So I read in today’s Herald that they Government has decided that since ACC is making such a huge loss, the levies need to increase… well actually, increase is a bit of an understatement – try $30 for a car (ok, not too bad) and $258.74 or $493.08 for bike (this is an increase onto the existing $200, giving about $500 or $700) per year!!
As most people who read this will know, I ride a bike. I’ve done safety courses, read numerous books on motorcycle dynamics and am always thinking about the safety of myself and those around me. But by far, the absolute biggest threat I face on the roads is from scooters – tiny little 50cc machines, with people who have absolutely no training on 2 wheels and no concept of the different dynamics of the two machines. Cars are easy to deal with – they are big and slow, and move forwards and backwards in their lanes. Scooters are tiny and literally come out of nowhere!
But I digress (which is something I tend to do a lot – just ask my students)… the question becomes what to do about these ACC levies. Personally, I’m in favour of a “user pays” system, similar to what they have in the US. Now, before you all jump up and down telling me that the US healthcare system is flawed (I agree it is), let me just finish. That way it’s easy – I ride a bike, never drink and drive, never had an accident and never had any traffic offenses. That will give me some insurance premium based on my risk. Someone who has a DUI will pay more – that’s good, it means that you bear the consequences of your actions and they directly affect you for a long time. Just ask anyone who’s lost someone they love to a drunk driver – I imagine that it also stays with you for a long time. An 18yo with 3 months of driving experience will pay *a lot* more to drive a 400bhp sportscar… also a good thing.
Ok, so what’s to stop our system going the same way as the US system. Easy: in NZ you cannot sue for an amount of money (ie. I can’t sue someone for 10 trillion dollars). I can sue them, but the judge decides how much. This means, that the doctors aren’t going to have to spend millions of dollars on legal insurance and subsequently charge similarly high premiums. What the American people seem to have forgotten is that doctors are people too – they make mistakes, and it’s sad and unfortunate when they do, but that’s just life. Machines also make mistakes, but for some reason we tend to be more forgiving? Actually, I might do a bit of research and write another article about this topic which I also find quite interesting. The problem in the US is that if you make even one tiny mistake, you get sued for millions! Consequently, the doctors have to charge a lot…
Again, I digress… as I was saying, a user pays system means that each person’s risk is assessed individually. I couldn’t drive a 400bhp car safely, and I don’t think I would try. Michael Schumacher could – and subsequently would pay a lower health insurance premium. The other part of the puzzle is the property insurance for the vehicles – 3rd party should be mandatory for all vehicles. That way noone is left out of pocket, and those people who don’t drive safely will have a really hard time getting onto the roads (again, not a bad thing).
Right now, I beleive that one of our biggest problem in NZ is that there is no personal accountability. If you damage someone’s property and don’t have insurance, no problem – someone else will pay for you. If you hurt yourself doing something, no problem – the government will pay for you. If you want children, but can’t really afford them, no problem – the government will pay for them. If you can’t really be bothered working, no problem – that’s what the dole is for. The list goes on and on…
Personally, I started planning to leave this country years ago… I had been a little bit worried that perhaps I was making a mistake, but the more I see the more convinced I am that it will turn out to be one of the best decisions I ever make!
