Sprains, strains, wounds, lacerations, fractures, dislocations and work-related injuries such as hearing loss may all be covered.
Most physical injuries are covered if they’re caused by:
- An accident, whether it happened at home, work, on the sports field, or as a result of a motor vehicle crash.
- Injuries caused by external forces to your body (e.g. gravity or falling onto the ground) or o\loading (e.g. lifting).
- A condition that comes on gradually because of your work (gradual process claim – this must be initiated by your GP to get it registered with ACC).
- Medical treatment – treatment injury.
- Sexual assault or abuse
There is a specific definition of ‘injury’ in the Injury Prevention, Rehabilitation, and Compensation (IPRC) Act 2001, which is the law that ACC must apply when considering applications for claims and assistance.
ACC has to be satisfied that you have suffered a personal injury.
To see if your claim for injuries could be covered by ACC, see their website www.acc.co.nz.