Car insurance in New Zealand operates on a voluntary private market basis where you choose between third-party property damage, third-party fire and theft, or fully comprehensive cover. Unlike many countries, personal injury liability is handled entirely by the government's Accident Compensation Corporation (ACC) scheme, meaning private insurance focuses strictly on vehicle repairs and property damage. If you cause a crash while uninsured, you are personally liable out of pocket for the full cost of fixing the other party's vehicle.
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