This is a very rare occurrence in New Zealand because we have ACC, but it pays to understand what happens because it’s common in some other countries (particularly eastern European countries and Russia). In fact, it’s so common in Russia…

Accident and crash are two loaded words. A discussion frequently occurs about whether an accident is really an accident – aren’t they just all ‘crashes’, and all preventable? It is a discussion that can be confusing if you let the semantics…