New Zealand’s accident compensation scheme provides 24-hour, no-fault insurance cover for personal injury to New Zealand citizens, residents and temporary visitors to New Zealand. In return for giving no-fault accident cover, the ACC scheme takes away the right to sue for personal injuries covered by the scheme (except for exemplary damages).
Note: If the injury suffered is not covered by the accident compensation scheme, then court proceedings for damages (compensation) may be brought; for example, by suing the person responsible for the injury for negligence. Exemplary damages may also be available, whether or not the personal injury has ACC cover. Exemplary damages are aimed at punishing the wrongdoer for their conduct, rather than at providing compensation to the person who was injured.
Costs covered under the accident compensation scheme include:
(See “ACC entitlements” in this chapter.)
Where injury occurs, the primary focus is on rehabilitation. The aim is to restore, to the greatest degree possible, the injured person’s health, independence, and participation.
The Accident Compensation Corporation (ACC) administers New Zealand’s accident compensation scheme.
ACC is a Crown entity that has responsibility for:
The Accident Compensation Act 2001 is the principal Act under which ACC operates. The Act aims to enhance the public good and to provide a fair and sustainable scheme for managing personal injury. The Act seeks to ensure positive claimant interactions with ACC through the development and operation of a Code of ACC Claimants’ Rights (see “The Code of ACC Claimants’ Rights” in this chapter). The Act also has a number of regulations relating to rehabilitation, reviews and appeals, levies and lump sum compensation.