I think the only way ACC will be based on an individuals risk is if ACC is either partly or wholly privatised or opened up to competition. (probably not ideal)
The problem then is are the small number in high risk sector going to be paying enough to cover the damage they are responsible for?
The bit that annoys me is a car can rear end me at the lights and break my leg along with a few plastic panels, my vet bill comes out of the ACC bike fund not the ACC car fund but my damaged plastic would be covered by my insurance taking money from the cars insurance company.
I cringe at privatisation but can also see the benefits...
Bring on 2016
"Your talent determines what you can do. Your motivation determines how much you are willing to do. Your attitude determines how well you do it."
-Lou Holtz
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