What if we didn’t have ACC?


We keep being told ACC is the world’s best no-fault accident insurance scheme.

If a scheme which has a $12.8 billion gap between its net assets and claim liabilities is the best, what would the worst be like?

What would happen if we didn’t have ACC?

People who had minor accidents would look after themselves and most of those who needed treatment would get it through the public health system. If they had on-going problems they might end up on a benefit.

What they wouldn’t get, unless they had their own accident insurance, would be earnings related compensation.

How many would try to sue? I don’t know the answer to that. But if you take away accidents in which the victim is at fault because of carelessness or stupidity and others for which no-one else could be blamed I doubt if it would be a very big number.

Tomorrow the government will announce changes to the scheme to address the gap between income and outgoings. It will leave us paying more for less.

If a compulsory accident insurance scheme is so good, why has no-one suggested we have compulsory health insurance too? If the answer to that is that compulsory health insurance wouldn’t be a good idea, we need to look at ACC and ask if we’d be better off without compulsory accident insurance too.

Those who wanted accident and earnings related insurance could pay for their own. The rest would take the risk of having to rely on public health and benefit systems.

And if Macdoctor is right, we’d have fewer accidents because people might start taking a bit more care.

UPDATE: Liberty Scott has a prescription for improvements.

It’s none of our business


The grandfather of the toddler killed by a car reversing down a neighbour’s drive is appealing for the family to be left alone.

He said the family had been inundated with media calls and now wanted privacy.

He shouldn’t have to ask.

This is tragic for the dead child, his family, their friends, the teenage driver of the car and those close to him, but nothing more than the bare facts are any of our business.

That it happened was news. What if any charges may be laid against the driver will be news.  Anything else is nosiness.

What else is there to know? What these people are doing and how they are feeling? That’s their business. We don’t need to know any of that nor does the media have any right to ask.

The death of a public figure is of public interest and the funeral may be too.

But the media’s growing propensity to pry into the private grief of private people is not in the public interest, it’s merely prurience.

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