I'm not sure if you still have ACC in New Zealand. Some years ago, New Zealanders gave up their right to sue in case of accidents. There is a government based organization (ACC) that pays whatever the costs you had from your accident. Thus, if you need physio or to go to the doctor, and that was caused by an accident, ACC should pay for that.

IMHO it is a better way to deal with the problem, reduce a lot the amount of litigation in society, the person suffering the accident get paid what is fair, and you can keep "high risk" businesses running (for example, bungy jumping, sky diving, cycling), without the problem of not being able to get insurance and closing down.

I hope you are 100% pretty soon!