ACC FAQs - Your Questions Answered
ACC FAQs — Your Questions Answered
If you’re dealing with ACC, you probably have a lot of questions — and you’re not alone. This page answers the most common questions people ask about ACC claims, decisions, and how advocates can help.
What is ACC?
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.
Is ACC part of the government?
Yes. ACC is a government agency, but this website (ACC Advocates NZ) is independent — we help people understand their rights and options.
Do I have to prove fault to get ACC cover?
No. ACC is a no-fault scheme, meaning you don’t have to prove someone was at fault for your injury to get support.
ACC Claims & Entitlements
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.
What is a treatment injury?
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.
Can ACC cover mental injury?
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.
What entitlements might ACC provide?
ACC entitlements can include:
✔ Treatment costs
✔ Rehabilitation support
✔ Weekly compensation
✔ Home help or support services
The exact entitlements depend on your situation and injury.
How do I make an ACC claim?
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).
How long does a claim take?
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.
What happens after I make a claim?
ACC either:
✔ Accepts your claim
✔ Declines your claim
✔ Asks for more information
If your claim isn’t accepted — don’t panic — you have options.
❗ Decisions, Declines & Reviews
What does it mean if ACC decline's my claim?
A decline means ACC has decided your injury doesn’t meet their criteria. This doesn’t mean you are out of options.
Can I challenge a decline?
Yes. You can ask for a review of ACC’s decision and — if needed — later appeal that review.
What is a review?
A review is when an independent reviewer looks at ACC’s decision to see if it was correct. It’s not the same as an appeal — but it’s the first step if you disagree.
What happens if ACC changes their mind?
If new evidence or information becomes available, ACC can reconsider and update their decision.
💬 Working With Advocates
What is an ACC advocate?
An ACC advocate:
✔ Helps you understand ACC decisions
✔ Explains your options
✔ Supports you through reviews and questions
Advocates do not work for ACC — they work for you.
Do I have to pay an ACC advocate?
Most advocates are paid by you, but some offer free guidance or operate on a sliding scale.
Payment arrangements vary — always check before you begin.
Can an advocate help before a claim is accepted?
Yes. Advocates can help at any stage — even before a decision has been made.
Can I change advocates?
Yes — you can change advocates at any time if someone isn’t the right fit for you.
📌 Forms & Documents
What forms might I need?
ACC commonly uses forms such as:
ACC45 – Injury claim form
ACC2152 – Treatment injury form
Your GP or health provider can help with these, or an advocate can guide you.
Practical Tips
Keep copies of everything
Save all emails, letters, images, reports, and forms. You may need them later.
Ask for help early
Many people wait too long to get support. The earlier you get help, the easier the process.
Still Have a Question?
If your question isn’t answered here, or if you’d like one-on-one help understanding ACC decisions, you can:
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