Registered residents of Ibaraki Prefecture are eligible for a prefectural insurance system (県民交通災害共済, kenmin koutsuu saigai kyousai) that will pay a lump sum in the case of injury or death from a traffic accident that occurs in Japan.
Term of insurance: April 1, 2009 to March 31, 2010
Fee: 900 yen for adults, 500 yen for children who are of junior high school age or under as of April 1, 2009
If you apply after September 30, the fees are discounted by 50% since you will only receive coverage for half the year.
Apply at the main desk of any branch of the city hall, or at the Life and Safety Division (生活安全課) at the Sakura Branch Office. Since this insurance only lasts for one year, you will have to go back to the city hall every year to renew it.
For more information, please see the Ibaraki Prefecture website (in Japanese).