Yikes - just found out that our US car insurance policy does not provide coverage for rental cars in foreign countries. As a result, I have checked the insurance coverage provided by the NZ rental car company for our 7 week trip. After reading the rental terms and conditions and email correspondence with the rental car company, it appears that their liability coverage is only for damage to third party property and animals , but NOT injury to people. Below is the quote from the rental agent:
"Your Car Insurance will not cover any injury to the 3rd party or to yourself but will be treated just like a New Zealander in accordance with our policy called Accident Compensation Corporation where the NZ government will cover all Medical cost that will be incurred due to the accident. "
Can someone please verify that this statement is true - that the NZ gov't will cover all medical cost incurred due to an accident ?
This is so different than in the US where injury to third parties is usually covered by the liability portion of the car insurance policy of the driver causing the accident. I just want to ensure that I have adequate insurance coverage while driving in NZ.
Thank you for your help.