General flow of claiming payout of CALI

This is for when claiming payout of CALI. Insurance companies, traffic accident victims or at-fault parties can claim payout of CALI (Jibaiseki). Once you claim payout of CALI, GIROJ (General Insurance Rating Organization Japan) starts investigation on the situation of the traffic accident and the amount of damages the victim suffered.

The general flow of claiming compensation of CALI differs on who claims payout: perpetrators or victims. In the following, you can see each flow.

When a perpetrator claims payout of CALI

  1. A perpetrator pays compensation to a victim
  2. The victim gives receipt of the expenses to the perpetrator
  3. The perpetrator claims CALI's payout to an insurance company
  4. The insurance company asks for an investigation on the case to GIROJ
  5. GIROJ investigate the case, make a report and send it to the insurance company
  6. The insurance company pays CALI's premium to the perpetrator 

When a victim claims CALI's compensation

VIctim claims CALI's payout
  1. A victim claims CALI's payout to an insurance company
  2. The insurance company asks for an investigation on the case to GIROJ
  3. GIROJ inquires information of the case from the perpetrator
  4. The perpetrator answers for the inquiry
  5. GIROJ send a report to the insurance company
  6. The insurance company pays CALI's premium to the victim
 
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