Actually I have found the exact opposite.
Just last week a colleague finally received a much-needed knee operation. ACC were not accepting it was the result of an accident. Private insurer evaluated the problem, booked surgery within days and said they would follow up their findings with ACC. Turned out initial surgeon had missed the problem and damage was indeed from accident several years ago...
Have heard many stories recently along same lines, ACC so 'broke' they have really tightened up on injury classification, yet still seem to live their culture of corporate excess...
Where's that fucking spanner...
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