>> The answer is what?
>>
>> The New Zealand model?
>>
>> In New Zealand there's no need for third party insurance to cover injuries because we
>> already have a form of compulsory 'insurance' that covers injuries caused by a car accident.
>> ... However, holding insurance to cover the costs of causing damage to your own or
>> another person's property is optional.
Isn't that part of a wider no fault scheme covering all forms of personal injury including medical accidents and a ban on compensatory legal claims?
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