Difference between number and cost. Dirt bikes might have more crashes, but they don't usually produce the very long term injuries that cost big money. And a greater proportion of dirt bikers would be young (< 18) riders. They are cheap.
What really costs ACC are injuries that require long term ERC compensation. That 80% of earnings for years mounts up fast.
Deaths are relatively cheap if there are no dependants. And injuries to non-earners (eg kids) are cheap.
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