I understand that the ACC covers personal injuries for car accidents. Is there a similar scheme for property damage that

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Customer: I understand that the ACC covers personal injuries for car accidents. Is there a similar scheme for property damage that I might cause using a rental car in NZ? I have insurance that will pay for damage to MY rental vehicle
JA: The Lawyer can help you determine if you have a case. Before I connect you, is there anything else you'd like the Lawyer to know?
Customer: I am a US attorney, visitng NZ for two months and renting a car
Answered by Chris The Lawyer in 13 mins 2 years ago
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Chris The Lawyer, Expert

Hi
I am a New Zealand lawyer based in Wellington and will help you with your question today. Please give me a minute to read the question

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Chris The Lawyer, Expert

Welcome to New Zealand! Under New Zealand insurance policies, you would normally have cover under the rental car insurance for third-party damage. It is very common for people to have damage insurance for third-party cover, and I would be surprised if this was not included in your insurance policy with the rental car. You should have a look at the policy or ask the rental car company if that is included.

Customer
Thank you. I don't know if credit cards issued in NZ have the same feature, but we have coverage for damage to the vehicle we rent through the credit card, provided that we not accept any insurance from the rental company (that may not make complete sense, but I am quite satisfied that is true). Are you saying that in the base rental it is likely that the rental agency is covering this risk? Insurance through car rental agencies is a tremendous rip-off in my humble opinion. ***@******.***
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Chris The Lawyer, Expert

Certainly in the rental agreements which I sign with Avis, there is specific cover for third party damage-I have the same concern as you when using the rental cars.

Customer
when you rent from Avis, do you decline all coverages?
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Chris The Lawyer, Expert

In their form, because I am a frequent user, it comes out with a standard offer of insurance, and I include the lower level of the excess. But the form does give a number of options as to the level of cover and third-party cover as well

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Chris The Lawyer, Expert

And I opt in for most of the cover-despite the cost

Customer
Kiwis are not a litigious bunch,are you? Thanks for the help. Getting. On a plane to SFO now.
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Chris The Lawyer, Expert

Perhaps not by US standards! I mostly do mediation myself these days
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Chris The Lawyer, Expert

Safe travels!
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