Told “Your Treatment Will End”?
Don’t Panic — Here’s What to Do
The insurance company saying “we will stop paying” does NOT mean your injury is healed. If you still have pain, there is a proper way to continue your treatment — and your compensation.
1What does “ending the treatment” mean?
One day, the insurance company may call or message you and say:
“We will stop paying for your treatment soon.”
In Japan this is called uchikiri (打ち切り). It only means the insurance company wants to stop paying. It does not mean your body has recovered. If you still feel pain, you have the right to continue treatment.
2The most important rule: do NOT agree on the spot
Never say “OK” or sign a settlement (jidan / 示談) on the phone. Once you settle, you basically cannot change it later — even if the pain comes back.
Just answer: “I will consult my clinic first, then reply.” Then contact us right away.
3What we do: partner lawyer & “Victim’s Claim”
When you get an uchikiri call, we immediately introduce you to our partner lawyer, and switch your case to a procedure called Victim’s Claim (higaisha seikyū / 被害者請求).
Your treatment costs and compensation are ultimately paid by the other driver’s CALI insurance (jibaiseki / 自賠責保険) — a compulsory insurance required by Japanese law. Normally the driver’s insurance company handles the payments. With Victim’s Claim, you claim directly from the CALI insurance. This is a legal right of every victim.
CALI insurance covers up to ¥1,200,000 for injuries (treatment costs, compensation, transport, etc. combined). In most cases, insurance companies try to stop much earlier — while this limit still has room left. Our partner lawyer calculates how much of the ¥1.2M is still available, so you can keep treating within that limit. During this time you also keep receiving compensation for your visits — about ¥8,600 per visit day.*
*How it is calculated: the official CALI standard is ¥4,300 per day × the number of counted days. Counted days = “actual visit days × 2” or “total treatment period”, whichever is smaller. That is why one visit often results in about ¥8,600. The exact amount depends on your case.
4The cost — and a simple simulation
To be honest with you: hiring the lawyer costs a fee of ¥140,000.* But in most cases, you still receive more than you pay. Here is an example:
| Accept the cut-off | Switch to Victim’s Claim | |
|---|---|---|
| Treatment | Ends now | e.g. 2 more months (25 visit days) |
| Extra compensation | ¥0 | 25 days × ¥8,600 = +¥215,000 |
| Lawyer fee | ¥0 | −¥140,000 |
| Difference in your pocket | ¥0 | +¥75,000 |
You receive more money and your body gets the treatment it still needs.
Even better: “Lawyer Fee Rider” (bengoshi tokuyaku / 弁護士特約) = ¥0 for you. If your car insurance — or a family member’s — includes this rider, the ¥140,000 fee is paid by the rider. Your cost becomes zero, and in the example above you keep the full +¥215,000. In many contracts, if one family member has the rider, other family members can use it too. Please check your family’s insurance papers — we will gladly check together with you.
*The fee may vary depending on the case. The lawyer will explain everything before you decide.
5The procedure is very simple — 3 steps
- Contact the lawyer (we introduce you). A power-of-attorney form (ininjō / 委任状) will be mailed to you.
- Fill in the form and write the bank account where you want to receive your compensation.
- Prepare your seal registration certificate (inkan shōmei / 印鑑証明) and send it back with the form in the return envelope. Done!
After that, just keep visiting us as usual. All negotiations and calculations are handled by the lawyer.
Don’t have a registered seal (inkan)? Some foreign residents haven’t registered one. Alternatives may be possible — just ask us, we will help you.
Got the “stop” call? Contact us first.
Don’t agree on the phone. We will guide you step by step — treatment, lawyer, and paperwork.