{"id":49214,"date":"2026-08-19T06:52:27","date_gmt":"2026-08-18T21:52:27","guid":{"rendered":"https:\/\/kochihen.replan.ne.jp\/?p=49214"},"modified":"2026-08-19T06:52:27","modified_gmt":"2026-08-18T21:52:27","slug":"%e3%80%90%e8%bb%8a%e4%b8%a1%e4%bf%9d%e9%99%ba%e3%83%bb%e5%8a%a0%e5%85%a5%e7%8e%875%e5%89%b2%e3%80%8c%e5%a0%b1%e9%81%93%e3%80%8d%e3%81%ae%e9%81%95%e5%92%8c%e6%84%9f%e3%80%91","status":"publish","type":"post","link":"https:\/\/kochihen.replan.ne.jp\/?p=49214","title":{"rendered":"\u3010\u8eca\u4e21\u4fdd\u967a\u30fb\u52a0\u5165\u73875\u5272\u300c\u5831\u9053\u300d\u306e\u9055\u548c\u611f\u3011"},"content":{"rendered":"

\"\"<\/a>
\n\u3000\u5343\u8449\u3092\u4e2d\u5fc3\u3068\u3057\u305f\u8c6a\u96e8\u88ab\u5bb3\u3001\u53cb\u4eba\u77e5\u4eba\u304b\u3089\u306f\u7279\u6bb5\u306e\u5831\u305b\u306f\u306a\u3044\u3082\u306e\u306e\u3001\u307e\u3053\u3068\u306b\u8fd1\u5e74\u306e\u6c17\u5019\u5909\u52d5\u306e\u731b\u5a01\u3092\u7269\u8a9e\u308b\u75db\u307e\u3057\u3044\u4e8b\u614b\u3002\u88ab\u5bb3\u306b\u3042\u308f\u308c\u305f\u307f\u306a\u3055\u307e\u306b\u5fc3\u304b\u3089\u304a\u898b\u821e\u3044\u7533\u3057\u4e0a\u3052\u307e\u3059\u3002
\n\u3000\u5199\u771f\u306e\u30ec\u30fc\u30c0\u30fc\u753b\u9762\u304c\u793a\u3059\u6fc0\u3057\u3044\u96e8\u96f2\u306e\u7fa4\u308c\u3002\u5343\u8449\u3067\u8d77\u3053\u3063\u305f\u707d\u5bb3\u306f\u3001\u3044\u3064\u3069\u3053\u3067\u767a\u751f\u3057\u3066\u3082\u304a\u304b\u3057\u304f\u306a\u3044\u3002\u5e38\u306b\u81ea\u7136\u707d\u5bb3\u306e\u5371\u967a\u3068\u96a3\u308a\u5408\u308f\u305b\u306e\u65e5\u672c\u5217\u5cf6\u3001\u305d\u306e\u51f6\u66b4\u5316\u306e\u5ea6\u5408\u3044\u306f\u5e74\u3005\u5897\u3057\u3066\u3044\u308b\u306e\u304c\u5b9f\u611f\u3002
\n\u3000\u305d\u3046\u3057\u305f\u4e2d\u3001\u4eca\u56de\u306e\u5831\u9053\u3092\u898b\u3066\u3044\u3066\u500b\u4eba\u7684\u306b\u8003\u3048\u3055\u305b\u3089\u308c\u305f\u306e\u304c\u300c\u8eca\u4e21\u4fdd\u967a\u300d\u306b\u95a2\u3059\u308b\u30cb\u30e5\u30fc\u30b9\u3002\u4e00\u6628\u65e5\u3042\u305f\u308a\u304b\u3089\u300c\u88ab\u707d\u8eca\u4e21\u306e\u591a\u304f\u304c\u672a\u52a0\u5165\u3001\u8eca\u4e21\u4fdd\u967a\u306e\u52a0\u5165\u7387\u306f\uff15\u5272\u7a0b\u5ea6\u300d\u3068\u3044\u3063\u305f\u5831\u9053\u304c\u76f8\u6b21\u3044\u3060\u3002\u300c\u3048\u3001\u305d\u3093\u306a\u306b\u4fdd\u967a\u306b\u5165\u3063\u3066\u3044\u306a\u3044\u306e\uff1f\u300d\u3068\u4e00\u77ac\u9a5a\u304b\u3055\u308c\u305f\u304c\u3001\u3069\u3046\u3082\u3053\u306e\u300c\u8eca\u4e21\u4fdd\u967a\uff15\u5272\u300d\u3068\u3044\u3046\u8a00\u8449\u306b\u306f\u3001\u5831\u9053\u306b\u4e0d\u53ef\u6b20\u306a\u300c\u8a73\u7d30\u306a\u6ce8\u91c8\u300d\u304c\u6b20\u843d\u3057\u3066\u3044\u308b\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u601d\u3048\u305f\u306e\u3060\u3063\u305f\u3002
\n\u3000\u81ea\u52d5\u8eca\u4fdd\u967a\u306f\u3001\u6cd5\u5f8b\u3067\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u305f\u300c\u81ea\u8ce0\u8cac\u4fdd\u967a\uff08\u5f37\u5236\u4fdd\u967a\uff09\u300d\u3068\u3001\u88dc\u511f\u5185\u5bb9\u3092\u81ea\u7531\u306b\u9078\u3076\u300c\u4efb\u610f\u4fdd\u967a\u300d\u306e\u4e8c\u5c64\u69cb\u9020\u3002\u4eca\u56de\u30cb\u30e5\u30fc\u30b9\u3067\u8a9e\u3089\u308c\u3066\u3044\u308b\u306e\u306f\u3001\u4efb\u610f\u4fdd\u967a\u306e\u4e2d\u306e\u3055\u3089\u306b\u30aa\u30d7\u30b7\u30e7\u30f3\u3067\u3042\u308b\u300c\u8eca\u4e21\u4fdd\u967a\uff08\u7279\u306b\u51a0\u6c34\u30fb\u6c34\u707d\u4e8b\u6545\u3092\u30ab\u30d0\u30fc\u3059\u308b\u88dc\u511f\u7279\u7d04\uff09\u300d\u306e\u4ed8\u5e2f\u7387\u306e\u3053\u3068\u306e\u3088\u3046\u3060\u3002\u5bfe\u4eba\u30fb\u5bfe\u7269\u306a\u3069\u306e\u4efb\u610f\u4fdd\u967a\u81ea\u4f53\u306b\u306f\u591a\u304f\u306e\u30e6\u30fc\u30b6\u30fc\u304c\u52a0\u5165\u3057\u3066\u3044\u308b\u3051\u308c\u3069\u3001\u81ea\u8eab\u306e\u8eca\u4f53\u3092\u5b88\u308b\u8eca\u4e21\u4fdd\u967a\u306f\u4fdd\u967a\u6599\u3082\u8df3\u306d\u4e0a\u304c\u308b\u305f\u3081\u4ed8\u5e2f\u7387\u306f\u7d04\uff15\u5272\u306b\u3068\u3069\u307e\u308b\u3068\u3044\u3046\u306e\u304c\u5b9f\u76f8\u3060\u3068\u601d\u3046\u3002
\n\u3000\u300c\u8eca\u4e21\u4fdd\u967a\u306b\u5165\u3063\u3066\u3044\u306a\u3044\u300d\u3068\u3044\u3046\u5927\u3056\u3063\u3071\u306a\u8868\u73fe\u3060\u3051\u3067\u306f\u3001\u3042\u305f\u304b\u3082\u30e6\u30fc\u30b6\u30fc\u304c\u7121\u4fdd\u967a\u306e\u307e\u307e\u7121\u8b00\u306b\u8eca\u3092\u8d70\u3089\u305b\u3066\u3044\u308b\u3088\u3046\u306a\u8aa4\u89e3\u3092\u4e0e\u3048\u304b\u306d\u306a\u3044\u3002\u3055\u3089\u306b\u8a00\u3048\u3070\u3001\u8eca\u4e21\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3066\u3044\u3066\u3082\u300c\u514d\u8cac\u91d1\u984d\uff08\u81ea\u5df1\u8ca0\u62c5\u5206\uff09\u300d\u306e\u8a2d\u5b9a\u3084\u3001\u88dc\u511f\u7bc4\u56f2\u306e\u9078\u629e\u306b\u3088\u3063\u3066\u53d7\u3051\u53d6\u308c\u308b\u4fdd\u967a\u91d1\u306f\u591a\u69d8\u3002\u308f\u304c\u5bb6\u306e\u30af\u30eb\u30de\u306e\u4fdd\u967a\u5185\u5bb9\u3067\u3082\uff15\u4e07\u5186\u306e\u81ea\u5df1\u8ca0\u62c5\u67a0\u304c\u3042\u308b\u3088\u3046\u306b\u30e6\u30fc\u30b6\u30fc\u500b\u3005\u306e\u9078\u629e\u306f\u591a\u5c90\u306b\u308f\u305f\u308b\u306e\u304c\u4e00\u822c\u7684\u3002
\n\u3000\u5831\u9053\u306f\u300c\u30ed\u30fc\u30f3\u3060\u3051\u304c\u6b8b\u308a\u3001\u4fee\u7406\u3082\u79fb\u52d5\u3082\u3067\u304d\u306a\u304f\u3066\u304b\u308f\u3044\u305d\u3046\u300d\u3068\u3044\u3063\u305f\u611f\u60c5\u7684\u306a\u5074\u9762\u8a34\u6c42\u306b\u7d42\u59cb\u3057\u3066\u3044\u305f\u304c\u3001\u4fdd\u967a\u5236\u5ea6\u306e\u4ed5\u7d44\u307f\u3084\u9078\u629e\u80a2\u306e\u591a\u69d8\u6027\u306b\u3064\u3044\u3066\u306e\u7dcf\u5408\u7684\u306a\u8aac\u660e\u304c\u4e0d\u8db3\u3067\u3001\u305f\u3060\u4e0d\u5b89\u3068\u6050\u6016\u5fc3\u3070\u304b\u308a\u3092\u717d\u3063\u3066\u3044\u308b\u3088\u3046\u306b\u611f\u3058\u3089\u308c\u305f\u3002
\n\u3000\u3053\u308c\u307e\u3067\u306e\u6c17\u8c61\u5e38\u8b58\u3092\u8d85\u3048\u305f\u5de8\u5927\u707d\u5bb3\u304c\u983b\u767a\u3059\u308b\u73fe\u4ee3\u3060\u3051\u308c\u3069\u3001\u56fa\u5b9a\u8cbb\u3092\u6291\u3048\u308b\u305f\u3081\u7c21\u6613\u3067\u30b3\u30b9\u30d1\u306e\u826f\u3044\u4fdd\u967a\u3092\u9078\u629e\u3057\u3066\u304d\u305f\u30e6\u30fc\u30b6\u30fc\u306e\u5224\u65ad\u306f\u3001\u81f3\u6975\u81ea\u7136\u3060\u3068\u601d\u3048\u308b\u3002\u30e1\u30c7\u30a3\u30a2\u306f\u5358\u306a\u308b\u60c5\u7dd2\u7684\u5831\u9053\u306b\u3068\u3069\u307e\u3089\u305a\u3001\u5236\u5ea6\u306e\u6b63\u78ba\u306a\u8a73\u7d30\u3092\u63d0\u793a\u3057\u3066\u3068\u5207\u306b\u9858\u3046\u3002
\n\u3000\u4eca\u56de\u306e\u75db\u307e\u3057\u3044\u51fa\u6765\u4e8b\u304c\u6fc0\u751a\u5316\u3059\u308b\u707d\u5bb3\u306b\u5099\u3048\u305f\u79c1\u305f\u3061\u4e00\u4eba\u3072\u3068\u308a\u306e\u30ea\u30b9\u30af\u7ba1\u7406\u3084\u4fdd\u967a\u5185\u5bb9\u306e\u51b7\u9759\u306a\u898b\u76f4\u3057\u3078\u3068\u7e4b\u304c\u308b\u3053\u3068\u3092\u7948\u5ff5\u3057\u307e\u3059\u3002<\/p>\n

\u25cf\u304a\u77e5\u3089\u305b
\n\u62d9\u66f8\u300c\u4f5c\u5bb6\u3068\u4f4f\u7a7a\u9593\u300d\u5e7b\u51ac\u820e\u304b\u3089\u96fb\u5b50\u66f8\u7c4d\u3067\u767a\u520a
\n\u304a\u6c42\u3081\u306fAmazon\u3067\u3002
\nhttps:\/\/amzn.asia\/d\/eUiv9yO<\/a>
\n\"\"<\/a><\/p>\n

English version\u2b07<\/p>\n

[Vehicle Insurance: The Discomfort of the \u201c50% Coverage Rate\u201d Report]
\nWait, for a split second I thought, \u201cNot that many people have insurance?\u201d But I think the actual point is that 50% of policyholders have insurance that \u201ccovers water-related incidents as well.\u201d Hmm…<\/p>\n

\u3000The torrential rain damage centered on Chiba\u2014while I haven\u2019t heard anything specific from friends or acquaintances\u2014is a truly heartbreaking situation that speaks volumes about the ferocity of climate change in recent years. I offer my heartfelt sympathies to all those affected.
\nThe radar image in the photo shows a cluster of intense rain clouds. The disaster that struck Chiba is the kind that could happen anywhere at any time. Living on the Japanese archipelago, where we are constantly at risk of natural disasters, I can really feel that the severity of these events is increasing year by year.
\n\u3000Amidst all this, what personally caught my attention while watching the news coverage was a report regarding \u201cvehicle insurance.\u201d Starting around the day before yesterday, there was a flurry of reports stating things like, \u201cMany of the damaged vehicles were uninsured, and the vehicle insurance coverage rate is only about 50 percent.\u201d I was momentarily surprised\u2014\u201cWhat, that few people have insurance?\u201d\u2014but it struck me that the phrase \u201c50 percent vehicle insurance coverage\u201d seemed to be missing the \u201cdetailed context\u201d that is essential to any news report.
\n\u3000Automobile insurance has a two-tier structure: \u201ccompulsory liability insurance\u201d (mandated by law) and \u201cvoluntary insurance,\u201d where policyholders can freely choose their coverage. What the news is discussing here appears to be the uptake rate of \u201cvehicle insurance\u201d (specifically, coverage riders that protect against flooding and water damage)\u2014an optional add-on within voluntary insurance. While many users have voluntary insurance covering bodily injury and property damage, the reality is that the uptake rate for vehicle insurance\u2014which protects the vehicle itself\u2014remains at around 50 percent because premiums for it skyrocket.
\n\u3000Using only the vague phrase \u201cnot enrolled in vehicle insurance\u201d risks creating the misconception that users are recklessly driving without any insurance at all. Furthermore, even for those with vehicle insurance, the amount of insurance payout varies depending on the \u201cdeductible\u201d (the portion the policyholder must pay out of pocket) and the scope of coverage selected. As evidenced by my own family\u2019s car insurance policy, which includes a 50,000-yen deductible, it is common for individual users to have a wide range of choices.
\n\u3000While the media coverage focused entirely on emotional appeals\u2014such as \u201cIt\u2019s so sad that they\u2019re left with only the loan, unable to repair or drive the car\u201d\u2014it lacked a comprehensive explanation of how the insurance system works and the variety of available options, leaving the impression that it was merely stoking anxiety and fear.
\n\u3000In today\u2019s world, where massive disasters that defy conventional meteorological wisdom occur frequently, it seems perfectly natural for users to have chosen simple, cost-effective insurance policies to keep their fixed expenses down. I earnestly hope that the media will go beyond mere emotional reporting and present accurate details about the system.
\n\u3000I pray that this tragic incident will lead each of us to calmly review our risk management strategies and insurance coverage in preparation for increasingly severe disasters.<\/p>\n

\u25cf Announcement
\nMy book, \u201cWriters and Living Spaces,\u201d has been published as an e-book by Gentosha.
\nAvailable on Amazon.<\/p>\n

\u3000<\/p>\n","protected":false},"excerpt":{"rendered":"

\u3000\u5343\u8449\u3092\u4e2d\u5fc3\u3068\u3057\u305f\u8c6a\u96e8\u88ab\u5bb3\u3001\u53cb\u4eba\u77e5\u4eba\u304b\u3089\u306f\u7279\u6bb5\u306e\u5831\u305b\u306f\u306a\u3044\u3082\u306e\u306e\u3001\u307e\u3053\u3068\u306b\u8fd1\u5e74\u306e\u6c17\u5019\u5909\u52d5\u306e\u731b\u5a01\u3092\u7269\u8a9e\u308b\u75db\u307e\u3057\u3044\u4e8b\u614b\u3002\u88ab\u5bb3\u306b\u3042\u308f\u308c\u305f\u307f\u306a\u3055\u307e\u306b\u5fc3\u304b\u3089\u304a\u898b\u821e\u3044\u7533\u3057\u4e0a\u3052\u307e\u3059\u3002 \u3000\u5199\u771f\u306e\u30ec\u30fc\u30c0\u30fc\u753b\u9762\u304c\u793a\u3059\u6fc0\u3057\u3044\u96e8\u96f2\u306e\u7fa4\u308c\u3002\u5343\u8449\u3067 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"\u3010\u8eca\u4e21\u4fdd\u967a\u30fb\u52a0\u5165\u73875\u5272\u300c\u5831\u9053\u300d\u306e\u9055\u548c\u611f\u3011\r\n\u3048\u3001\u305d\u3093\u306a\u306b\u4fdd\u967a\u5165\u3063\u3066\u306a\u3044\u306e\u3068\u4e00\u77ac\u601d\u3063\u305f\u304c\u3001\u4e8b\u5b9f\u306f\u300c\u6c34\u96e3\u3092\u3082\u30ab\u30d0\u30fc\u3067\u304d\u308b\u7bc4\u56f2\u300d\u306e\u4fdd\u967a\u3092\u639b\u3051\u3066\u3044\u308b\u30ab\u30d0\u30fc\u7387\uff15\u5272\u3068\u306e\u5185\u5bb9\u304b\u3068\u3002\u3046\u301c\u3080\u3002\u30fb\u30fb\u30fb","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1],"tags":[],"class_list":["post-49214","post","type-post","status-publish","format-standard","hentry","category-1"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t