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Kyoto Toji　Temple

MS火災海上保険会社がやっと,

１１月６日の事故の被害での屋根の修理が終わりました。いれかわり立ち替わり担当者がきてみるだけで・・１か月もかかりびっくり・・・２階の屋根の角を車があてて、とゆをこわし影響で瓦もずれ・むねも・・影響か！

残された、掃除機でたてのパイプのゴミ、掃除・屋根のゴミを取りのぞき、水をまき、うまく流れるか確かめました。

MS Fire and Marine Insurance has finally finished repairing the roof following the accident on November 6th. Just the replacement technicians arriving to repair the roof took a month, which was surprising... A car hit the corner of the second-floor roof, damaging the floor, causing tiles to shift, and even damaging the chest... What a blow! We vacuumed the remaining debris from the vertical pipes, cleaned the roof, and sprayed water to make sure it was draining properly.

交通事故慰謝料で弁護士に頼むと

高額になると言うCMの様な動画
ありますね
例えば、３０歳のパパを交通事故で
亡くした場合、総額いくらですが?
パパ分
配偶者分
子供分
ジジババ分
逸失利益分
年収５００万円
保険会社の提示分と司法判断分の違いを教えてください。
There are commercials out there that say that hiring a lawyer for compensation for a traffic accident can be expensive. For example, if a 30-year-old father dies in a traffic accident, how much would the total amount be? For the father, for the spouse, for the children, for the grandparents, for lost earnings, and for an annual income of 5 million yen. What's the difference between the amount offered by the insurance company and the amount awarded by the court?

回答：参照資料：■
「弁護士に頼むと慰謝料が上がる」というCMの根拠は、実際に**保険会社提示額（任意保険基準）と、裁判所基準（弁護士基準・司法基準）**に大きな差があるためです。
⚖️ 想定ケース
亡くなった方：30歳・男性（パパ）
年収：500万円
妻と子ども1人あり（高校生未満想定）
両親（ジジババ）は健在
過失割合は0（被害者側に落ち度なし）
① 逸失利益（将来の収入分の補償）
逸失利益 ＝ 年収 × (1 − 生活費控除率) × ライプニッツ係数（30歳→就労可能年数37年）
年収500万円
生活費控除率：一家の支柱→40％
就労可能年数37年 → ライプニッツ係数：約17.4（3％利率）
計算：
500万 × (1−0.4) × 17.4 ≒ 500万 × 0.6 × 17.4 ＝ 5220万円
➡️ 逸失利益 約5200万円
② 慰謝料（死亡慰謝料）
区分    保険会社基準（低め）    裁判所基準（高め）
被害者本人（死亡慰謝料）    約1,000万円前後    2,800〜3,000万円（家族構成により変動）
30歳の既婚者＋子あり → 裁判所基準：約2,800万円
③ 近親者慰謝料（家族分）
配偶者：100〜200万円
子ども：100〜200万円
両親：各100万円前後（特に同居・親密なら考慮される）
➡️ 合計で 300〜500万円程度
④ 葬儀関係費用
実費＋αとして、150〜200万円程度認められることが多いです。
🔢 総額の比較（概算）
区分    保険会社提示基準    裁判所基準（弁護士依頼時）
逸失利益    約4,000万円前後    約5,200万円
慰謝料（本人）    約1,000万円    約2,800万円
近親者慰謝料    数十万円～100万円程度    約300〜500万円
葬儀関係費    約100万円    約150〜200万円
合計    約5,000〜5,200万円    約8,000万円前後
💡まとめ
険会社提示（任意保険基準）だと 約5,000万円前後
弁護士が入って裁判所基準で請求すると 7,000〜8,000万円超 になることが多い
→ 差額は2,000〜3,000万円に及ぶケースも。

Answer: Reference material:■
The basis for the commercial claiming that "hiring a lawyer will increase the amount of compensation" is that there is actually a big difference between the amount offered by the insurance company (voluntary insurance standard) and the court standards (lawyer standards/judicial standards). ⚖️ Expected Case
Deceased: 30-year-old male (father)
Annual income: 5 million yen
Wife and one child (assumed to be under high school age)
Parents (grandparents) are alive
Fault ratio: 0 (no fault on the victim's side)
① Lost earnings (compensation for future income)
Lost earnings = Annual income × (1 − Living expenses deduction rate) × Leibniz coefficient (30 years old → 37 years of working life)
Annual income: 5 million yen
Living expenses deduction rate: Breadwinner of the family → 40%
37 years of working life → Leibniz coefficient: Approximately 17.4 (3% interest rate)
Calculation:
5 million × (1 − 0.4) × 17.4 ≒ 5 million × 0.6 × 17.4 = 52.2 million yen
➡️ Lost earnings: Approximately 52 million yen
② Compensation (death compensation)
Classification Insurance Company Standard (Low) Court Standard (High)
Victim (Death Compensation) Approximately 10 million yen 28-30 million yen (Varies depending on family structure)
30-year-old married person with children → Court Standard: Approximately 28 million yen
③ Compensation for Relatives (Family Portion)
Spouse: 1-2 million yen
Children: 1-2 million yen
Parents: Approximately 1 million yen each (Consideration given especially if living together or close)
➡️ Approximately 3-5 million yen in total
④ Funeral-related Expenses
Actual expenses plus additional compensation of approximately 1.5-2 million yen is often approved.
🔢 Total Amount Comparison (Estimates)
Category Insurance Company-Presented Standard Court Standard (When Hiring an Attorney)
Lost Profits Approximately ¥40 million Approximately ¥52 million
Compensation (Individual) Approximately ¥10 million Approximately ¥28 million
Compensation for Relatives Approximately several hundred thousand to approximately ¥1 million Approximately ¥3 million to ¥5 million
Funeral-Related Expenses Approximately ¥1 million Approximately ¥1.5 million to ¥2 million
Total Approximately ¥50 million to ¥52 million Approximately ¥80 million
💡Summary
Insurance company-presented (voluntary insurance standard) amounts to approximately ¥50 million.
When a lawyer is involved and the court standard is used, the amount often exceeds ¥70 million to ¥80 million.
→ In some cases, the difference can reach ¥20 million to ¥30 million.
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