I got hit by a car on my bike the other week. I was biking in the decicated cycle lane on St Asaph with my hi-vis and they swung across the lane (and over the speed bump!) to enter their block, and hit me quite hard. I've ended up having to pay about $300 so far in treatment costs for my injured back (co-payments / what ACC won't cover). The insurer paid for my bike repairs, but according to law won't cover my co-payments. I asked the adult who hit me nicely if she'd be able to contribute any amount towards the treatment costs, and she's declined, saying her company "has met their obligations."
I guess it's just upsetting, the lack of empathy. I thought kiwis had each other's backs. They're the director of this firm they were pulling into as well, so it's not like they don't have the means.