Do you have to pay excess if accident not your fault in NZ?

Do you have to pay excess if accident not your fault in New Zealand depends on insurer and ability to recover excess from at fault party. Excess, which is amount you pay towards claim, typically $400 to $800 for car insurance in NZ, with accident not your fault meaning other driver at fault, you may still have to pay excess upfront when you file claim with your insurer, but many NZ insurers including AA Insurance, State Insurance, Tower, and AMI offer excess free or excess refund if accident not your fault and you can provide details of at fault party including name, address, registration, and their insurance details, with insurer recovering excess from at fault party's insurance, with AA Insurance policy stating if you can prove not at fault and provide at fault driver details, you pay no excess or excess refunded, with similar for State. If at fault driver uninsured or cannot be identified like hit and run, you may have to pay excess, though some policies include uninsured motorist extension covering excess. If you claim through at fault party's insurance directly, you pay no excess to your insurer as you are third party claimant. So in NZ you may have to pay excess initially even if not at fault, but excess waived or refunded if you can prove not at fault and provide at fault driver details for insurer to recover, with many insurers offering excess free for not at fault accidents with at fault details, otherwise excess applies.