We usually get hit with things like car insurances here but at least we don't usually have to worry about litigation at work (at least not as individuals) - we also have a system called ACC whereby you can't sue another person over any type of accident for health injuries - this is all covered by ACC ( which we pay for through a special tax). It seems to be quite a good system.
Yes Sam it makes a wonderful difference facing crises etc without AL. Often hard for newbies to realise this. I also find now that I celebrate less (and commiserate less) as there is no AL after such crises- so it helps to put things more on an even keel and allow me to get on with life - or really deal with my feelings and situation - as there is not going to be an alcoholic cave to crawl into anymore. It's caved in for good!
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