For one-off compensation and various benefits for those who suffer permanent injury. Q: What constitutes an "accident"? Any illness or injury caused by a sudden event. Some cases are uncontroversial: those who have been assaulted, involved in a car accident, fallen over, self-harmed, injured by any external force, and sudden illnesses that cannot be predicted. ACC will usually accept these cases straight away, without seeking a doctor's professional opinion. Some cases may be related to past medical history, for example, if someone who previously had high blood pressure suffered a heart attack or stroke in New Zealand, there is controversy over whether this counts as an "accident". ACC will usually seek a doctor's opinion and then make a decision on whether to pay compensation. However, in these cases, doctors usually side with the patient and advise ACC to pay compensation. Unlike general commercial insurance companies, ACC can be "free" and automatically joined. The biggest difference between ACC and general commercial insurance companies is that you don't have to join ACC insurance before an accident happens. As long as you are a natural person in New Zealand, you are automatically insured ?

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Yes, I have used skiing to save money.

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The service staff took a lot of pictures when I picked up the car. I thought they were professional, so I didn't take any pictures (besides, I thought that since I had full insurance, there wouldn't be any problems if an accident happened). Today, when I returned the car, a different lady looked at it very carefully and found a little damage to the paint. She didn't compare it to the pictures when I picked up the car. She just emphasized that I didn't need to make any payments, but asked me to sign. I wondered if the insurance company was playing some kind of trick ? New Zealand Q&A

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Can the whole electronic visa passport be scanned (all blank pages are scanned)? Or just the used pages (such as the pages with exit stamps)? In addition, do you need to scan the new passport if the previous passport has many transit stamps and visas? If scanned, do you also need to scan the whole passport, including blank pages? I am a dependent visa holder ? New Zealand Q&A

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