It is not illegal to drive an uninsured car on public roads in New Zealand. Unlike jurisdictions that mandate compulsory third-party motor insurance for vehicle registration, New Zealand law does not require private vehicle owners to carry insurance. However, drivers remain 100 percent legally and financially liable for any property damage they cause in an accident. Because the state-run ACC handles personal injury claims, uninsured drivers face massive out-of-pocket expenses if they crash into expensive third-party property.
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