of the Ministry of Land, Infrastructure, Transport and Tourism prescribes the valid period for an insurance/mutual insurance exemption sticker.

３第一項に規定する検査対象外軽自動車及び原動機付自転車は、国土交通省令で定めるところにより、保険・共済除外標章を表示しなければ、運行の用に供してはならない。

(3)It is prohibited to put a light motor vehicle not subject to inspection or motorized bicycle as prescribed in paragraph (1) into operational use unless it displays an insurance/mutual insurance exemption sticker pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism.

４第九条の二第四項及び第五項並びに第九条の三第二項及び第三項の規定は、保険・共済除外標章について準用する。

(4)Article 9-2, paragraphs (4) and (5) and Article 9-3, paragraphs (2) and (3) apply mutatis mutandis to insurance/mutual insurance exemption stickers.

第十一条責任保険の契約は、第三条の規定による保有者の損害賠償の責任が発生した場合において、これによる保有者の損害及び運転者もその被害者に対して損害賠償の責任を負うべきときのこれによる運転者の損害を保険会社がてん補することを約し、保険契約者が保険会社に保険料を支払うことを約することによつて、その効力を生ずる。

Article 11(1)A contract for liability insurance becomes valid when the insurer agrees that, if a person in possession becomes liable to compensate for damage as under Article 3, it will indemnify the damage that the person in possession incurs due to that liability, as well as the damage that the driver incurs due to liability in the event that the driver must also be held liable to compensate the injured party for damage; and the policyholder agrees to pay insurance premiums to the insurer.

２責任共済の契約は、第三条の規定による保有者の損害賠償の責任が発生した場合において、これによる保有者の損害及び運転者もその被害者に対して損害賠償の責任を負うべきときのこれによる運転者の損害を組合がてん補することを約し、共済契約者が組合に共済掛金を支払うことを約することによつて、その効力を生ずる。

(2)A contract for mutual liability insurance becomes valid when the cooperative agrees that, if a person in possession becomes liable to compensate for damage as under Article 3, it will indemnify the damage that the person in possession incurs due to that liability, as well as the damage that the driver incurs due to liability in the event that the driver must also be held liable to compensate the injured party for damage; and the mutual insurance policyholder agrees to pay mutual insurance premiums to the cooperative.

第十二条責任保険の契約は、自動車一両ごとに締結しなければならない。

Article 12A person must conclude a separate contract for liability insurance for each automobile.

第十三条責任保険の保険金額は、政令で定める。

Article 13(1)Cabinet Order provides for the amount of insurance coverage under liability insurance.

２前項の規定に基づき政令を制定し、又は改正する場合においては、政令で、当該政令の施行の際現に責任保険の契約が締結されている自動車についての責任保険の保険金額を当該制定又は改正による変更後の保険金額とするために必要な措置その他当該制定又は改正に伴う所要の経過措置を定めることができる。

(2)Upon the enactment or amendment of Cabinet Order based on the preceding paragraph, Cabinet Order may prescribe the necessary measures for changing the amount of insurance coverage under the liability insurance associated with an automobile insured under a contract for liability insurance that has already been concluded at the time that the Cabinet Order enters into force to the amount of insurance coverage provided for after the enactment or amendment, and may prescribe any other necessary transitional measures to coordinate with the enactment or amendment thereof.

第十四条保険会社は、第八十二条の三に規定する場合を除き、保険契約者又は被保険者の悪意によつて生じた損害についてのみ、てん補の責めを免れる。

Article 14Except as prescribed in Article 82-3, an insurer is only released from liability to indemnify damage if it arises due to the bad faith of the policyholder or the insured.

第十五条被保険者は、被害者に対する損害賠償額について自己が支払をした限度においてのみ、保険会社に対して保険金の支払を請求することができる。

Article 15The insured may file a claim with the insurer for insurance proceeds, but only to the extent of the damages that the insured has paid to the injured party.

第十六条第三条の規定による保有者の損害賠償の責任が発生したときは、被害者は、政令で定めるところにより、保険会社に対し、保険金額の限度において、損害賠償額の支払をなすべきことを請求することができる。

Article 16(1)If a person in possession becomes liable to compensate for damage as under Article 3, the injured party may file a claim with insurer for the insurer to pay the injured party damages of up to the amount of insurance coverage, pursuant to Cabinet Order.

２被保険者が被害者に損害の賠償をした場合において、保険会社が被保険者に対してその損害をてん補したときは、保険会社は、そのてん補した金額の限度において、被害者に対する前項の支払の義務を免かれる。

(2)If the insured compensates the injured party for damage and the insurer indemnifies the insured for that damage, the insurer is released, to the extent of the amount for which it has indemnified the insured, from the obligation to pay the injured party as referred to in the preceding paragraph.

３第一項の規定により保険会社が被害者に対して損害賠償額の支払をしたときは、保険契約者又は被保険者の悪意によつて損害が生じた場合を除き、保険会社が、責任保険の契約に基づき被保険者に対して損害をてん補したものとみなす。

(3)Unless damage has arisen due to the bad faith of the policyholder or the insured, if the insurer pays damages to the injured party pursuant to paragraph (1), the insurer is deemed to have indemnified the insured for damage based on the contract for liability insurance.

４保険会社は、保険契約者又は被保険者の悪意によつて損害が生じた場合において、第一項の規定により被害者に対して損害賠償額の支払をしたときは、その支払つた金額について、政府に対して補償を求めることができる。

(4)If damage has arisen due to the bad faith of the policyholder or the insured and the insurer has paid damages to the injured party pursuant to paragraph (1), the insurer may claim the government to compensate it for the amount it has paid.

第十六条の二保険会社が被保険者に対して支払うべき保険金又は前条第一項の規定により被害者に対して支払うべき損害賠償額（第二十八条の四第一項を除き、以下「保険金等」という。）のうち被害者が療養のため労働することができないことによる損害その他の政令で定める損害に係る部分は、政令で定める額を限度とする。

Article 16-2The insurance proceeds that the insurer is to pay the insured and the damages that the insurer is to pay the injured party pursuant to paragraph (1) of the preceding Article (hereinafter, except in Article 28-4, paragraph (1), referred to as "insurance proceeds and damages") to compensate for damage due to the injured party's inability to work while in recuperation or for any other damage that Cabinet Order prescribes are limited to the amount prescribed by Cabinet Order.

第十六条の三保険会社は、保険金等を支払うときは、死亡、後遺障害及び傷害の別に国土交通大臣及び内閣総理大臣が定める支払基準（以下「支払基準」という。）に従つてこれを支払わなければならない。

Article 16-3(1)An insurer must abide by the criteria for payment that the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister set (hereinafter referred to as "criteria for payment") when paying insurance proceeds and damages, and must make separate payments for death, residual disability, and injury.

２国土交通大臣及び内閣総理大臣は、前項の規定により支払基準を定める場合には、公平かつ迅速な支払の確保の必要性を勘案して、これを定めなければならない。これを変更する場合も、同様とする。

(2)When setting the criteria for payment pursuant to in the preceding paragraph, the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister must take into consideration the need to ensure fair and prompt payment. The same applies if they change the criteria for payment.

第十六条の四保険会社は、保険金等の請求があつたときは、遅滞なく、国土交通省令・内閣府令で定めるところにより、支払基準の概要その他の国土交通省令・内閣府令で定める事項を記載した書面を当該請求を行つた被保険者又は被害者に交付しなければならない。

Article 16-4(1)When a claim is filed for insurance proceeds and damages, the insurer, without delay, must deliver to the insured or injured party that has filed the claim a document giving an outline of the criteria for payment and any other information that Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order specify, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order.

２保険会社は、保険金等の支払を行つたときは、遅滞なく、国土交通省令・内閣府令で定めるところにより、支払つた保険金等の金額、後遺障害の該当する等級、当該等級に該当すると判断した理由その他の保険金等の支払に関する重要な事項であつて国土交通省令・内閣府令で定めるものを記載した書面を前項に規定する請求を行つた被保険者又は被害者に交付しなければならない。

(2)Having paid insurance proceeds and damages, an insurer, without delay, must deliver to the insured or injured party that has filed a claim as prescribed in the preceding paragraph a document detailing the amount of the insurance proceeds and damages paid, the applicable grade of residual disability, the reason for the decision that that grade is applicable, and any other material information concerning the payment of the insurance proceeds and damages that Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order specifies, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order.

３保険会社は、第三条ただし書に規定する事項の証明があつたことその他の理由により保険金等を支払わないこととしたときは、遅滞なく、国土交通省令・内閣府令で定めるところにより、支払を行わないこととした理由を記載した書面を第一項に規定する請求を行つた被保険者又は被害者に交付しなければならない。

(3)On deciding not to pay insurance proceeds and damages because there is evidence of circumstances as prescribed in the proviso to Article 3 or based on other grounds, an insurer, without delay, must deliver to the insured or injured party that has filed a claim as prescribed in paragraph (1) a document giving grounds for not paying the insurance proceeds and damages, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order.

４保険会社は、前三項の規定による書面の交付に代えて、政令で定めるところにより、被保険者又は被害者の承諾を得て、当該書面に記載すべき事項を電子情報処理組織を使用する方法その他の情報通信の技術を利用する方法であつて国土交通省令・内閣府令で定めるものにより提供することができる。この場合において、当該保険会社は、当該書面を交付したものとみなす。

(4)With the consent of the insured or the injured party and pursuant to Cabinet Order, in lieu of delivering a document as under one of the preceding three paragraphs, an insurer may use one of the means of employing an electronic data processing system or of otherwise making use of information and communications technology which Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order prescribes, to provide the relevant person with the information that it is required to give in that document. Having done so, the insurer is deemed to have delivered the relevant document.

第十六条の五保険会社は、前条第二項又は第三項の規定により書面を交付した後において、被保険者又は被害者から、国土交通省令・内閣府令で定めるところにより、書面により、保険金等の支払に関する重要な事項（同条第二項の国土交通省令・内閣府令で定める事項を除く。）であつて国土交通省令・内閣府令で定めるもの又は同条第三項に規定する支払を行わないこととした理由の詳細であつて国土交通省令・内閣府令で定めるものについて説明を求められたときは、次項前段に規定する場合を除き、国土交通省令・内閣府令で定めるところにより、当該説明を求めた者に対し、書面により、当該説明を求められた事項を説明しなければならない。ただし、当該説明を求めた者の同意があるときは、書面以外の方法により説明することができる。

Article 16-5(1)Except as prescribed in the first sentence of the next paragraph, if, after the insurer delivers a document pursuant to paragraph (2) or (3) of the preceding Article, the insured or the injured party asks the insurer, in writing and pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order, for an explanation of material information as prescribed by Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order with regard to the payment of insurance proceeds and damages (other than information as prescribed by Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order which is referred to in paragraph (2) of that Article), or for an explanation of the details prescribed by Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order with regard to its grounds for not paying the insurance proceeds and damages as prescribed in paragraph (3) of that Article, the insurer must provide a written explanation of this to the insured or injured party asking for the explanation, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order; provided, however, that the insurer may provide an explanation other than in writing if the person asking for the explanation consents.

２保険会社は、前項の規定により説明を求められた場合であつて第三者の権利利益を不当に害するおそれがあるときその他正当な理由があるときは、当該説明を求められた事項の全部又は一部について説明をしないことができる。この場合において、保険会社は、説明をしない旨及びその理由を記載した書面を当該説明を求めた者に交付しなければならない。

(2)An insurer may decide not to explain all or some of the things that it has been asked to explain pursuant to the preceding paragraph, if explaining something it has been asked to explain could do unreasonable harm to the rights and interests of a third party or if there are any other legitimate grounds for it to decide not to give an explanation. In such a case, the insurer must deliver a document indicating that it will not explain these things and giving the grounds for not explaining them to the person requesting the explanation.

３第一項の規定による説明又は前項の規定による書面の交付（次項において「説明等」という。）は、第一項の規定により説明を求められた日から起算して三十日以内にしなければならない。

(3)An insurer must give an explanation as under paragraph (1) or deliver a document as under the preceding paragraph (in the next paragraph, this is referred to as an "explanation, etc.") within 30 days, counting from the day the explanation is asked for pursuant to paragraph (1).

４保険会社は、事務処理上の困難その他正当な理由により前項に規定する期間内に説明等をすることができないときは、同項に規定する期間内に、第一項の規定により説明を求めた者に対し、書面により、前項に規定する期間内に当該説明等をすることができない理由及び当該説明等の期限を通知しなければならない。

(4)If an insurer is unable to provide an explanation ,etc. within the period prescribed in the preceding paragraph due to the difficulty of clerical processing or any other legitimate grounds, it must notify the person asking for the explanation pursuant to paragraph (1), in writing and within the period prescribed in the preceding paragraph, of the reasons it cannot provide an explanation , etc. within the period prescribed in the preceding paragraph and of the time limit by which it will provide an explanation, etc.

５保険会社は、第一項の規定による書面による説明、第二項の規定による書面の交付又は前項の規定による書面による通知（以下「書面による説明等」という。）に代えて、政令で定めるところにより、被保険者又は被害者の承諾を得て、当該書面に記載すべき事項を電子情報処理組織を使用する方法その他の情報通信の技術を利用する方法であつて国土交通省令・内閣府令で定めるものにより提供することができる。この場合において、当該保険会社は、書面による説明等を行つたものとみなす。

(5)With the consent of the insured or the injured party and pursuant to Cabinet Order, in lieu of delivering a document as under paragraph (2) or notifying a person in writing as under the preceding paragraph (hereinafter referred to as providing a "written explanation , etc."), an insurer may use one of the means of employing an electronic data processing system or of otherwise making use of information and communications technology which Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order prescribe, to provide the relevant person with the information that it is required to give in the document. Having done so, the insurer is deemed to have provided a written explanation ,etc.

第十六条の六保険会社は、保険金等の支払の適正化を図る必要性が特に高いものとして国土交通省令で定める死亡その他の損害に関し、保険金等を支払つたとき又は第十六条の四第三項の規定による書面の交付をしたときは、遅滞なく、国土交通省令で定めるところにより、その旨を国土交通大臣に届け出なければならない。

Article 16-6Having paid insurance proceeds and damages or delivered a document under Article 16-4, paragraph (3) in connection with a death or other damage that Order of the Ministry of Land, Infrastructure, Transport and Tourism prescribes as giving rise to an especially high necessity for the insurer to properly pay insurance proceeds and damages, the insurer must report this to the Minister of Land, Infrastructure, Transport and Tourism without delay, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism.

第十六条の七被保険者又は被害者は、保険会社による保険金等の支払又は支払に係る手続に関し、次のいずれかに該当する事実があるときは、国土交通大臣に対し、その事実を申し出ることができる。

Article 16-7If one of the following facts is true of an insurer's payment or payment procedures for insurance proceeds and damages, the insured or the injured party may notify the Minister of Land, Infrastructure, Transport and Tourism of that fact:

第十六条の八国土交通大臣は、第十六条の六の規定による届出があつた場合、前条の規定による申出があつた場合その他の場合において、保険会社による保険金等の支払又は支払に係る手続が同条各号のいずれかに該当すると認めるときは、当該保険会社に対し、支払基準に従つた支払、第十六条の四第一項から第三項までの規定による書面の交付又は第十六条の五第一項の規定による説明、同条第二項の規定による書面の交付若しくは同条第四項の規定による通知をすべき旨の指示をするものとする。

Article 16-8(1)Having received a report as under Article 16-6, having been notified as under the preceding Article, or in any other case, on finding that the insurer's payment or payment procedures for insurance proceeds and damages fall under one of the items of the preceding Article, the Minister of Land, Infrastructure, Transport and Tourism must instruct the insurer to make a payment in accordance with the criteria for payment; to deliver a document as under Article 16-4, paragraphs (1) through (3); or to provide an explanation as under Article 16-5, paragraph (1), deliver a document as under paragraph (2) of that Article, or give notice as under paragraph (4) of that Article.

２国土交通大臣は、前項に規定する指示を行つたときは、遅滞なく、内閣総理大臣にその旨を通知しなければならない。

(2)Having given the instructions prescribed in the preceding paragraph, the Minister of Land, Infrastructure, Transport and Tourism must notify the Prime Minister of this without delay.

３国土交通大臣は、第一項に規定する指示を受けた保険会社が、正当な理由がなくてその指示に従わなかつたときは、その旨を公表することができる。

(3)If an insurer that has been instructed to do as prescribed in paragraph (1) fails to do as instructed and is without a legitimate reason for failing to do so, the Minister of Land, Infrastructure, Transport and Tourism may disclose this to the public.

４国土交通大臣は、第一項に規定する指示を受けた保険会社が、前項の規定によりその指示に従わなかつた旨を公表された後において、なお、正当な理由がなくてその指示に係る措置をとらなかつたときは、当該保険会社に対し、その指示に係る措置をとるべきことを命ずることができる。

(4)If, after its failure to do as instructed has been disclosed to the public pursuant to the preceding paragraph, an insurer that has been instructed to do as prescribed in paragraph (1) fails to take measures to abide by the instructions and is without a legitimate reason for failing to do so, the Minister of Land, Infrastructure, Transport and Tourism may order the insurer to take measures to abide by the instructions.

５国土交通大臣は、第三項に規定する公表又は前項に規定する命令を行おうとするときは、あらかじめ、内閣総理大臣の同意を得るものとする。

(5)The Minister of Land, Infrastructure, Transport and Tourism must first gain the consent of the Prime Minister before making a public disclosure as prescribed in paragraph (3) or giving an order as prescribed in the preceding paragraph.

第十六条の九保険会社は、第十六条第一項の規定による損害賠償額の支払の請求があつた後、当該請求に係る自動車の運行による事故及び当該損害賠償額の確認をするために必要な期間が経過するまでは、遅滞の責任を負わない。

Article 16-9(1)An insurer is not liable for delays following receipt of a claim for the payment of damages under Article 16, paragraph (1), until the necessary period of time has passed to look into the accident caused by the operation of the automobile subject to the claim and verify the damages.

２保険会社が前項に規定する確認をするために必要な調査を行うに当たり、被害者が正当な理由なく当該調査を妨げ、又はこれに応じなかつた場合には、保険会社は、これにより損害賠償額の支払を遅延した期間について、遅滞の責任を負わない。

(2)When an insurer is conducting the necessary investigations to look into an accident as prescribed in the preceding paragraph, if an injured party, without a legitimate reason, interferes or fails to comply with the investigation, the insurer is not liable for delays that arise during the period that the payment of damages is delayed due to the interference or failure to comply.

第十七条保有者が、責任保険の契約に係る自動車の運行によつて他人の生命又は身体を害したときは、被害者は、政令で定めるところにより、保険会社に対し、政令で定める金額を第十六条第一項の規定による損害賠償額の支払のための仮渡金として支払うべきことを請求することができる。

Article 17(1)If the death or bodily injury of another person results from a person in possession's operation of an automobile covered by a contract for liability insurance, the injured party, pursuant to Cabinet Order, may file a claim with the insurer for it to pay the injured party the amount that Cabinet Order prescribes as a provisional payout to pay damages under Article 16, paragraph (1).

２保険会社は、前項の請求があつたときは、遅滞なく、請求に係る金額を支払わなければならない。

(2)On receipt of a claim as referred to in the preceding paragraph, an insurer must pay the amount of money subject to the claim without delay.

３保険会社は、第一項の仮渡金の金額が支払うべき損害賠償額を超えた場合には、その超えた金額の返還を請求することができる。

(3)If the amount of a provisional payout as referred to in paragraph (1) exceeds the damages to be paid, an insurer may demand the return of the part in excess.

４保険会社は、保有者の損害賠償の責任が発生しなかつた場合において、第一項の仮渡金を支払つたときは、その支払つた金額について、政府に対して補償を求めることができる。

(4)If an insurer makes a provisional payout referred to in paragraph (1) but the person in possession is not liable to compensate for damage, the insurer may ask the government to compensate it for the amount it has paid.

第十八条第十六条第一項及び前条第一項の規定による請求権は、差し押えることができない。

Article 18The right to file a claim under Article 16, paragraph (1) or paragraph (1) of the preceding Article may not be attached.

第十九条第十六条第一項及び第十七条第一項の規定による請求権は、三年を経過したときは、時効によつて消滅する。

Article 19The right to file a claim under Article 16, paragraph (1) or Article 17, paragraph (1) is extinguished by prescription once three years have passed.

第二十条保険法第四条に規定する重要な事項は、責任保険の契約にあつては、次のとおりとする。

Article 20As regards a contract for liability insurance, the material information provided for in Article 4 of the Insurance Act is as follows:

第二十条の二責任保険の契約の当事者は、次に掲げる場合に限り、責任保険の契約を解除することができる。

Article 20-2(1)The parties to a contract for liability insurance may cancel that contract only:

２責任保険の契約の当事者は、その契約を合意により解除し、又はその契約に解除条件を附することができない。

(2)The parties to a contract for liability insurance may not cancel that contract by mutual agreement, nor subject the contract to a condition subsequent.

第二十一条保険法第二十八条第一項の規定により、保険会社が責任保険の契約を解除したときは、その解除は、保険契約者が解除の通知を受けた日から起算して七日の後に、その効力を生ずる。

Article 21(1)If an insurer rescinds a contract for liability insurance pursuant to Article 28, paragraph (1) of the Insurance Act, the rescission takes effect after seven days, counting from the day that the policyholder is notified of the rescission.

２前項の解除の効力が生ずる日前に保険事故（保険法第五条第一項に規定する保険事故をいう。次条第三項において同じ。）が発生した場合には、同法第三十一条第二項第一号の規定にかかわらず、保険会社は、損害をてん補する責任を負う。この場合において、保険会社が損害をてん補したときは、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。

(2)Notwithstanding Article 31, paragraph (2), item (i) of the Insurance Act, if any insured event (meaning an insured event provided for in Article 5, paragraph (1) of the Insurance Act; the same applies in paragraph (3) of the following Article) occurs before the day that a rescission as referred to in the preceding paragraph takes effect, the insurer is liable to indemnify for the damage. If an insurer provides an indemnity for damage in such a case, it may require the policyholder to pay the amount of that indemnity.

第二十二条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。

Article 22(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.

２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。

(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.

３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。

(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.

４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。

(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.

５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。

(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.

第二十三条責任保険の契約については、この法律に別段の定めがある場合を除くほか、保険法第一章、第二章（第五節を除く。）及び第五章の規定による。

Article 23Except as otherwise provided for in this Act, Chapters I, II (other than Section 5), and V of the Insurance Act apply to contracts for liability insurance.

第二十三条の二国土交通大臣は、第十一条から前条までの規定の施行に必要な限度において、国土交通省令で定めるところにより、保険会社に対し、責任保険の業務に関し報告をさせ、又はその職員に、保険会社の営業所、事務所その他の施設に立ち入り、責任保険の業務の状況若しくは帳簿、書類その他の物件を検査させ、若しくは関係者に質問させることができる。

Article 23-2(1)The Minister of Land, Infrastructure, Transport and Tourism, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism, may have an insurer report on liability insurance services, and may have the relevant officials enter the insurer's place of business, offices, and other facilities to inspect the state of its liability insurance services or its books and documents and other items or to question the relevant persons, within the limits of what is necessary for implementing Article 11 through the preceding Article.

２前項の規定により立入検査又は質問をする職員は、その身分を示す証明書を携帯し、関係者の請求があつたときは、これを提示しなければならない。

(2)An official who conducts an on-site inspection or inquiry pursuant to the preceding paragraph must carry identification and present it at the request of the relevant persons.

３第一項に規定する立入検査又は質問の権限は、犯罪捜査のために認められたものと解釈してはならない。

(3)The authority to conduct an on-site inspection or inquiry as prescribed in paragraph (1) must not be interpreted as having being accorded for the purpose of a criminal investigation.

第二十三条の三第十二条から前条までの規定は、責任共済の契約について準用する。この場合において、これらの規定（第二十条の二第一項第三号を除く。）中「責任保険の契約」とあるのは「責任共済の契約」と、「責任保険」とあるのは「責任共済」と、「保険金額」とあるのは「共済金額」と、「保険会社」とあるのは「組合」と、「保険契約者」とあるのは「共済契約者」と、「被保険者」とあるのは「被共済者」と、「保険金」とあるのは「共済金」と、「保険金等」とあるのは「共済金等」と、「保険期間」とあるのは「共済期間」と、「保険料」とあるのは「共済掛金」と、第十六条の二中「前条第一項」とあるのは「第二十三条の三第一項において準用する第十六条第一項」と、「第二十八条の四第一項を除き、以下」とあるのは「以下」と、第十六条の五第一項中「前条第二項又は第三項」とあるのは「第二十三条の三第一項において準用する第十六条の四第二項又は第三項」と、第十六条の六中「第十六条の四第三項」とあるのは「第二十三条の三第一項において準用する第十六条の四第三項」と、第十六条の七第二号及び第十六条の八第一項中「第十六条の四第一項から第三項まで」とあるのは「第二十三条の三第一項において準用する第十六条の四第一項から第三項まで」と、第十六条の七第三号及び第十六条の八第一項中「第十六条の五第一項」とあるのは「第二十三条の三第一項において準用する第十六条の五第一項」と、第十六条の八第一項中「第十六条の六」とあるのは「第二十三条の三第一項において準用する第十六条の六」と、「前条」とあるのは「第二十三条の三第一項において準用する第十六条の七」と、第十六条の八第二項及び第五項中「内閣総理大臣」とあるのは「行政庁（農業協同組合等に係るものを行う場合にあつては第二十七条第一項に規定する行政庁とし、消費生活協同組合等に係るものを行う場合にあつては第二十七条の二第一項において読み替えて準用する第二十七条第一項に規定する行政庁とし、事業協同組合等に係るものを行う場合にあつては第二十七条の二第二項において読み替えて準用する第二十七条第一項に規定する行政庁とする。）」と、第十七条第一項中「第十六条第一項」とあるのは「第二十三条の三第一項において準用する第十六条第一項」と、第十八条中「第十六条第一項及び前条第一項」とあり、及び第十九条中「第十六条第一項及び第十七条第一項」とあるのは「第二十三条の三第一項において準用する第十六条第一項及び第十七条第一項」と、第二十条の二第一項第三号中「責任保険の契約の保険期間」とあるのは「責任共済の契約の共済期間」と読み替えるものとする。

Article 23-3(1)Article 12 through the preceding Article apply mutatis mutandis to contracts for mutual liability insurance. In such a case, in those Articles (other than in Article 20-2, paragraph (1), item (iii)), the term "contract for liability insurance" is deemed to be replaced with "contract for mutual liability insurance"; the term "liability insurance" is deemed to be replaced with "mutual liability insurance"; the term "amount of insurance coverage" is deemed to be replaced with "amount of mutual insurance coverage"; the term "insurer" is deemed to be replaced with "Cooperative"; the term "policyholder" is deemed to be replaced with "mutual insurance policyholder"; the term "insured" is deemed to be replaced with "person covered under mutual insurance"; the term "insurance proceeds" is deemed to be replaced with "mutual insurance proceeds"; the term "insurance proceeds and damages" is deemed to be replaced with "mutual insurance proceeds and damages"; the term "coverage period" is deemed to be replaced with "period of coverage under mutual insurance"; the term "insurance premium" is deemed to be replaced with "mutual insurance premium"; the phrase "paragraph (1) of the preceding Article" in Article 16-2 is deemed to be replaced with "Article 16, paragraph (1), as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)"; the phrase "(hereinafter, except in Article 28-4, paragraph (1), referred to as" in Article 16-2 is deemed to be replaced with "(hereinafter referred to as"; the phrase "paragraph (2) or (3) of the preceding Article" in Article 16-5, paragraph (1) is deemed to be replaced with "Article 16-4, paragraph (2) or (3) as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)"; the phrase "Article 16-4, paragraph (3)" in Article 16-6 is deemed to be replaced with "Article 16-4, paragraph (3) as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)"; the phrase "Article 16-4, paragraphs (1) through (3)" in Article 16-7, item (ii) and Article 16-8, paragraph (1) is deemed to be replaced with "Article 16-4, paragraphs (1) through (3) as applied mutatis mutandis pursuant to Article 23-3, paragraph (1); the phrase "Article 16-5, paragraph (1)" in Article 16-7, item (iii) and Article 16-8, paragraph (1) is deemed to be replaced with "Article 16-5, paragraph (1) as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)"; the phrase "Article 16-6" in Article 16-8, paragraph (1) is deemed to be replaced with "Article 16-6 as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)"; the phrase "the preceding Article" in the Article 16-8, paragraph (1) is deemed to be replaced with "Article 16-7 as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)"; the term "the Prime Minister" in Article 16-8, paragraphs (2) and (5) is deemed to be replaced with "an administrative agency (meaning an administrative agency as prescribed in Article 27, paragraph (1), if this agency is connected with an agricultural cooperative, etc.; meaning an administrative agency as prescribed in Article 27, paragraph (1) as applied mutatis mutandis following a replacement of terms pursuant to Article 27-2, paragraph (1), if this agency is connected with a consumer cooperative, etc. ; and meaning an administrative agency as prescribed in Article 27, paragraph (1) as applied mutatis mutandis following a replacement of terms pursuant to Article 27-2, paragraph (2), if this agency is connected with a business cooperative, etc.)"; the phrase "Article 16, paragraph (1)" in Article 17, paragraph (1) is deemed to be replaced with "Article 16, paragraph (1) as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)"; the phrases "Article 16, paragraph (1) and paragraph (1) of the preceding Article" in Article 18 and "Article 16, paragraph (1) and Article 17, paragraph (1)" in Article 19 are deemed to be replaced with "Article 16, paragraph (1) and Article 17, paragraph (1) as applied mutatis mutandis pursuant to Article 23-3, paragraph (1)"; and the phrase "coverage period of the contract for liability insurance that would be canceled" in Article 20-2, paragraph (1), item (iii) is deemed to be replaced with "coverage period of the contract for mutual liability insurance that would be canceled".

２国土交通大臣及び内閣総理大臣は、前項において準用する第十六条の三第一項に規定する支払基準を定め、又は変更しようとするとき並びに前項において準用する第十六条の四並びに同項において準用する第十六条の五第一項及び第五項に規定する国土交通省令・内閣府令を制定し、又は変更しようとするときは、あらかじめ、農林水産大臣、厚生労働大臣及び事業協同組合等の定款において組合員の資格として定められる事業の所管大臣（以下「事業所管大臣」という。）に協議するものとする。

(2)Before setting or amending the criteria for payment prescribed in Article 16-3, paragraph (1) as applied mutatis mutandis pursuant to the preceding paragraph and before enacting or amending Order of the Ministry of Land, Infrastructure, Transport and Tourism or Cabinet Office Order prescribed in Article 16-4 as applied mutatis mutandis pursuant to the preceding paragraph and Article 16-5, paragraphs (1) and (5) as applied mutatis mutandis pursuant to the preceding paragraph, the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister must first consult with the Minister of Agriculture, Forestry and Fisheries; the Minister of Health, Labour and Welfare; and the minister with administrative jurisdiction over the business prescribed in the business cooperative, etc.'s articles of incorporation as qualifying a person to be a member (hereinafter referred to as the "competent Minister for the business").

第二十三条の四削除

Article 23-4Deleted

第二十三条の五国土交通大臣及び内閣総理大臣は、保険金等又は共済金等の支払に係る紛争の公正かつ適確な解決による被害者の保護を図ることを目的とする一般社団法人又は一般財団法人であつて、次条第一項に規定する業務（以下「紛争処理業務」という。）に関し次に掲げる基準に適合すると認められるものを、その申請により、紛争処理業務を行う者として指定することができる。

Article 23-5(1)At the application of a general incorporated association or general incorporated foundation whose purpose is to protect injured parties through the fair and precise settlement of disputes related to the payment of insurance proceeds and damages or mutual insurance proceeds and damages, and that is found to satisfy the following criteria as concerns dispute resolution services prescribed in paragraph (1) of the following Article (hereinafter referred to as "dispute resolution services"), the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister may designate that association or foundation as a person that provides dispute resolution services:

２国土交通大臣及び内閣総理大臣は、前項の規定による指定（以下「指定」という。）をしたときは、その指定した者（以下「指定紛争処理機関」という。）の名称及び住所、紛争処理業務を行う事務所の所在地並びに紛争処理業務を開始する日を公示しなければならない。

(2)Once the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister make a designation as under the preceding paragraph (hereinafter referred to as a "designation"), they must issue public notice of the name and address of the person they have designated (hereinafter referred to as the "designated dispute resolution organization"), the location of the office where the organization will perform dispute resolution services, and the start date of the dispute resolution services.

３指定紛争処理機関は、その名称若しくは住所又は紛争処理業務を行う事務所の所在地を変更しようとするときは、変更しようとする日の二週間前までに、その旨及びこれらの事項を変更しようとする日を国土交通大臣及び内閣総理大臣に届け出なければならない。

(3)Before changing its name or address or the location of the office where it performs dispute resolution services, a designated dispute resolution organization must notify the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister of this, indicating the date on which it plans to change these things, by two weeks prior to the date it plans to change them.

４国土交通大臣及び内閣総理大臣は、前項の規定による届出があつたときは、当該届出に係る事項を公示しなければならない。

(4)If a designated dispute resolution organization notifies the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister as under the preceding paragraph, the Ministers must issue public notice of the information of which they have been notified.

５指定紛争処理機関は、国土交通省令・内閣府令で定めるところにより、指定紛争処理機関である旨を、その事務所において公衆に見やすいように掲示しなければならない。

(5)A designated dispute resolution organization must post a notice indicating that it is a designated dispute resolution body at its offices in such a way as to make the notice easily visible to the public, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order.

第二十三条の六指定紛争処理機関は、次に掲げる業務を行うものとする。

Article 23-6(1)A designated dispute resolution organization is to engage in the following services:

２前項第一号の申請の手続は、国土交通省令・内閣府令で定める。

(2)Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order prescribe the process for filing a petition as referred to in item (i) of the preceding paragraph.

第二十三条の七指定紛争処理機関は、人格が高潔で識見の高い者のうちから、国土交通省令・内閣府令で定める数以上の紛争処理委員を選任しなければならない。

Article 23-7(1)A designated dispute resolution organization must appoint, from among persons of great integrity of character and insight, at least the number of dispute resolution members that Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order prescribe.

２指定紛争処理機関は、紛争処理を行うときは、前項の規定により選任した紛争処理委員のうちから、事件ごとに、指定紛争処理機関の長が指名する者に紛争処理を実施させなければならない。この場合において、指定紛争処理機関の長は、当該事件に関し当事者と利害関係を有することその他紛争処理の公正を妨げるべき事情がある紛争処理委員については、当該事件の紛争処理委員に指名してはならない。

(2)When resolving disputes, a designated dispute resolution organization must have dispute resolution implemented by the dispute resolution members appointed pursuant to the preceding paragraph that the head of the designated dispute resolution organization assigns for each case. In such a case, the head of the designated dispute resolution organization must not assign a dispute resolution member to a case if that official is related to a party to the case in a way that makes the member an interested person, or if there are any other circumstances that might interfere with the fairness of dispute resolution.

３前項の規定により指名される紛争処理委員のうち少なくとも一人は、弁護士でなければならない。

(3)Of the dispute resolution members assigned pursuant to the preceding paragraph, at least one must be an attorney.

第二十三条の八紛争処理業務に従事する指定紛争処理機関の役員（紛争処理委員を含む。次項及び次条において同じ。）の選任及び解任は、国土交通大臣及び内閣総理大臣の認可を受けなければ、その効力を生じない。

Article 23-8(1)The appointment or dismissal of an officer (or dispute resolution official; the same applies in the following paragraph and the following Article) of a designated dispute resolution organization who is engaged in providing dispute resolution services does not take effect without the authorization of the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister.

２国土交通大臣及び内閣総理大臣は、指定紛争処理機関の役員が、第二十三条の十一第一項の認可を受けた紛争処理業務規程に違反したとき、紛争処理業務に関し著しく不適当な行為をしたとき、又はその在任により指定紛争処理機関が第二十三条の五第一項第三号に掲げる基準に適合しなくなつたときは、指定紛争処理機関に対し、その役員を解任すべきことを命ずることができる。

(2)If the officer of a designated dispute resolution organization violates the dispute resolution services rules that have been approved as referred to in Article 23-11, paragraph (1) or engages in extremely inappropriate conduct in connection with dispute resolution services, or if the officer's continuation in office causes the designated dispute resolution organization to no longer satisfy the criteria set forth in Article 23-5, paragraph (1), item (iii), the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister may order the designated dispute resolution organization to dismiss the officer.

第二十三条の九指定紛争処理機関の役員及び職員並びにこれらの職にあつた者は、紛争処理業務に関して知り得た秘密を漏らし、又は自己の利益のために使用してはならない。

Article 23-9(1)It is prohibited for a current or former officer or personnel of an designated dispute resolution organization to divulge confidential information learned in the course of dispute resolution services or to use the information for personal gain.

２指定紛争処理機関の役員及び職員で紛争処理業務に従事する者は、刑法（明治四十年法律第四十五号）その他の罰則の適用については、法令により公務に従事する職員とみなす。

(2)As concerns the application of the Penal Code (Act No. 45 of 1907) and other penal provisions, officers and personnel of a designated dispute resolution organization who are engaged in providing dispute resolution services are deemed to be officials engaged in public service pursuant to laws and regulations.

第二十三条の十指定紛争処理機関は、紛争処理業務を行うべきことを求められたときは、正当な理由がある場合を除き、遅滞なく、紛争処理業務を行わなければならない。

Article 23-10If a designated dispute resolution organization is asked to provide dispute resolution services, it must provide dispute resolution services without delay unless it has a legitimate reason not to do so.

第二十三条の十一指定紛争処理機関は、紛争処理業務に関する規程（以下「紛争処理業務規程」という。）を定め、国土交通大臣及び内閣総理大臣の認可を受けなければならない。これを変更しようとするときも、同様とする。

Article 23-11(1)A designated dispute resolution organization must establish rules for dispute resolution services (hereinafter referred to as "dispute resolution services rules") and get them approved by the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister. The same applies if the organization seeks to amend those Rules.

２紛争処理業務規程で定めるべき事項は、国土交通省令・内閣府令で定める。

(2)Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order provide for the particulars that must be prescribed in the dispute resolution services rules.

３国土交通大臣及び内閣総理大臣は、第一項の認可をした紛争処理業務規程が紛争処理業務の公正かつ適確な実施上不適当となつたと認めるときは、その紛争処理業務規程を変更すべきことを命ずることができる。

(3)If the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister find that the dispute resolution services rules they have approved as referred to in paragraph (1) have become inappropriate to allow for the fair and reliable implementation of dispute resolution services, they may order that those rules be amended.

第二十三条の十二指定紛争処理機関は、紛争処理業務の実施に必要な限度において、保険会社又は組合に対して、文書若しくは口頭による説明又は資料の提出を求めることができる。

Article 23-12(1)A designated dispute resolution organization may ask an insurer or cooperative to give a written or oral explanation or to submit materials, within the limits of what is necessary to implement dispute resolution services.

２保険会社又は組合は、前項の規定による求めがあつたときは、正当な理由がない限り、これを拒んではならない。

(2)It is prohibited for an insurer or cooperative to refuse a request under the preceding paragraph without a legitimate reason for doing so.

第二十三条の十三指定紛争処理機関が行う紛争処理の手続は、公開しない。ただし、指定紛争処理機関は、相当と認める者に傍聴を許すことができる。

Article 23-13The dispute resolution procedures performed by a designated dispute resolution organization are not open to the public; provided, however, that the designated dispute resolution organization may permit persons it finds to be appropriate to be present as silent observers.

第二十三条の十四指定紛争処理機関は、毎事業年度、国土交通省令・内閣府令で定めるところにより、紛争処理業務に係る事業計画及び収支予算を作成し、当該事業年度の開始前に（指定を受けた日の属する事業年度にあつては、その指定を受けた後遅滞なく）、国土交通大臣及び内閣総理大臣の認可を受けなければならない。これを変更しようとするときも、同様とする。

Article 23-14(1)A designated dispute resolution organization must prepare an operational plan and income and expenditures budget for dispute resolution services every business year, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order, and get them approved by the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister before the relevant business year begins (and without delay after designation in the business year that includes the day on which the organization is designated). The same applies if the organization seeks to amend either of these.

２指定紛争処理機関は、毎事業年度、国土交通省令・内閣府令で定めるところにより、紛争処理業務に係る事業報告書及び収支決算書を作成し、当該事業年度経過後三月以内に、国土交通大臣及び内閣総理大臣に提出しなければならない。

(2)A designated dispute resolution organization must prepare an operating report and settlement of income and expenditures for dispute resolution services every business year, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order, and submit them to the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister within three months after the end of the relevant business year.

第二十三条の十五指定紛争処理機関は、国土交通大臣及び内閣総理大臣の許可を受けなければ、紛争処理業務の全部又は一部を休止し、又は廃止してはならない。

Article 23-15(1)A designated dispute resolution organization must not suspend or discontinue all or part of its dispute resolution services without the permission of the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minster.

２国土交通大臣及び内閣総理大臣が前項の規定により紛争処理業務の全部の廃止を許可したときは、当該指定は、その効力を失う。

(2)If the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minster permit the discontinuance of all dispute resolution services pursuant to the preceding paragraph, the organization's designation ceases to be valid.

３国土交通大臣及び内閣総理大臣は、第一項の許可をしたときは、その旨を公示しなければならない。

(3)Having given permission as referred to in paragraph (1), the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minster must issue public notice of this.

第二十三条の十六指定紛争処理機関は、国土交通省令・内閣府令で定めるところにより、紛争処理業務に関する事項で国土交通省令・内閣府令で定めるものを記載した帳簿を備え付け、これを保存しなければならない。

Article 23-16A designated dispute resolution organization, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order, must prepare and keep on file books in which it enters the information regarding dispute resolution services that Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order prescribe.

第二十三条の十七国土交通大臣及び内閣総理大臣は、紛争処理業務の公正かつ適確な実施の確保に必要な限度において、国土交通省令・内閣府令で定めるところにより、指定紛争処理機関に対し、紛争処理業務に関し報告をさせ、又はその職員に、指定紛争処理機関の事務所に立ち入り、紛争処理業務の状況若しくは帳簿、書類その他の物件を検査させ、若しくは関係者に質問させることができる。

Article 23-17(1)The Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister, pursuant to Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order, may have a designated dispute resolution organization report on dispute resolution services, and may have the relevant officials enter the offices of a designated dispute resolution organization to inspect the state of its dispute resolution services or its books and documents and other items or to question the relevant persons, within the limits of what is necessary for ensuring the fair and reliable implementation of dispute resolution services.

２第二十三条の二第二項及び第三項の規定は、前項の規定による立入検査又は質問について準用する。

(2)Article 23-2, paragraphs (2) and (3) apply mutatis mutandis to on-site inspections and inquiry under the preceding paragraph.

第二十三条の十八国土交通大臣及び内閣総理大臣は、紛争処理業務の公正かつ適確な実施を確保するため必要があると認めるときは、指定紛争処理機関に対し、紛争処理業務に関し監督上必要な命令をすることができる。

Article 23-18On finding it to be necessary to do so in order to ensure the fair and reliable implementation of dispute resolution services, the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister may issue orders in connection with dispute resolution services as are necessary from a supervisory perspective to a designated dispute resolution organization.

第二十三条の十九国土交通大臣及び内閣総理大臣は、指定紛争処理機関が次の各号のいずれかに該当するときは、その指定を取り消し、又は期間を定めて紛争処理業務の全部若しくは一部の停止を命ずることができる。

Article 23-19(1)If a designated dispute resolution organization falls under one of the following items, the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister may revoke its designation or order the suspension of all or part of its dispute resolution services during a fixed period:

２国土交通大臣及び内閣総理大臣は、前項の規定により指定を取り消し、又は紛争処理業務の全部若しくは一部の停止を命じたときは、その旨を公示しなければならない。

(2)Having revoked a designation or ordered the suspension of all or part of dispute resolution services pursuant to the preceding paragraph, the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister must issue public notice of this.

第二十三条の二十国土交通大臣及び内閣総理大臣は、指定紛争処理機関に対し、紛争処理業務の実施に関し必要な情報及び資料の提供を行うものとする。

Article 23-20The Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister are to provide a designated dispute resolution organization with the information and materials it needs to implement dispute resolution services.

第二十三条の二十一この節に規定するもののほか、指定紛争処理機関及び紛争処理業務に関し必要な事項は、国土交通省令・内閣府令で定める。

Article 23-21Beyond what is provided for in this Section, Order of the Ministry of Land, Infrastructure, Transport and Tourism and Cabinet Office Order provide for the necessary particulars of designated dispute resolution organizations and dispute resolution services.

第二十四条保険会社は、政令で定める正当な理由がある場合を除き、責任保険の契約の締結を拒絶してはならない。

Article 24(1)An insurer must not refuse to conclude a contract for liability insurance unless it has a legitimate reason that Cabinet Order prescribes for refusing to do so.

２組合は、次の各号に掲げる場合及び政令で定める正当な理由がある場合を除き、責任共済の契約の締結を拒絶してはならない。

(2)A cooperative must not refuse to conclude a contract for mutual liability insurance unless circumstances are as set forth in the following items or unless it has a legitimate reason that Cabinet Order prescribes for refusing to do so:

第二十五条責任保険の保険料率及び責任共済の共済掛金率は、能率的な経営の下における適正な原価を償う範囲内でできる限り低いものでなければならない。

Article 25Liability insurance premium rates and mutual liability insurance premium rates must be as low as possible while covering the costs reasonably arising under efficient management.

第二十六条内閣総理大臣は、保険業法第三条第一項又は第百八十五条第一項の免許の申請があつた場合において、同法第五条第一項第四号（同法第百八十七条第五項において準用する場合を含む。以下この項において同じ。）に掲げる基準に適合するかどうかの審査を行うときは、責任保険については、同法第五条第一項第四号に掲げる基準のほか、前条の規定に適合するかどうかを審査しなければならない。

Article 26(1)When examining whether there is conformity with the criteria set forth in Article 5, paragraph (1), item (iv) of the Insurance Business Act (including as applied mutatis mutandis pursuant to Article 187, paragraph (5) of that Act; hereinafter, the same applies in this paragraph) on receipt of an application for a license as referred to in Article 3, paragraph (1) or Article 185, paragraph (1) of that Act, if the examination involves liability insurance, the Prime Minister must also examine whether there is conformity with the preceding Article beyond the criteria set forth in Article 5, paragraph (1), item (iv) of the Insurance Business Act.

２保険業法第百二十三条第一項（同法第二百七条において準用する場合を含む。）の内閣府令で定める事項には、責任保険に係る事項は、含まれないものとする。

(2)Information with regard to liability insurance is not to be included in the information prescribed by Cabinet Office Order that is referred to in Article 123, paragraph (1) of the Insurance Business Act (including as applied mutatis mutandis pursuant to Article 207 of that Act).

３内閣総理大臣は、保険業法第百二十三条第一項（同法第二百七条において準用する場合を含む。）の認可の申請があつた場合において、同法第百二十四条（同法第二百七条において準用する場合を含む。以下この項において同じ。）の審査を行うときは、責任保険の保険料率に係る事項については、同法第百二十四条第二号に定める基準のほか、前条の規定に適合するかどうかを審査しなければならない。

(3)When undertaking an examination as referred to in Article 124 of the Insurance Business Act (including as applied mutatis mutandis pursuant to Article 207 of that Act; hereinafter, the same applies in this paragraph) on receipt of an application for authorization under Article 123, paragraph (1) of that Act (including as applied mutatis mutandis pursuant to Article 207 of that Act), if the examination involves liability insurance premium rates, the Prime Minister must also examine whether there is conformity with the preceding Article, in addition to the criteria set forth in Article 124, item (ii) of the Insurance Business Act.

第二十六条の二責任保険については、損害保険料率算出団体に関する法律（昭和二十三年法律第百九十三号）第十条の二、第十条の三、第十条の四第二項及び第三項後段、第十条の五第四項並びに第十条の六第一項から第四項までの規定は、適用しない。

Article 26-2(1)Article 10-2 of the Act on Non-Life Insurance Rating Organizations (Act No. 193 of 1948) and Article 10-3; Article 10-4, paragraph (2) and the second sentence of paragraph (3); Article 10-5, paragraph (4); and Article 10-6, paragraphs (1) through (4) of that Act do not apply to liability insurance.

２責任保険についての損害保険料率算出団体に関する法律第十条の四第一項及び第三項前段の規定の適用については、同条第一項中「基準料率を中心とした一定の範囲内の保険料率（以下この条において「範囲料率」という。）」とあるのは「基準料率」と、同条第三項前段中「範囲料率」とあるのは「基準料率」と、「認可を受け、又は同条第二項の規定による届出を行つた」とあるのは「認可を受けた」とする。

(2)To apply Article 10-4, paragraph (1) and the first sentence of paragraph (3) of the Act on Non-Life Insurance Rating Organizations to liability insurance, the phrase "insurance premium rate within a certain range whose center is the standard rate (hereinafter referred to as the "range rates" in this Article)" in paragraph (1) of that Article is deemed to be replaced with "standard rate"; the term "range rates" in the first sentence of paragraph (3) of that Article is deemed to be replaced with "standard rate"; and the phrase "authorized or notified pursuant to paragraph (2) of that Article" in the that sentence is deemed to be replaced with "authorized".

３責任保険についての損害保険料率算出団体に関する法律第十条の五第一項から第三項までの規定の適用については、同条第一項中「第十条の二第一項及び第二項に規定する期間が経過し、かつ、当該基準料率が第八条の規定に適合していると認めるとき」とあるのは「当該基準料率が第八条及び自動車損害賠償保障法（昭和三十年法律第九十七号）第二十五条の規定に適合していると認めるとき」と、同条第二項中「第十条の三第一項又は第二項の規定による意見聴取及び適合性審査」とあるのは「第八条及び自動車損害賠償保障法第二十五条の規定に適合するかどうかについての審査」と、同条第三項中「基準料率が第八条の規定に適合しないと認めるとき」とあるのは「基準料率が第八条又は自動車損害賠償保障法第二十五条の規定に適合しないと認めるとき」とする。

(3)To apply Article 10-5, paragraphs (1) through (3) of the Act on Non-Life Insurance Rating Organization to liability insurance, the phrase "if the period prescribed in Article 10-2, paragraphs (1) and (2) passes and the Prime Minister finds the standard rate to conform to Article 8" in paragraph (1) of that Article is deemed to be replaced with "if the Prime Minister finds the standard rate to conform to Article 8 of this Act and to Article 25 of the Act on Securing Compensation for Automobile Accidents (Act No. 97 of 1955)"; the phrase "hearing of opinions and conformity examination under Article 10-3, paragraph (1) or (2)" in paragraph (2) of that Article is deemed to be replaced with "examination of whether there is conformity with Article 8 of this Act and Article 25 of the Act on Securing Compensation for Automobile Accidents"; and the phrase "if the Prime Minister finds the standard rate not to conform to Article 8" in paragraph (3) of that Article is deemed to be replaced with "if the Prime Minister finds the standard rate not to conform to Article 8 of this Act or Article 25 of the Act on Securing Compensation for Automobile Accidents".

第二十六条の三内閣総理大臣は、責任保険の保険料が能率的な経営の下における適正な原価を超えると認めるときは、保険会社又は損害保険料率算出団体に関する法律第二条第一項第三号に規定する損害保険料率算出団体に対して、責任保険の保険料率又は同項第六号に掲げる基準料率（第二十八条及び第二十九条の二において「基準料率」という。）の変更を命ずることができる。

Article 26-3On finding liability insurance premiums to exceed the costs that would reasonably arise under efficient management, the Prime Minister may order an insurer or a non-life insurance rating organization as prescribed in Article 2, paragraph (1), item (iii) of the Act on Non-Life Insurance Rating Organizations to change liability insurance premium rates or the standard rates set forth in item (vi) of that paragraph (referred to as "standard rates" in Articles 28 and 29-2).

第二十七条行政庁（農業協同組合法第九十八条第一項に規定する行政庁をいい、同条第十五項の規定により農林水産大臣の権限に属する事務を行うこととされた都道府県知事を含むものとする。）は、責任共済の事業（責任共済の契約によつて負う共済責任の再共済（以下「再共済」という。）の事業又は再共済の契約によつて負う再共済責任の再再共済（以下「再再共済」という。）の事業を含む。以下同じ。）を行おうとする農業協同組合等に対し、同法第十一条の十七第一項の規定により責任共済の事業についての共済規程の承認を行おうとする場合には、当該農業協同組合等が第一号及び第二号に掲げる基準に適合するかどうか並びに当該共済規程に記載された事項のうち事業の実施方法、共済契約又は共済掛金に係るものが第三号に掲げる基準に適合するかどうかを審査しなければならない。

Article 27(1)Before granting approval to an agricultural cooperative, etc. seeking to engage in the mutual liability insurance business (including the business of providing reinsurance for the mutual insurance liabilities assumed under contracts for mutual liability insurance (hereinafter referred to as "mutual reinsurance") or the business of providing retrocession for mutual reinsurance liabilities assumed under contracts for mutual reinsurance (hereinafter referred to as "mutual retrocession"); the same applies hereinafter), pursuant to Article 11-17, paragraph (1) of the Agricultural Cooperatives Act, for mutual insurance rules governing its mutual liability insurance business, an administrative agency (meaning an administrative agency as provided for in Article 98, paragraph (1) of the Agricultural Cooperatives Act, and including the prefectural governor to whom functions under the authority of the Minister of Agriculture, Forest and Fisheries are delegated pursuant to paragraph (15) of that Article) must examine whether the agricultural cooperative, etc. conforms to the criteria set forth in items (i) and (ii) and whether the particulars set forth in the mutual insurance rules with respect to its way of conducting business, mutual insurance contracts, and mutual insurance premiums conform to the criteria set forth in item (iii):

２前項に規定する行政庁は、責任共済の事業を行う農業協同組合等に対し農業協同組合法第十一条の十七第三項の規定により責任共済の事業についての共済規程の変更の承認を行おうとする場合には、共済規程に記載された事項のうち事業の実施方法、共済契約又は共済掛金に係るものが前項第三号に掲げる基準に適合するかどうかを審査しなければならない。

(2)Before granting approval to an agricultural cooperative, etc. that is engaged in the mutual liability insurance business, pursuant to Article 11-17, paragraph (3) of the Agricultural Cooperatives Act, to amend the mutual insurance rules that govern its mutual liability insurance business, an administrative agency as prescribed in the preceding paragraph must examine whether the particulars set forth in the mutual insurance rules with respect to its way of conducting business, mutual insurance contracts, and mutual insurance premiums conform to the criteria set forth in item (iii) of the preceding paragraph.

３第一項に規定する行政庁は、責任共済の共済掛金が能率的な経営の下における適正な原価を超えると認めるときは、農業協同組合等に対して、責任共済の共済掛金率の変更を命ずることができる。

(3)On finding that mutual liability insurance premiums exceed the costs that would reasonably arise under efficient management, an administrative agency as prescribed in paragraph (1) may order an agricultural cooperative, etc. to change the mutual liability insurance premium rates.

第二十七条の二前条の規定は、消費生活協同組合等が責任共済の事業を行う場合について準用する。この場合において、同条中「行政庁（農業協同組合法第九十八条第一項に規定する行政庁をいい、同条第十五項の規定により農林水産大臣の権限に属する事務を行うこととされた都道府県知事を含むものとする。）」とあるのは「行政庁（消費生活協同組合法第九十七条に規定する行政庁をいい、同法第九十七条の二の規定により厚生労働大臣の権限に属する事務を行うこととされた都道府県知事を含むものとする。）」と、「農業協同組合等」とあるのは「消費生活協同組合等」と、「同法第十一条の十七第一項の規定により責任共済の事業についての共済規程の承認」とあるのは「同法第四十条第五項の規定により責任共済の事業についての規約（以下「共済事業規約」という。）の設定の認可」と、「共済規程」とあるのは「共済事業規約」と、「農林水産省令」とあるのは「厚生労働省令」と、「農業協同組合法第十一条の十七第三項の規定により責任共済の事業についての共済規程の変更の承認」とあるのは「消費生活協同組合法第四十条第五項の規定により責任共済の事業についての共済事業規約の変更の認可」と読み替えるものとする。

Article 27-2(1)The preceding Article applies mutatis mutandis if a consumer cooperative, etc. is engaged in the mutual liability insurance business. In such a case, the phrase "an administrative agency (meaning an administrative agency as provided for in Article 98, paragraph (1) of the Agricultural Cooperatives Act, and including the prefectural governor to whom functions under the authority of the Minister of Agriculture, Forest and Fisheries are delegated pursuant to paragraph (15) of that Article)" in the preceding Article is deemed to be replaced with "an administrative agency (meaning an administrative agency as provided in Article 97 of the Consumers' Cooperatives Act, and including the prefectural governor to whom functions under the authority of the Minister of Health, Labour and Welfare are delegated pursuant to Article 97-2 of that Act)"; the term "agricultural cooperative, etc. " is deemed to be replaced with "consumer cooperative, etc."; the term "approval" is deemed to be replaced with "authorization"; the phase "pursuant to Article 11-17, paragraph (1) of the Agricultural Cooperatives Act, for mutual insurance rules that govern mutual liability insurance business" is deemed to be replaced with "pursuant to Article 40, paragraph (5) of that Act, for the establishment of bylaws governing the mutual liability insurance business (hereinafter referred to as 'mutual insurance business bylaws')"; the term "mutual insurance rules" is deemed to be replaced with "mutual insurance business bylaws"; the phrase "Order of the Ministry of Agriculture, Forestry and Fisheries" is deemed to be replaced with "Order of the Ministry of Health, Labour and Welfare"; the term "approval" is deemed to be replaced with "authorization"; and the phrase "pursuant to Article 11-17, paragraph (3) of the Agricultural Cooperatives Act, to amend the mutual insurance rules that govern its mutual liability insurance business" is deemed to be replaced with "pursuant to Article 40, paragraph (5) of the Consumers' Cooperatives Act, to amend the mutual insurance business bylaws that govern its mutual liability insurance business".

２前条の規定は、事業協同組合等が責任共済の事業を行う場合について準用する。この場合において、同条中「行政庁（農業協同組合法第九十八条第一項に規定する行政庁をいい、同条第十五項の規定により農林水産大臣の権限に属する事務を行うこととされた都道府県知事を含むものとする。）」とあるのは「行政庁（中小企業等協同組合法第百十一条第一項に規定する行政庁をいい、同条第三項の規定により主務大臣の権限に属する事務を行うこととされた都道府県知事及び同条第四項の規定により主務大臣の権限の一部を委任された地方支分部局の長を含むものとする。）」と、「農業協同組合等」とあるのは「事業協同組合等」と、「同法第十一条の十七第一項の規定により責任共済の事業についての共済規程の承認」とあるのは「同法第九条の六の二第一項（同法第九条の九第五項において準用する場合を含む。）の規定により責任共済の事業についての共済規程の認可」と、「農林水産省令」とあるのは「事業所管大臣が定める省令」と、「農業協同組合法第十一条の十七第三項の規定により責任共済の事業についての共済規程の変更の承認」とあるのは「中小企業等協同組合法第九条の六の二第四項（同法第九条の九第五項において準用する場合を含む。）の規定により責任共済の事業についての共済規程の変更の認可」と読み替えるものとする。

(2)The preceding Article applies mutatis mutandis if a business cooperative, etc. is engaged in the mutual liability insurance business. In such a case, the term "an administrative agency (meaning an administrative agency as provided for in Article 98, paragraph (1) of the Agricultural Cooperatives Act, and including the prefectural governor to whom functions under the authority of the Minister of Agriculture, Forest and Fisheries are delegated pursuant to paragraph (15) of that Article)" in the preceding Article is deemed to be replaced with "an administrative agency (meaning an administrative agency as provided for in Article 111, paragraph (1) of the Small and Medium-Sized Enterprise Cooperatives Act, and including the prefectural governor to whom functions under the authority of the competent minister are delegated pursuant to paragraph (3) of that Article and the chief officer of the local branch office to whom a part of the authority of the competent minister is delegated pursuant to paragraph (4) of that Article)"; the term "agricultural cooperative, etc." is deemed to be replaced with "business cooperative, etc."; the term "approval" is deemed to be replaced with "authorization"; the phrase "pursuant to Article 11-17, paragraph (1) of the Agricultural Cooperatives Act, for mutual insurance rules that govern mutual liability insurance business" is deemed to be replaced with "pursuant to Article 9-6-2, paragraph (1) of that Act (including as applied mutatis mutandis pursuant to Article 9-9, paragraph (5) of that Act), for mutual insurance rules that govern mutual liability insurance business"; the phrase "Order of the Ministry of Agriculture, Forestry and Fisheries" is deemed to be replaced with "order of the competent Minister for the business"; the term "approval" is deemed to be replaced with "authorization"; and the phrase "pursuant to Article 11-17, paragraph (3) of the Agricultural Cooperatives Act, to amend the mutual insurance rules that govern its mutual liability insurance business" is deemed to be replaced with "pursuant to Article 9-6-2, paragraph (4) of the Small and Medium-Sized Enterprise Cooperatives Act (including as applied mutatis mutandis pursuant to Article 9-9, paragraph (5) of that Act), to amend the mutual insurance rules that govern its mutual liability insurance business".

第二十八条内閣総理大臣は、保険業法第三条第一項又は第百八十五条第一項の免許の申請があつた場合（責任保険について、同法第五条第一項第三号及び第四号（これらの規定を同法第百八十七条第五項において準用する場合を含む。）に掲げる基準並びに第二十五条の規定に適合するかどうかについて審査する必要がある場合に限る。）において、当該免許をしようとするときは、あらかじめ、国土交通大臣の同意を得るものとする。

Article 28(1)Having received an application for a license as referred to in Article 3, paragraph (1) or Article 185, paragraph (1) of the Insurance Business Act (but only if it is necessary to examine whether liability insurance conforms to both the criteria set forth in Article 5, paragraph (1), items (iii) and (iv) of that Act (including as applied mutatis mutandis pursuant to Article 187, paragraph (5) of that Act) and to Article 25), before issuing that license, the Prime Minister must first obtain the consent of the Minister of Land, Infrastructure, Transport and Tourism to do so.

２内閣総理大臣は、保険業法第四条第二項第三号若しくは第四号又は第百八十七条第三項第三号若しくは第四号に掲げる書類に定めた事項のうち責任保険に関する部分について、同法第百二十三条第一項（同法第二百七条において準用する場合を含む。）の規定による認可又は同法第百三十一条若しくは第二百三条の規定による命令をしようとするときは、あらかじめ、国土交通大臣の同意を得るものとする。

(2)Before granting the authorization under Article 123, paragraph (1) of the Insurance Business Act (including as applied mutatis mutandis pursuant to Article 207 of that Act) or issuing an order under Article 131 or 203 of that Act with respect to a particular of the liability insurance that has been established in a document set forth in Article 4, paragraph (2), item (iii) or (iv) or Article 187, paragraph (3), item (3) or (iv) of that Act, the Prime Minister must first obtain the consent of the Minister of Land, Infrastructure, Transport and Tourism to do so.

３内閣総理大臣は、責任保険の基準料率について、損害保険料率算出団体に関する法律第九条の三第一項の規定による届出があつた場合において、第二十六条の二第三項の規定により読み替えて適用する同法第十条の五第一項の規定により同法第十条の四第一項に規定する九十日を経過する日までの期間を相当と認める期間に短縮しようとするときは、あらかじめ、国土交通大臣の同意を得るものとする。同法第十条の五第三項の規定による命令をしないこととするときについても、同様とする。

(3)Having been notified under Article 9-3, paragraph (1) of the Act on Non-Life Insurance Rating Organizations of the standard rates for liability insurance, and before shortening the period that ends on the day marking the passage of 90 days as prescribed in Article 10-4, paragraph (1) of that Act, pursuant to Article 10-5, paragraph (1) of that Act as applied following the replacement of terms pursuant to Article 26-2, paragraph (3), to a period found to be reasonable, the Prime Minister must first obtain the consent of the Minister of Land, Infrastructure, Transport and Tourism to do so. The same applies with respect to a decision not to give an order as under Article 10-5, paragraph (3) of that Act.

４内閣総理大臣は、責任保険の保険料率又は基準料率に関し、第二十六条の三の規定による変更命令又は損害保険料率算出団体に関する法律第十条の六第五項の規定による命令をしようとするときは、あらかじめ、国土交通大臣の同意を得るものとする。

(4)Before issuing an order under Article 26-3 to change the premium rates or standard rate for liability insurance or issuing an order under Article 10-6, paragraph (5) of the Act on Non-Life Insurance Rating Organizations, the Prime Minister must first obtain the consent of the Minister of Land, Infrastructure, Transport and Tourism to do so.

５内閣総理大臣は、保険会社がこの法律若しくはこの法律に基づく命令若しくはこれらに基づく処分に違反し、又は責任保険の保険約款若しくは保険料率について保険業法若しくは損害保険料率算出団体に関する法律若しくはこれらに基づく命令若しくはこれらに基づく処分に違反した場合において、保険業法第百三十三条又は第二百五条の規定による処分をしようとするときは、あらかじめ、国土交通大臣の同意を得るものとする。

(5)If an Insurer violates this Act, an order based on this Act, or a disposition based on either of these, or if an insurer violates the Insurance Business Act, the Act on Non-Life Insurance Rating Organizations, an order based on those Acts, or a disposition based on any of these, with respect to the general conditions of liability insurance or the liability insurance premium rates, the Prime Minister, before reaching a disposition under Article 133 or 205 of the Insurance Business Act, must first obtain the consent of the Minister of Land, Infrastructure, Transport and Tourism to do so.

第二十八条の二第二十七条第一項に規定する行政庁は、責任共済の事業についての共済規程のうち事業の実施方法、共済契約又は共済掛金に係るものに関し、次の各号に掲げる処分をしようとするときは、あらかじめ、国土交通大臣及び内閣総理大臣の同意を得るものとする。

Article 28-2(1)Before reaching a disposition as set forth in the following items in connection with a part of the mutual insurance rules governing a person's mutual liability insurance business that concern that person's way of conducting business, mutual insurance contracts, or mutual insurance premiums, an administrative agency as prescribed in Article 27, paragraph (1) must first obtain the consent of the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister to do so:

２前項に規定する行政庁は、責任共済の事業についての共済規程のうち事業の実施方法、共済契約又は共済掛金に係るものに関し、農業協同組合法第十一条の十七第二項の農林水産省令を制定し、又は変更しようとするときは、あらかじめ、国土交通大臣及び内閣総理大臣に協議するものとする。

(2)Before enacting or amending an Order of the Ministry of Agriculture, Forestry and Fisheries as referred to in Article 11-17, paragraph (2) of the Agricultural Cooperatives Act in connection with the part of the mutual insurance rules governing a person's mutual liability insurance business that concern that person's way of conducting business, mutual insurance contracts, or mutual insurance premiums, an administrative agency as prescribed in the preceding paragraph must first consult with the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister to do so.

３第二十七条の二第一項において読み替えて準用する第二十七条第一項に規定する行政庁は、責任共済の事業についての共済事業規約のうち事業の実施方法、共済契約又は共済掛金に係るものに関し、次の各号に掲げる処分をしようとするときは、あらかじめ、国土交通大臣及び内閣総理大臣の同意を得るものとする。

(3)Before reaching a disposition as set forth in one of the following items in connection with the part of the mutual insurance business bylaws governing a person's mutual liability insurance business that concerns that person's way of conducting business, mutual insurance contracts, or mutual insurance premiums, an administrative agency as prescribed in Article 27, paragraph (1) as applied mutatis mutandis following a replacement of terms pursuant to Article 27-2, paragraph (1), must first obtain the consent of the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister to do so:

４前項に規定する行政庁は、責任共済の事業についての共済事業規約のうち事業の実施方法、共済契約又は共済掛金に係るものに関し、消費生活協同組合法第二十六条の三第二項の規定により読み替えて適用される同条第一項の厚生労働省令を制定し、又は変更しようとするときは、あらかじめ、国土交通大臣及び内閣総理大臣に協議するものとする。

(4)Before enacting or amending an Order of the Ministry of Health, Labour and Welfare as referred to in Article 26-3, paragraph (1) of the Consumers' Cooperatives Act as applied following a replacement of terms pursuant to paragraph (2) of that Article, in connection with the part of the mutual insurance business bylaws governing a person's mutual liability insurance business that concerns that person's way of conducting business, mutual insurance contracts, or mutual insurance premiums, an administrative agency as prescribed in the preceding paragraph must first consult with the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister to do so.

５第二十七条の二第二項において読み替えて準用する第二十七条第一項に規定する行政庁は、責任共済の事業についての共済規程のうち事業の実施方法、共済契約又は共済掛金に係るものに関し、次の各号に掲げる処分をしようとするときは、あらかじめ、国土交通大臣及び内閣総理大臣の同意を得るものとする。

(5)Before reaching a disposition as set forth in one of the following items in connection with a part of the mutual insurance rules governing a person's mutual liability insurance business that concerns that person's way of conducting business, mutual insurance contracts, or mutual insurance premiums, an administrative agency as prescribed in Article 27, paragraph (1) as applied mutatis mutandis following a replacement of terms pursuant to Article 27-2, paragraph (2), must first obtain the consent of the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister to do so:

６前項に規定する行政庁は、責任共済の事業についての共済規程のうち事業の実施方法、共済契約又は共済掛金に係るものに関し、中小企業等協同組合法第九条の六の二第三項の規定により読み替えて適用する同条第二項（同法第九条の九第五項において準用する場合を含む。）の省令を制定し、又は変更しようとするときは、あらかじめ、国土交通大臣及び内閣総理大臣に協議するものとする。

(6)Before enacting or amending an Order as referred to in Article 9-6-2, paragraph (2) of the Small and Medium-Sized Enterprise Cooperatives Act as applied following a replacement of terms pursuant to paragraph (3) of that Article (including as applied mutatis mutandis pursuant to Article 9, paragraph (5) of that Act) in connection with a part the mutual insurance rules governing a person's mutual liability insurance business that concerns that person's way of conducting business, mutual insurance contracts, or mutual insurance premiums, an administrative agency as prescribed in the preceding paragraph must first consult with the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister to do so.

第二十八条の三保険会社は、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。

Article 28-3(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.

２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。

(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".

３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。

(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".

４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。

(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".

５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。

(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.

第二十八条の四保険会社及び組合（責任共済の契約の締結により負う共済責任の全部を他の組合に再共済する契約を締結した組合及び当該再共済の契約の締結により負う再共済責任の全部を他の組合に再再共済する契約を締結した組合を除く。以下この条において同じ。）は、次の各号に掲げる方法により、相互間で共同して、保険料、保険金等の計算、配分及び徴収をする事務（以下この条において「共同プール事務」という。）を行うものとする。

Article 28-4(1)Insurers and cooperatives (other than any cooperative that has entered into a mutual reinsurance agreement pursuant to which another cooperative bears all of the mutual insurance liabilities it had assumed pursuant to contracts for mutual liability insurance; and other than any cooperative that has entered into a mutual retrocession agreement pursuant to which another cooperative bears all of the mutual reinsurance liabilities it had assumed pursuant to a mutual reinsurance agreement; hereinafter the same applies in this Article) are to jointly perform the work of calculating, distributing, and collecting insurance premiums and insurance proceeds and damages among themselves (hereinafter referred to as "jointly pooled administrative processes" in this Article) as follows:

２保険会社及び組合は、配分率その他共同プール事務に関し必要な事項を定める規約を作成し、保険会社にあつては国土交通大臣及び内閣総理大臣に、組合にあつては国土交通大臣及び当該組合を所管する厚生労働大臣、農林水産大臣又は事業所管大臣に届け出なければならない。当該規約の変更をしたときも、同様とする。

(2)Insurers and cooperatives must formulate rules establishing allocation rates and other necessary particulars of the jointly pooled administrative processes; an insurer must report these rules to the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister; and a cooperative must report these rules to the Minister of Land, Infrastructure, Transport and Tourism and to whichever minister among the Minister of Health, Labour and Welfare; the Minister of Agriculture, Forestry and Fisheries; or the competent Minister for the business has jurisdiction over that cooperative. The same applies if they change those rules.

３国土交通大臣は、共同プール事務の運営状況を把握するため、その必要の限度において、保険会社又は組合に対し、当該共同プール事務に関し必要な報告又は資料の提出を求めることができる。この場合において、国土交通大臣は、あらかじめ、当該保険会社又は組合を所管する内閣総理大臣又は厚生労働大臣、農林水産大臣若しくは事業所管大臣に協議するものとする。

(3)The Minister of Land, Infrastructure, Transport and Tourism may ask an insurer or cooperative to submit the necessary reports or materials for assessing the operational status of jointly pooled administrative processes, to the extent that this is necessary. To do so, the Minister of Land, Infrastructure, Transport and Tourism is to first consult with whichever minister among the Prime Minister; the Minister of Health, Labour and Welfare; the Minister of Agriculture, Forestry and Fisheries; or the competent Minister for the business has jurisdiction over the insurer or the cooperative.

４国土交通大臣並びに内閣総理大臣、厚生労働大臣、農林水産大臣及び事業所管大臣は、第二項の規定により届出を受けた規約の内容が法令に違反し、若しくは特定の者に対して不当な差別的取扱いをするものであると認めるとき、又は共同プール事務が適正に行われていないと認めるときは、保険会社又は組合に対し、共同して、規約の変更その他必要な措置を採るべき旨を命ずることができる。

(4)On finding that the content of the rules reported pursuant to paragraph (2) violates a law or regulation or that it subjects a specific group of persons to unfairly differential treatment, or on finding that jointly pooled administrative processes are not being performed properly, the Minister of Land, Infrastructure, Transport and Tourism and the Prime Minister; the Minister of Health, Labour and Welfare; the Minister of Agriculture, Forestry and Fisheries; and the competent Minister for the business may jointly order an insurer or cooperative to amend those rules or to take other necessary measures.

第二十九条内閣総理大臣は、保険業法第百一条第一項第一号（同法第百九十九条において準用する場合を含む。）に掲げる責任保険の事業に関する共同行為に関して、同法第百二条第一項（同法第百九十九条において準用する場合を含む。）の規定による認可をしたときは、その旨を国土交通大臣に通知するものとする。

Article 29Having given authorization under Article 102, paragraph (1) of the Insurance Business Act (including as applied mutatis mutandis pursuant to Article 199 of that Act) with regard to a concerted action involved in the liability insurance business as set forth in Article 101, paragraph (1), item (i) of that Act (including as applied mutatis mutandis pursuant to Article 199 of that Act), the Prime Minister must notify the Minister of Land, Infrastructure, Transport and Tourism of this.

第二十九条の二保険会社及び組合は、内閣府令で定めるところにより、損害保険料率算出団体であつて責任保険の基準料率の算出を行うもののうち内閣総理大臣の指定するもの（次項において「料率団体」という。）に対して、損害率その他責任保険の保険料率又は責任共済の共済掛金率の算出に関し必要な事項を報告しなければならない。

Article 29-2(1)Insurers and cooperatives, pursuant to Cabinet Office Order, must report damage rates and other necessary information for calculating liability insurance premium rates and mutual liability insurance premium rates to the Non-Life Insurance Rating Organization that the Prime Minister designates from among those that calculate standard rates for liability insurance (in the following paragraph, referred to as the "rating organization") .

２組合は、料率団体に対し、責任保険の基準料率の算出の基礎となつた資料の提供を求めることができる。

(2)A cooperative may request the rating organization to provide the materials based on which the standard rates for liability insurance were calculated.

３内閣総理大臣は、第一項の内閣府令を制定し、又は変更しようとするときは、あらかじめ、国土交通大臣並びに厚生労働大臣、農林水産大臣及び事業所管大臣に協議するものとする。

(3)Before enacting or amending Cabinet Office Order as referred to in paragraph (1), the Prime Minister must first consult with the Minister of Land, Infrastructure, Transport and Tourism, as well as with the Minister of Health, Labour and Welfare; the Minister of Agriculture, Forestry and Fisheries; and the competent Minister for the business.

第三十条保険会社又は組合は、自動車運送の振興を図ることを目的として組織する団体その他の者であつて、責任保険又は責任共済の事業の円滑な遂行上適当と認められるものと責任保険又は責任共済に関する代理店契約を締結するものとする。

Article 30An insurer or cooperative is to enter into an agency agreement for liability insurance or mutual liability insurance with an organization or other person that has been established with the purpose of promoting automobile transportation and that is found to be appropriate in terms of the smooth implementation of the liability insurance or mutual liability insurance business.

第三十一条金融庁に、自動車損害賠償責任保険審議会（以下「審議会」という。）を置く。

Article 31The Council on Automobile Liability Insurance (hereinafter referred to as the "council") is established in the Financial Services Agency.

第三十二条削除

Article 32Deleted

第三十三条内閣総理大臣は、第二十八条第一項に規定する場合において同項に規定する処分をしようとするとき、又は同条第二項若しくは第四項に規定する処分をしようとするときは、審議会に諮らなければならない。同条第三項に規定する場合において、同項前段に規定する期間を短縮しようとするとき、又は同項後段に規定する命令をしないこととするときについても、同様とする。

Article 33(1)Before reaching a disposition prescribed in Article 28, paragraph (1) in a case as prescribed in that paragraph, and before reaching a disposition prescribed in paragraph (2) or (4) of that Article, the Prime Minister must consult with the council. The same applies in a case as prescribed in paragraph (3) of that Article, before the Prime Minister shortens the period prescribed in the first sentence of that paragraph or decides not to issue the order prescribed in the second sentence of that paragraph.

２内閣総理大臣は、第二十八条の二第一項、第三項又は第五項の規定による同意をしようとするときは、審議会に諮らなければならない。

(2)Before giving the consent under Article 28-2, paragraph (1), (3), or (5), the Prime Minister must consult with the council.

３審議会は、前項の規定による諮問に応じて、第二十八条の二第一項、第三項又は第五項の規定による内閣総理大臣の同意に関し調査審議する。

(3)The council accommodates consultations under the preceding paragraph by studying and deliberating on the consent of the Prime Minister under Article 28-2, paragraph (1), (3), or (5).

第三十四条削除

Article 34Deleted

第三十五条審議会の委員は、政令で定めるところにより、内閣総理大臣が国土交通大臣の同意を得て、任命する。

Article 35The members of the council are appointed by the Prime Minister with the consent of the Minister of Land, Infrastructure, Transport and Tourism, pursuant to Cabinet Order.

第三十六条から第三十八条まで削除

Articles 36 through 38Deleted

第三十九条第三十一条、第三十三条及び第三十五条に規定するもののほか、審議会の組織及び委員その他の職員その他審議会に関し必要な事項は、政令で定める。

Article 39Beyond what is provided for in Articles 31, 33, and 35, Cabinet Order provides for the organization, members, and other personnel of the council, and for any other necessary particulars concerning the council.

第四十条から第七十条まで削除

Articles 40 through 70Deleted