Originally Posted by
Mwenenzi
What you pay in cash after an accident even if the car/you has insurance. (~non deductible?)
Insurance jargon and what words/clauses mean (in local law) is not the same around the world.
Correct, excess = deductible in the US. So "zero excess" is essentially "zero deductible," i.e. if you have zero excess and get in an accident, you pay no deductible for your rental damage and whatever property you damage. In addition (and someone, please correct me if I'm wrong), but for personal injuries that occur during a car accident, because of NZ's healthcare scheme, the at-fault party cannot be sued for medical coverage (this is generally a big concern in the US when a car accident occurs).