ACC FAQs - Your Questions Answered

ACC stands for Accident Compensation Corporation.
It’s New Zealand’s injury insurance scheme that supports people who are hurt, no matter who was at fault.

Yes. ACC is a government agency, but this website (ACC Advocates NZ) is independent — we help people understand their rights and options.

No. ACC is a no-fault scheme, meaning you don’t have to prove someone was at fault for your injury to get support.

What counts as a valid ACC claim?

ACC may cover your injury if:

• It was caused by an accident or specific event, or

• It’s a treatment injury, or

• It’s a work-related gradual process injury

Eligibility depends on the type of injury and the evidence you provide.

A treatment injury is an injury that was caused by medical care, such as surgery or other treatment — not the original condition. This may be covered by ACC if it meets the legal definition.

Yes — in certain cases. Mental injury may be covered if it was caused by sexual abuse. Other mental injuries aren’t usually covered unless they relate to an injury already accepted by ACC.

ACC entitlements can include:
✔ Treatment costs
✔ Rehabilitation support
✔ Weekly compensation
✔ Home help or support services

The exact entitlements depend on your situation and injury.

You can make a claim:

• Online through ACC

• By calling ACC

• With help from a GP or health provider

Most people start by completing an ACC claim form (e.g., an ACC45).

Timing varies. Some decisions are fast, others take longer if more information is needed.

If ACC asks for more details, responding quickly helps move things along.

ACC either:
✔ Accepts your claim
✔ Declines your claim
✔ Asks for more information

If your claim isn’t accepted — don’t panic — you have options.