It is not illegal to drive without car insurance in New Zealand. Unlike many overseas jurisdictions, New Zealand law does not legally mandate private motor vehicle insurance or third-party liability coverage to register and operate a car on public roads. However, drivers are personally and legally liable for any property damage or injuries they cause in an accident. Because the government's centralized Accident Compensation Corporation (ACC) covers personal injury tort immunity, uninsured drivers face extreme financial exposure if they damage expensive third-party vehicles.
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