
Originally Posted by
Grahameeboy
I look at ACC as a form of Insurance....most important thing is to protect our wellbeing.
Your bike levy also covers a) your pillion b) a pedestrian that you hit....remember that fault does not come into it.
I would be very impressed if you could buy private insurance that would provide the extent of cover provided by ACC for anything remotely close to what you pay in motorbike ACC levies...I would take a punt and say unlikely.
Say you end up being paralysed from the waste down after a crash on your bike.
ACC will cover:
- Health Care
- Rehab
- Occupational Therapy
- 80% of your salary - future earnings
- Housing Mods
- Mobility Vehicle that you can drive - $120,000
- Paid Family Care
Call Asteron, Sovereign, Tower etc and ask what they would cover...those in Bold are what you do not get if you are born with a disability.
If you had the choice of either taking ACC or taking Private, you will realise that paying extra ACC levies is the best option
ACC charges (in your words "Targets") people like any other form of Insurance..so what is wrong with a variable rate for cc's
Hmmmm. You make an interesting point, Grahameboy, except for one small issue. That is, ACC is about to be privatised. The gov can no longer accept the toll of ACC.
It was a sort've fine idea when first introduced, especially to by-pass the American, litigious ethic AKA sue, for the slightest.
But as with all social freebies, and that is what ACC really is; a get out of jail card free, despite the gross ineptitude of the claimant.... it has bred an 'I don't have to care because I'm covered,' mentality.
Crash ya bike? Make a mess of ya self? 'Ho hum. I could do with a few months holiday on 80% of my current income.'
Make a mess of someone else? 'Ho hum. Sorry about that, but ACC will see you right.'
But ACC is looking not just at road injuries. They're looking at a whole bunch of costs.
Just latterly they put out a moot that sexual abuse claimants actually had to demonstrate that they have been actually hurt by the 'abuse'.
The psychologists are screaming 'Not fair!' Every sexual abuse victim has been hurt.
They probably have but ACC's actual thrust is to determine if in fact a claimant has been sexually abused or is just playing the system.
In the new regime the 'victim' has to identify the abuser and then demonstrate some DSM1V level of damage.
Don't get me wrong here. I'm not minimizing the pain of genuine victims, simply highlighting the fact that ACC has become a good earn for so many.
Sadly, that good earn is about to cease because we, the people, can no longer afford to pay folk to step out on Sunday morning with absolutely no care for their self preservation.
Thus ACC IS driving the road-safe issue because, very soon now, ACC will be put in the hands of private insurers. And so, behind ACC's demands for greater self protection is a requirement from the private insurers that their risk will be minimised.
So submit something intelligent.
Only 'Now' exists in reality.
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