With the amount of motor vehicles on the roads these days, almost anyone wants to be a motorist. And a negative consequence with road transportation there’s bound to be road accidents on the road. Hence there’s institutions such as the Road Accident Fund (RAF) which provides compulsory social insurance cover to all users of South African roads.
The RAF provides compulsory cover to all users of South African roads, citizens and foreigners, against injuries sustained or death arising from accidents involving motor vehicles within the borders of South Africa. This cover is in the form of indemnity insurance to persons who cause the accident, as well as personal injury and death insurance to victims of motor vehicle accidents and their families.
Through the fund a motor vehicle accidents victim can claim for medical expenses, loss of income and loss of support all past and future, general damages pain and suffering for serious injuries. As well as funeral costs and if you’re involved in a hit and run with an unidentified driver the claim must be lodged within two years from when accident occurred or from the date of death.
During the claims procedure the claim is lodged on a prescribed statutory claim form, which provides basic information on the claimant, the vehicles and parties involved in the collision. From the date and place of accident and the amounts claimed. It also contains a medical report by the treating doctor.
This claim form is accompanied by an affidavit setting out the following:
- Full particulars of the accident,
- Statements of witnesses,
- Police reports,
- Hospital and medical records,
- Vouchers and documents in support of amounts claimed.
The drivers of the vehicles involved in the collision must furnish details of the accident to the RAF on a statutory accident report form together with information of witnesses which the RAF may request. Once a claim is submitted, the RAF registers it on its claim system and commences with its investigations. The RAF determines whether the claim is valid.
And depending on the success of your claim, the RAF will award you compensation after the judgment has been passed and any appeals process has been completed.