You'll have an excess/deductible which comes out of your pocket (unless it's 100% the other guy's fault) and could likely be around 100,000 JPY (so you don't get anything from the insurance company until the cost exceeds the deductible). You can pay more to reduce the deductible, but it may not be worth it. The policy will also have stated maximums, which should be sufficient, but if a claim goes over the maximum, again it might hit your pocket. Also the policy may or may not include coverage for legal fees.
now ive got a 328i coupe and with 2 years no claims at 20 years old it costs me £2000!!!. So make sure you shop around rather than going for the first price that seems alright cheapest japanese car insurance. If you're looking to buy an imported car, bear in mind you are likely to pay more for your car insurance get cheap car insurance new driver...
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