If you are involved in a car accident without insurance in New Zealand and are found to be at fault, you will be held personally and legally liable for the total cost of repairing or replacing the other party's damaged vehicle and property out of pocket. While New Zealand's state-backed ACC scheme covers medical treatment and personal injury costs for everyone involved in a crash regardless of fault, it pays nothing toward property damages. Consequently, causing an accident with an uninsured vehicle can lead to severe personal debt or bankruptcy proceedings if you cannot afford the bills.
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