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 ?
New Zealand Q&A
I just got home today. Let me share my experience of renting a car in Italy for your reference. I picked up the car on October 6th and returned it on the 28th, a total of 22 days. I rented from AVIS for a total of 374.6 euros. They tried to sell me insurance, but I refused and said I would take responsibility for any issues. They didn't force me to buy the insurance in the end. They pre-authorized 94.86 euros on my card as a deposit. I booked a BMW 3 series, but they gave me a BMW X1 with navigation. I had heard about people getting downgraded cars before, so I didn't expect much and didn't argue about getting the X1. When I picked up the car, there were noticeable scratches on the front and back. I asked the AVIS staff to record them before I drove off, and they used a yellow marker to mark them on the contract, then circled and signed them with a black pen. The gas tank was not full, and they marked it with a stamp. The car wasn't very clean when I picked it up. When I returned the car, I made sure it was relatively clean. I told the person who received the car that all the scratches were old and showed him the previous markings. I also said that I take good care of the car, and he said I was a good renter . He told me there were no issues and I could leave. I was still worried about any potential problems, so I took new photos of the car from all angles with the date displayed. It's only been a few days since I returned the car, so I don't know if there will be any issues ?
Italy Q&A
Help, on June 22nd, I was driving in Germany from Berlin to Munich and the King's Lake. When I rented the car, there was a pre-authorization of 124 euros. After returning to my country, I checked at the end of July and found that it had been unfrozen, so I thought everything was fine. However, on August 6th, the bank called me and informed me that there was a pre-sale right of around 29 points, which they said was the handling fee of the car rental company. It should be due to a traffic violation, and the German police will send a notice of violation to the address I provided in my country. I don't know how to pay the fine. Also, the address I provided is my driver's license address, which has been demolished, so I won't be able to receive any notification. How can I pay the fine, and what are the consequences if I don't pay it ?
Germany Q&A
Two trips to Italy in two years, passing through Sicily, Dolomites, Tuscany, and some other cities. Personally, I feel that the security in Italy is not a big problem. Tourist attractions are always crowded, which is unavoidable anywhere. Just be mindful of your belongings, keep some loose change in your pocket, and don't expose large amounts of cash. We added a small combination lock to our backpacks for extra security. Thieves also choose their targets, just like in our own country. I've seen many foreigners leaving their bags far away while taking photos, and their belongings were not stolen. There are armed police guarding various attractions in Italy, so I didn't feel unsafe at all ?
Italy Q&A
Return and inspection of the car
1. Prepare the checklist provided by the rental company before
2. Rental agreement, insurance documents, deposit receipt
3. Wash the car before returning it, both interior and exterior. Otherwise, you may be fined up to 500 Swiss francs for car washing (e.g. in Switzerland)
4. All photos taken when picking up the car
5. Return the car with a full tank of gas. Otherwise, you may be charged for refueling, which can be expensive
6. Take a photo of the fuel gauge
7. Take photos of any potential scratches to avoid being overcharged
8. When the car is inspected, make sure to check what is written and any associated fees. If there are any objections, resolve them before signing. This can be a stressful time, especially if you are in a rush to catch a flight, and you may overlook certain issues. It can be difficult to resolve them once you have returned home
9. The deposit refund will depend on the rental company checking for any violations, parking tickets, or toll charges. It may take 1-2 months to receive the deposit refund, and there will be no notification. The charges will be automatically deducted
Additional information: Some gas stations offer automatic and manual car wash services. Both require self-operation.
Automatic car wash: Drive in, the brushes will automatically clean and dry the car. The cost varies from 10-29 Swiss francs, depending on the size of the car. Advantages: Quick, approximately 10-20 minutes. Disadvantages: Expensive, and the car may not be thoroughly cleaned. Vacuuming requires coins, approximately 1 franc for 10 minutes
Manual car wash: Advantages: Cheaper, more thorough cleaning, and can help identify any issues. Disadvantages: Tiring, limited time with the car wash hose, need to purchase car wash detergent. Indoor vacuuming requires renting a vacuum for approximately 1 franc for 10 minutes ?
Switzerland Q&A
I just returned to my country, and overall it was safe and sound. I didn't encounter any thieves, and my car was also in good condition. First of all, the safety education is quite sufficient, and the journey was like fighting monsters, but in reality it wasn't that scary. Italy's famous attractions not only have police, but also armored vehicles and armed soldiers, making it difficult to imagine how thieves and scammers would operate. Secondly, don't be tempted to park on the roadside. I always use paid parking lots, and there are people watching over them in Pisa. In addition, Italy may have an average economic situation, which is reflected not only in prices, but also in the scarcity of black people. Even in the capital Rome, there are slightly more black people, but even they look down on Italy. Finally, let's talk about ztl. Italy's historic districts are relatively small and essentially tourist attractions, so parking outside the ztl will not cause much inconvenience ?
Italy Q&A
I was following a local photographer from Reykjavik to Vik in Iceland, and she was driving at over 100 km/h the whole way. I asked her if there were any problems, and she said that there were no speed cameras in Iceland, only police officers hiding in the bushes on some busy roads! When we entered some towns, she was also driving at a speed of over 70 km/h past the speed cameras! At the time, I was also very worried! Later on, I found that there were two types of speed cameras. One type only measured the speed, and the other type had two flashing lights on top of it. I guessed that the first type did not take pictures! Everyone can refer to this! I was driving at a speed of 100-110 km/h the whole way, and there were still many cars that passed me! On the three-digit sections, driving at 30 km/h and avoiding large stones was not a problem! The regular ring road route has no place that only SUVs can pass! As long as you don't have a tire burst, any car can go! The above is just personal advice! Everyone should decide according to their own situation! If there are more people, it's better to rent a larger car. The average cost per person won't be much different ?
Iceland Q&A