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Hi there, my question is how to protect my legal rights as much as possible without buying car insurance once accident happened? What should I do at the scene of the accident and afterward? Cheers.

Hi there,
Please follow this link for information on driver responsibilities after a crash.
https://www.aa.co.nz/cars/motoring-blog/how-to-deal-with-a-crash/
https://www.nzta.govt.nz/resources/roadcode/about-driver-responsibility/crashes
We don't recommend driving a vehicle without insurance.