Hi everyone, I need some advice regarding a situation in Japan. I (23M International Student) accidentally hit a parked car, and the accident was completely my fault. Unfortunately, I don’t have insurance to cover the cost of the other party’s claim. The amount they are asking for is too high for me to pay all at once, and I can’t afford it.

I want to take responsibility, but I was wondering if it’s possible to ask the other party’s insurance company if I can pay in installments. Has anyone been through a similar situation or knows how to approach this in Japan? Are there any legal options or mediation services that can help with negotiating a payment plan?

Any advice would be greatly appreciated! Thank you in advance.