Search studies, brands and more…⌘ KExplore research

Evidence · Car insurance

Every question, every answer, every source

Explore all 183 car-insurance questions and the 728 answers saved on 11 October 2026. Read the original responses and download the tables behind the study’s comparisons, sources, sentiment and factual checks.

questions
183
answers saved, of 732 planned
728
consumer situations
12
named regions
16
AI platforms
4

01

Every question, with its answers

Each question went to the four AI platforms. All were collected with a New Zealand setting. Open a question to read every captured answer in full.

Showing 20 of 183 questions

Show all 183

02

The tables behind the study

Every figure on the study page comes from these tables. They are CSV files, which open in any spreadsheet.

  • Questions

    questions.csv

    One row per question, with its exact saved wording.

    Question ID, source references, question, consumer situation, named regions, question group and collection setting

    183rows

    Download questions (CSV)

  • Answers

    answers.csv

    One row per captured answer, with its full text.

    Answer ID, question ID, platform, collection setting, consumer situation, named regions and full answer

    728rows

    Download answers (CSV)

  • Sources by answer

    sources.csv

    One row per website recorded as a source of an answer.

    Answer ID, question ID, assistant, collection setting, website and publisher type

    4,213rows

    Download sources by answer (CSV)

  • Checks against primary sources

    checks.csv

    One row per stated assertion checked, for one platform.

    Check, question and answer IDs, assistant, exact passage, verdict, primary-source finding, URL and date

    96rows

    Download checks against primary sources (CSV)

  • Consumer recommendation coding

    consumer-recommendation-coding.csv

    One row per reviewed provider role in a consumer-selection answer.

    Answer ID, question ID, consumer, platform, provider, role, counted recommendation, exact passage and conditions

    301rows

    Download consumer recommendation coding (CSV)

  • Consumer selection membership

    consumer-selection-membership.csv

    One row per answer in the matched consumer-selection comparison.

    Answer ID, question ID, consumer, platform, question group and full text; the same twelve questions per platform

    48rows

    Download consumer selection membership (CSV)

  • Ongoing support coding

    support-coding.csv

    One row per reviewed named-provider role in an eligible support answer.

    Answer ID, question ID, consumer, platform, provider, role, support-preference decision and exact passage

    49rows

    Download ongoing support coding (CSV)

  • Ongoing support membership

    support-membership.csv

    One row per answer in the actual consumer-support group.

    Answer ID, question ID, consumer, platform, question group and full text; acquisition validation is excluded

    32rows

    Download ongoing support membership (CSV)

  • Regional recommendation coding

    regional-recommendation-coding.csv

    One row per reviewed provider role in a region-named selection answer.

    Answer ID, question ID, named consumer region, platform, provider, recommendation decision and exact passage

    440rows

    Download regional recommendation coding (CSV)

  • Regional selection membership

    regional-selection-membership.csv

    One row per answer in the matched regional comparison.

    Answer ID, question ID, named consumer region, platform and equal-comparison membership; sixteen questions per platform

    64rows

    Download regional selection membership (CSV)

  • Insurer sentiment

    insurer-sentiment.csv

    One row per unique saved claim about an insurer in a selection answer.

    Claim, question and answer IDs, insurer, saved stance, exact passage and original-answer offsets

    1,926rows

    Download insurer sentiment (CSV)

  • Recorded source URLs

    source-urls.csv

    One row per recorded answer, website and URL association.

    Answer ID, question ID, platform, website, URL, source records and presence in the captured answer text

    6,056rows

    Download recorded source urls (CSV)

Use these tables to trace findings back to the original questions and answers. The full text of each answer is also on this page, under its question.

03

Read in full and checked

Some answers were read in detail or checked against official sources. Those appear on the study page, beside the findings they support.

ChatGPT · New Zealand

I've just had a car crash and I think the other driver was at fault. What do I need to do for insurance?

I’m sorry this has happened — a car crash is stressful enough without having to worry about insurance. The good news is that, in New Zealand, you can generally start an insurance claim with your own insurer even if you believe the other driver caused the crash. Your insurer can explain your cover and help assess who was responsible.

What to do now, step by step

  1. Make sure everyone is safe

If anyone is injured, call 111 for an ambulance or police as appropriate. If you're in immediate danger, move to a safe place if you can do so safely. Don't drive a car that may be unsafe.

  1. Collect evidence

If you can do so safely, take photos of the damage to both cars, the scene, road markings, traffic signs and any relevant skid marks. Save dashcam footage and get the other driver's:

  • Name and contact details
  • Registration number
  • Insurance company, if known
  • Vehicle details

Get contact details from any witnesses. Write down what happened while it's fresh in your mind.

  1. Report the crash to your insurer promptly

Contact your insurer's claims team or use its online claims form. Tell them the facts, explain why you believe the other driver was at fault, and provide your photos and other evidence.

Ask whether your policy covers the damage, whether an excess applies, and whether they can recover their costs from the other driver's insurer.

  1. Keep records and wait for repair instructions

Keep your claim number, receipts for reasonable expenses, repair estimates and all messages with the other driver or insurers. Ask your insurer before authorising repairs, arranging towing or accepting a settlement.

Will you have to pay an excess?

Not necessarily in the end. It depends on your policy, the evidence and whether the insurer can recover the costs.

  • If you have comprehensive insurance: your insurer may cover your car's damage, subject to your policy terms and excess.
  • If you have third-party-only insurance: damage to your own car usually isn't covered by your policy. You may be able to seek compensation from the other driver if they're found liable.
  • If the other driver is at fault: your insurer may waive or refund your excess if you can establish this and provide sufficient details about the other driver. Car insurance

Important: police reporting in New Zealand

If anyone was injured, the crash must be reported to Police as soon as practicable and within 24 hours, subject to the legal exceptions. For a non-injury crash, you can submit a Police Traffic Crash Report. Different reporting deadlines apply to damage to other property, such as a fence. Traffic crash reportLand Transport Act 1998

You don't need to prove fault yourself before contacting your insurer. Stick to the facts, and don't sign an agreement accepting responsibility or settle the damage privately before understanding the implications.

Let me help you work out your next move

I just need to know one thing first:

What type of car insurance do you have?

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I've just had a car crash and I think the other driver was at fault. What do I need to do for insurance?

Dealing with a car crash is stressful, but handling the insurance process correctly will help protect your position—especially when you believe the other driver was at fault.

1. Gather and Secure Evidence

If you haven't left the scene yet (or if you have the details recorded), ensure you have:

  • The other driver's details: Full name, phone number, address, vehicle registration (plate number), make, model, and their insurance company if known.
  • Witness details: Contact information for anyone who saw what happened.
  • Photos/Videos: Clear photos of the damage to both vehicles, skid marks, road layout, traffic signs, and the wider scene.
  • Police involvement: If anyone was injured, or if the other driver left without stopping, it is a legal requirement in New Zealand to report it to the Police (call 111 if urgent, or use 105 / online reporting for non-emergencies). Keep a note of the Police event/file number.

2. Contact Your Insurance Provider

  • Notify them promptly: Most New Zealand insurance policies require you to notify them as soon as reasonably possible, even if you are not at fault.
  • Provide the facts: Give your insurer a clear, factual account of what happened, along with the other driver's details, photos, and any police reference number.
  • Do not admit liability: If you are speaking with the other driver or third parties, avoid admitting fault or accepting blame. Let your insurer investigate and assess the liability based on the evidence.

3. Understand How "Not at Fault" Claims Work in NZ

  • If you have Comprehensive Insurance: Lodge the claim through your own insurer. Provide them with the details of the at-fault driver. If your insurer agrees that the other driver was entirely at fault and can successfully identify and recover costs from them (or their insurer), your excess should be waived or refunded, and your no-claims bonus/discount is typically protected. Your insurer will usually handle the recovery process behind the scenes.
  • If you have Third Party, Fire and Theft Insurance: Your policy generally only covers damage you cause to others. However, if you can prove the other driver was at fault and uninsured/insured, you may need to pursue the at-fault party directly (sometimes via a Letter of Demand or the Disputes Tribunal for claims up to $30,000), though some third-party policies include limited uninsured motorist benefit protection. Check your specific policy wording.

4. Personal Injury (ACC)

  • If anyone sustained injuries in the crash, remember that ACC (Accident Compensation Corporation) operates on a no-fault basis in New Zealand. Ensure you or the injured parties lodge an ACC claim through your treating medical provider or via the ACC website.

Was anyone injured in the crash, or do you have comprehensive cover with your insurer?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I've just had a car crash and I think the other driver was at fault. What do I need to do for insurance?

AI Overview

First, make sure everyone is safe and the vehicles are out of harm's way. In New Zealand, if anyone is injured, you are legally required to call emergency services at 111 immediately. If no one is injured but the road is blocked or unsafe, you can call the police on 105.

Once the environment is secure, here is exactly what you need to do to handle the insurance process smoothly and prove the other driver was at fault:

1. Exchange Critical Details

Do not leave the scene without getting the other driver's information. Legally, you must exchange details within 48 hours for property damage, but doing it on the spot is best. Collect:

  • Driver’s full name, address, and phone number (Ask to see their driver’s licence to confirm the details match).

  • Vehicle details: Registration plate number, make, model, and colour.

  • Insurance details: The name of their insurance provider.

  • Uninsured status: If they admit they do not have insurance, make sure to note this down and get a photo of their driver's licence.

2. Gather Evidence at the Scene

Your insurance company will need proof to hold the other party liable.

  • Photos: Take wide shots of the entire accident scene, road road markings, and any visible street signs. Take close-up photos of the damage to both your car and theirs.

  • Witnesses: If bystanders saw the crash, get their names and phone numbers. Their independent statements can be crucial if the other driver changes their story later.

  • Notes: Note the exact time, date, location, and weather conditions.

3. Avoid Admitting Fault

Do not apologize or say the crash was your fault , even out of politeness. Under New Zealand insurance policies, admitting liability at the scene can complicate your coverage or make it harder for your provider to recover costs from the at-fault driver. Stick strictly to the facts when talking to the other driver.

4. File a Police Report

If there are no injuries but you want a paper trail for insurance—especially if the other driver is uncooperative or uninsured—lodge a non-emergency report.

  • File a Traffic Crash Report online via NZ Police 105.

  • Keep the reference or Police Acknowledgement Form (PAF) number to give to your insurer.

5. Lodge Your Insurance Claim Immediately

Contact your insurance company as soon as possible (most major NZ companies like AA Insurance, AMI, or Tower let you do this quickly online).

  • If you have Comprehensive Insurance: Your insurer will manage the process, arrange towing if the car is undrivable, and contact the other driver's insurance company to recoup costs. If you have all the other driver's details and they are proven at fault, your insurer will usually waive your excess.

  • If you have Third Party Insurance: Third-party policies only cover damage you cause to others. If you are not at fault, your insurer may not manage your repair. You may need to lodge a claim directly through the at-fault driver's insurance company or seek legal remedies if they are uninsured.

If you want to prepare your claim, feel free to share:

  • Whether you have Comprehensive or Third-Party cover.

  • Whether your car is still drivable.

  • If the other driver was cooperative and insured.

I can give you more specific steps on how your excess and repairs will be handled based on your situation.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I've just had a car crash and I think the other driver was at fault. What do I need to do for insurance?

First and foremost, make sure everyone is safe, out of danger, and that you've called emergency services if anyone is hurt or if the road is blocked.

Even if you believe the other driver was completely at fault, handling your insurance claim in New Zealand involves a few standard steps:

  1. Exchange Details: Collect the other driver's full name, address, phone number, vehicle registration number, and their insurance company details. It is also helpful to take photos of the scene, vehicle positions, and damage, and to get the contact info of any independent witnesses. If the police attended, note down their names and ID numbers. [AA New Zealand]
  2. Do Not Admit Liability: Avoid arguing about fault at the scene or admitting liability to the other driver. Let your insurance company investigate and determine liability based on the evidence.
  3. Contact Your Insurer: Get in touch with your car insurance provider as soon as you can (you can typically start a claim online or call their urgent claims line). Give them your policy details, a description of what happened, and the details you gathered from the other driver.
  4. Understand the Excess: If you have comprehensive insurance, your insurer will usually help get your car assessed and repaired. Depending on your policy terms, you may still initially be asked to pay an excess. However, if your insurer successfully recovers the costs from the at-fault driver (or if you can provide the correct name, correct contact details, and vehicle registration of an identified at-fault uninsured driver), your excess is typically refunded or waived.
  5. ACC for Injuries: Remember that personal injuries resulting from a motor vehicle crash in New Zealand are covered by ACC (Accident Compensation Corporation) rather than private motor vehicle insurance. If anyone is injured, make sure they seek medical attention and register a claim with ACC.

If you'd like to share what level of insurance cover you have (Third Party vs. Comprehensive) and who your provider is , I can give you more specific guidance on what to expect regarding your excess and repairs.

Ask anything

Captured 11 October 2026