thats because NZ has ACC, its coming out of the governments coffers ,,, hence they are try ing to stop  the bad  before it happens ( a good thing ) 
Here its insurance , who cares if you  need a new leg/ arm or skin ,, you dont get if you dont have insurance ( Or you pay the FULL amount ,,,, ) 
if you dont pay then its the courts ,,,( we are not to clear on that cause we have never heard of it happening !
Stephen
				
			 
			
		 
			
				
			
				
			
			
				"Look, Madame, where we live, look how we live ... look at the life we  have...The Republic has forgotten us."
			
			
		 
	
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