Suing another for MVA damages or defending agains claims, is our daily business, in South Africa.

Welcome to RAMLA

RAMLA - car accident damage claim service South Africa
Motor vehicle accident damage claim enforcement
- defence against inflated or unreasonable claims
- Motor Insurance disputes - claim declines

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Car accident damage claim enforcement

Rebutting unfair settlement offers

Insurance claim declines or dismissal

Defence against unreasonable or inflated claims

Support pursuit in any MVA matters, in South Africa

Road Accident Management & Legal Action

We are car accident damage compensation recovery specialists

as well as experts to defend against unreasonable or inflated claims.

RAMLA is a specialised Expert in South Africa's Motor Vehicle Accident damage compensation enforcement, or assistance in defensive actions against unreasonable or inflated claims.

Select from the issues on this page

        Assessing damages and calculate the Quantum for repairs, is one of the important steps in a claim for material MVA damage compensation, in Sout Africa (RSA)

Compensation issues in relation to motor car accidents, ananlysing damages and repair challenges

RAMLA - car accident damage claim service South Africa
Having a compensation claim against another party, probably insured against claims emanating from car accidents, or against own, comprehensive motor insurance cover, can come with complications. A number of issues can lead to disputes, declines or insufficient settlement offers. RAMLA as an specialised Expert in all MVA matters, can be the solution for any such problems.
      car accident in South Africa

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  Claim Information      Damage Assessment      Legal Information      Repair Service      Insurance Matters      Claim Collections      Downloads     Mandate Terms & Conditions      Contact        Job        Press        Company    

The content and information supplied are linked and legally associated to the disclaimer, supplied at the end of the page and for private individual purposes only.

Motor car road traffic accident damage recovery, is what our subject is all about.

Below please find some issues and occurrences of common interest, listed and linked.

Car accident issues that matters most:

      facilitating a claim

claim against the liable party causing the car accident   enforcing full and fair compensation . . .
     insured driver/owner

     not insured motorist

     3rd party claim

     reluctant party

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   value of damages

   Calculation of damages

   Quote or assessing

   severe damage -
      write off - total loss,
      scrap, salvage

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   Insurance claim evaluation, decline, dispute


   3rd party claim

   comprehensive claim

      violation of terms (t&c)

      in regard to investigations

   declined claim

   insuficient settelement


   Precedent / case law

   Defend Recovery Action


Should you do not find the issue you are looking for, contact RAMLA (Road Accident Management & Legal Action), as one of the most experienced experts in matters of car accident damage recovery claims.

We however believe the issue in question will be found on one of the other pages on the

RAMLA comprehensive MVA - motor vehicle accident - Information Platform,

but as we haven't installed a search function, rather contact RAMLA, instead of waste time for a search.

There are sections in the main top selector, such as claim, assessment, legal and insurance matters; you may navigate to find what you're looking for.

Apply for RAMLA Membership NOW

Car accident damages as result of a traffic collision, always gives task and commonly hassles, unless one do have a compressive motor insurance cover that lives up to the promises made.

But unfortunately, that's not always the matter and if ordinary South African motorists are asked, if they believe and trust a valid claim is a guaranteed matter, one will hear a number, if not the majority of those questioned, doubting that it will be so.

car accident in South Africa   Your specialised expert to sort out MVA matters

                  Professional - competent - swift - decisive and affordable

         Issues with South African Motor Insurance companies

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Should a matter be taken to a court of law?

Most commonly the overwhelming number of disputes or claims can be solved in pre-litigation, but if no amicable solution can be found, matters sometimes need the escalation to a court of law to be solved.

It should be noted, that most of the deciders of claims, (insurance claim admins, claim evaluators or technicians, however called and other representatives, regularly do have no certified legal competences.

This means the decisions made to either accept or deny a claim are performed by persons with experience, but often not applying a legal background, taking all facts in consideration, but all too often rely on party statements, without a check on the balance of probabilities if that point of view may represent the correct situation, or act biased as to benefit schemes or other incentives, declining claims to cut down on compensation pay-outs.

Approaching a court of law give the certainty to have the case evaluated to the laws prevailing in accordance with the particular applicable situation, and after analysing the parties written arguments exchanged in the pleading phase of the trial, hearing the plaintiff and the defendant, as well as witnesses and thereafter the judicial officer will come to a decision, making it an order of court.

It is obviously clear, that such comprehensive analytic process will be by far better, than just accept an unjust decision of a person in charge, neglecting the basics of fairness to look onto a claim unbiased.

It may therefore be fairly well to accept the initial costs, coming with a legal action in a court of law, but given the evidence is supportive enough to convince the court on the basis of probabilities to decide in favour of the party, to get compensation and a refund of costs necessary to pursue the claim in court.


car accident in South Africa

car accident in South Africa

Assessment Information

  More Issues of high interest


Free accident fact check

Damage Assessment is esential

What makes a qualified Assessor

   Insurance Assessment
Problems and Challenges

Reconstrution of facts in dispute
Assessment Agreement

       Costs of Damage Assessment

Technical Expert Witness
Importance of proof
Unqualified Quotations

                    Market Value
         Scrap or Salvage Value

Compensation in a "write off"

Depreciation or loss of Value

Find a local Assessor
Become a network Assessor

Free Accident Forms
Free accident fact check

Dealing with Insurance Companies

Other Issues in the Sector of:

Damage Assessment
Legal Service
Insurance Matters
Claim Collection Service
Repair Service

Free accident fact check

If you are involved in a car accident in South Africa and like to know what to do, please read more.

face the challenge - Let's Claim

Issues of legal interest

  More Issues of high interest


Free accident fact check

Elementary Traffic Duties / Rules

  Defending against a legal claim

   Negligence, Causation, Culpa

Risks and Chances
in a compensation claim

Documentation needed
preparing a claim

       Evidence - Facts - Merits

Calculating the Value
of damages

Acknowledgement of Liability
Settlement Agreements

   Quantum of Liability -          Apportionment
Dispute Reselution

Liability of Car Owner
and Vicarious Liability

Employed Car Driver
and Vicarious Liability
Employer and Employee

Expert Witness
in a dispute of facts

Accident Witness and Testimony

Affidavit - Commissioner of Oath

   RAMLA legal in-house service

The right attorney
Specialized Attorneys
How Attorney claims
Attorney Costs
Attorney Tariffs

Find a local Lawyer
Become a network lawyer

Other Issues in the Sector of:

Damage Assessment
Legal Service
Insurance Matters
Claim Collection Service
Repair Service

Free accident fact check

If you are involved in a car accident in South Africa and like to know what to do, please read more.

face the challenge - Let's Claim

The RAMLA web pages are designed to supply you with valuable information's to sort out material motor car accident compensation cases occurred in a traffic collision on South African roads.

Involved in a car accident in South Africa and like to know what to do?

You will find a lot information that can help you to claim for damages or to deal with disputed motor insurance claims and even to defend you, if you face an inflated high and unreasonable claim against you.

On your way looking for a professional car accident damage assessment, to quantify and calculate your traffic accident damages occurred one of the provinces of South Africa,

Gauteng - Freestate - Northern Cape - Limpopo - North West - Mpumalanga - KwaZuluNatal (KZN) - Eastern Cape - Western Cape -

you found the RAMLA web pages giving you some ideas about the pro and cons of an independent damage investigation and what you should look on to get a reliable accident damage report, helping you to proof the material claim, against the liable party or the motor insurance company.

Even if you are located in one of the mayor cities of the country such as Cape Town - Bloemfontein - Johannesburg - Soweto - Pretoria - Polokwane - Durban - East London - Port Elizabeth - or in the wider areas around those cities or wherever in the county you are,

RAMLA (Road Accident Management & Legal Action) can support you with various service options nationwide.

Working with RAMLA will of course be the most comfortable and economic support in pursuit of a legal compensation claim, whether against a 3rd party or directed to any motor insurance company in South Africa.

Motor car accidents happen on a daily basis, and in all the South African provinces, wherever you are, in Gauteng - Freestate - Northern Cape - Limpopo - North West - Mpumalanga - KwaZuluNatal (KZN) - Eastern Cape or in the Western Cape.

In the several provinces you find differences in the level of risks, according to traffic density, conditions of the roads, day and night times, weather conditions and many more.

A motor car accident rarely does happen just out of one singular fault. Mostly more influential factors and other negligent actions must get together causing a traffic accident at all,

when driving through Cape Town or Kahilitsha, Paarl, Parow, Calvinia, Springbok, Vredenburg, as Port Elizabeth, but not just there.

In all our South African cities and even in rural areas, are risks by travelling a vehicle on public roads. Be aware that most accidents happen in your very near neighbourhood or on your daily way to or from work in your home town Middelburg, Graff-Reinet, Somerset - East or Somerset West, Grahamstown, Bisho, Zwelisha or East London, due to the facts that one who is very familiar with this routine, will not be on the alert level one should be.

You can minimise to be dragged into an auto collision, if you concentrate on the traffic, abide by the basic precautions and don't contribute negligent in driving, by let's say texting or telephoning behind the steering wheel.

But even if you live in other small towns or mayor cities such as Umlazi, Durban, Pietermaritzburg, Potchefstroom, Port Elizabeth, Knysna, Krugersdorp, Oudtshorn, Mossel Bay or Worcester you have to be aware of the danger by making your trip.

Other road users may not be up to their best abilities, be drunk for example or driving a motor car that better should not be on the road, as it is not roadworthy and so poses risks to other motorists.

Just participate in local traffic within the towns and villages as Roberson, George, Kimberly, Rustenburg or Mabopane, you can be caught up in a vehicle crash at all times, despite you may drive carefully and respect the rules of the road. The other party is always even your risk.

Minimising the probability to be caught up in a road crash, especially in bustling cities such as Pretoria, Johannesburg, Soweto, Germiston, Rustenberg, Welkom, Bloemfontein, Polokwane , Durban or Cape Town, where high volumes of motorist getting along all day, the risk to be involved in a car accident is much higher than just travelling in quieter areas as Klerksdorp or Mahikeng.

The best will be, if you are on high alert all the time you drive a motor car. Taking care of keeping proper following distances which is a very good measure not to be involved in car accidents,

when you on the roads of Kimberly, Queenstown, Beaufort West, Prieska, Upington, Vryburg, De Aar, Belfast, Bethlehem, Kroonstad , Harrysmith, Mabane, Nelspruit or Ermelo.

In huge metropolis as Johannesburg or Cape Town where you deal with rush hours when commuters get to and from work in the morning and evening hours, the danger to be trapped up in a motor car accident are explicitly higher as to other traffic times.

If you have been unlucky dragged into an auto accident caused by another one or more motorist who drove negligent, not abiding the rules of the road or even careless and subsequent suffered material damages to your motor car, you want that the liable party pay compensation you for losses.

Dealing with matters as "write off" total damage or loss, salvage or scrap value should automatically get you in high alert and needs full attention to avoid losses. All this can easily work out to your detrimental.

When it comes to deal with motor insurance companies to be compensated for a total loss or even called a "write off" or a total loss, not worth to repair or beyond repair lots of factors may lead to disputes with an insurance company in South Africa (SA).

Most commonly the insurance claim department base the settlement offer on a party friendly vehicle assessment, and then starting to reduce the compensation to be paid for adequate replacement.

First thing to look on must be the market value of the motor car, before impact. Had it been correctly reflected? Therefore all special equipment and mileage condition etc. of the car must be scrutinised.

It must be looked on the way the insurance claim adjuster calculated the settlement offer. Another crucial matter is always the salvage, the value of the scrap. If the insurance tend to leave the salvage to your disposal, they will deduct such salvage value from your compensation and you need to find a potential buyer for the scrap, which is not always easy.

RAMLA - Road Accident Management & Legal Action - have the knowledge and experience to analyse and probably repudiate a wrong based settlement offer.

Reasons for differences can be, that your actual market value of the car is different - lower or higher - than what your insurance or its damage assessment states. If ie the real value of your motor car before the accident had been higher as found by the insurance it might well be you can get your car repaired.

It is important that to know that the South African law say, you can only be compensated for the real value of your motor car damage. This means if the value is incorrect you will maximal be compensated to this - wrong - amount. Easy to see that this is a point lot of insurance companies follow only too often.

The effect may be you get less as what you are entitled to be paid for your traffic accident compensation.

Another way to disagree may be the value of the salvage. It is frequently observed that the insurance company quickly give the vehicle classified as scrap to a salvage dealer. As we all know a motor car salvage dealer does work for profit. So the salvage value, which will be deducted from any compensation payment, may even be wrong.

When it comes to replace your damaged motor car you must pay what the marked ask you to pay and not what you got as compensation.

If you want support to be compensated for your car accident damage RAMLA can be your one stop solution.
Please contact RAMLA by e-mail contact.ramla for a free initial analyse of your case

Want to know more what will be helpful to know before you contact RAMLA (SA)

What means salvage and what must be looked on in order to find a fair value for the scrap.

Salvage is the value in money the scrap of a damaged motor car is worth, if it is uneconomically to repair. Uneconomical to repair the auto damage means, if the assessed repair cost for the vehicle exceeds the market value.

South African insurance companies tend to "write off" a damaged motor car just too often, in an attempt to lower the compensation payment.

Even much too often the scrap is offered the victim of motor car damage to dispose it on its own. This does not mean any less as the insurance company deduct the full amount set as value for the scrap from your compensation payment and you need to find someone to trade in the scrap for at least just this amount.

If the insurance company valued the scrap too high, you might find that the salvage dealer or even others interested buying the wrack of your car, will offer you less and you make losses.

Lucky you when the car accident damage is repaired

Not mentioned that there is always some hassle and engagement needed to get the scrap of the motor car sold.

Therefore it is only advisable to retain the damaged car if you want to keep it and you see a way to get it repaired for less as the damage assessment indicates or to sell it to better conditions.

But in terms of a cheap repair one must always keep in mind that the car must be roadworthy after any such repair, not to go further risks.

Lucky you when the car accident damage is repaired

If it comes to a situation you have to deal with a write off a total loss or totalled car damages, you should not hesitate to get support to minimise the risk of losses.

RAMLA - Road Accident Management and Legal Action can be to your side if you have to deal with a total loss in South Africa, may be much cheaper as you expect.

Motor car accident disputes with the insurance companies, regarding a compensation claim, directed to SA motor insurance company, are common in South Africa. Lots and lots of claim disputes arise on a daily basis and only a part of those insurance claim disputes are referred to the RSA ombudsman for short term insurance.

As the ombudsman can only deal with car insurance claims that arise out of a contractual - motor insurance policy - dispute between the insurance company and the insured and is not dealing with 3rd party insurance claims.

Due to a release from the ombudsmen's office, hundreds of claim disputes are coming in daily and times to attend an individual complaint became longer and longer. The same publication confirms that the ombudsman's office is understaffed to deal with the rising numbers of insurance claim disputes.

A noticeable number of motor insurance disputes cannot be dealt with by the ombudsman. These are the 3rd party claims where the victim claims from the perpetrator.

Any dispute that derives from a car accident claim against the liable party and/or the motor insurance company on behalf of the insured, to compensate the motor vehicle accident damages must be dealt with in the appropriate manner and according to the law applicable.

If your case will be one of those where the motor insurance company reject, deny or do not offer fair and full motor accident compensation, you should enter into a dispute resolution with the motor insurance company. But don't expect too much. It will be a hard and you need to be persistent.

This is by far not an amicable claim. Most differences with a South African motor insurance company are based on the findings of the motor insurance vehicle damage assessment. Lot of those party friendly damage assessments are not acceptable for the victim of an accident and can be caused on a number of issues dealt with in the motor vehicle damage assessment report.

If you find yourself in such a case, you should not hesitate to look for experienced support as it will be not a walk in the park to finally get the motor insurance pay what is fair and correct.

To the experience of RAMLA - Road Accident Management & Legal Action - the insurance claim negotiator or whatever the tittle will be, may be stubborn insisting on the position he is directed to follow, even if very obviously being wrong, the tactic is that you simply give up to end the saga and cut your losses.

But is that really the way to go, accepting a significant shortfall of compensation only to end the story?

You can always consider mandating RAMLA with your motor insurance claim dispute, for professional, effective and economically very favourite conditions.

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car accident in South Africa

car accident in South Africa

car accident in South Africa

car accident in South Africa

car accident in South Africa

car accident in South Africa

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Motor Vehicle Accident

We offer the solution in Car Accident matters, analysing, supporting, demanding, corresponding, negotiating, settlement agreements and further taking matters to a court of law in South Africa, if no amicable solution could be found, in pre-litigation, to best favourable conditions in a professional and decisive routine.

car accident in South Africa
Facing challenges with motor car accident issues in South Africa?

RAMLA will be the solution,

demanding compensation, resolving disputes, defending against inflated or unreasonable claims,

in all sectors of vehicle accident damage compensation problems.

car accident in South Africa

car accident in South Africa

Market value - Trade and Retail Value - "written off"

. . . are important factors in a claim for motor car accident damage compensation in South Africa

If you want support to be compensated for your car accident damage RAMLA can be your one stop solution.
When you are involved in a car accident and the vehicle crash had left you with serious damage to your motor car so that it will be called a "write off", it might be tuff to be compensated fair and full.

The problems with most of South African motor insurance companies come to a peak when they consider the car accident damages will economically not worth to repair the auto wrack and then classify the damage as a write off. This kicks in when they consider the repair cost higher than the actual value of the damaged vehicle, to the time just before the accident happened.

Now the differences between your expectations for traffic accident compensation and that of the liable party, or the insurance company of the liable, may start right at the definition of the market value or listed value before the car crash. When it comes to the point that the liable party, or most often the insurance company of the party, qualifies the auto accident damage as so serious, that it will be called a "write off" or total loss, as they determine the repair cost will exceed the market value, you may find yourself in big trouble.

Market value. . . the price a motor car will truly be traded for!

Trade & Retail Value a price suggestion for selling or buying a car

Value "written off", if the market value is less than the repair costs

Purchasing another car to similar condition, can be a challenge

Salvage - the amout of money the scrap of the vehicle is worth

Salvage in a car accident           Salvage in a car accident

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Motor Car Accident, in South Africa?
You want your car accident damages being paid for and receive your material vehicle accident damage compensation for destructions, suffered in a traffic accident on South African roads?

You are welcome to contact RAMLA to receive free advice after a free accident fact check to determine your position.

car accident in South Africa

RAMLA can be the solution in MVA matters

Do you know that RAMLA is a specialised expert in handling and enforcing or defending all kind of MVA (motor vehicle accident) matters, pursuing motor car accident compensation claims, for its clients - effective - professional - decisive and resolute, to best and affordable fees.

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As you may have recognised on our comprehensive web information platform, we do know what we are taking about.

We do invite anyone in South Africa, facing an MVA (motor vehicle accident) problem, to contact us for a first - free - analyse of your particular matter and initial advice how to proceed.

As a specialist in traffic accident recovery actions, we act for clients/members in the relevant manner, but based on a paid mandate or membership.

We do offer a free first advice, to determinate your case and give you a direction how and what may be the way forward, in order to build confidence with a potential client, but unfortunately we cannot supply a free pursuit for a practial claim.

As professional specialists, in charge of acting in motor accident damage claims in South Africa, we offer a well performing, decisive and demanding claim pursuit, at affordable fees.

  RAMLA will be your one-stop car accident claim service in South Africa

       motor car accident damage claim is complex             

When you need claim support for car accident damage compensation, in South Africa you are on the right web page.

It's so easy contacting us by email.

The effective way will be sending an email containing the nature, damage and problems detected. Once sent through to us, we will study the matter and after analysing the facts, we get back to you be email with the result and advice - free of charge.

If you like to explain your problem to our claim manager on duty, you are welcome to contact us by phone for an initial briefing on cell 076 770 3179 (standard rates apply).

For best results: dont't just call, once you took notice of the opportunity!

First think what you like to get accross, best file it as email and call therafter.

For reasons to convince you not just calling immediately, please follow: how to contact RAMLA successfully.

It will be much more effective; if we do get a briefing of the matter via email, before a telephone call, so we will be prepared answering your questions.

Car accident compensation claims for damages, may cause some headache, in

South Africa.

Not everything in a compensation action goes smooth and the way wanted, as we are confronted with numerous possible challenges.

RAMLA is a specialised expert in material car accident damage claims,

demanding, enforcing compensation actions, supporting disputes with Motor Insurance Companies or its agents, work in Ombudsman's review cases, or defend a motorist against unreasonable or inflated compensation claims.

Contact RAMLA to analyse your case, and get a free opinion where you stand and what to do next. You can contact RAMLA 7/24 and receive a response soon.

It's so easy, just e mail your story and attach what you got to make the RAMLA claim manager understand your problem.

Just draft a brief report of what had happen and send it (use this mail link) to RAMLA for free analyses and you will receive a reply soon.

Contact us now and let us know how we can help you?

car accident in South Africa

email us your story and details to for a free first analyse and advice.

RAMLA offers full legal support to solve car accident claims, a comprehensive claim preparation and action to enforce compensation, all the way up to a court case.

There will be differences in procedures and conditions, when you claim from your own comprehensive auto insurance cover to be compensated for a total loss or write off, as if you claim from the 3rd party.

If you claim from the 3rd party, liable for the motor car accident, none of your special conditions of your insurance contract or any other exclusion accepted to hold the premium low, apply. In case you claim from your comprehensive cover your contractual details of the insurance policy and the terms and conditions thereto will be needed to be respected.

Don't just thing your insurance will compensate you for traffic accident damage, full just as you as the customer are in believe to be insured all around. When you need to claim from your own insurance cover you need to know about your rights and terms you concluded with them.

To analyse the basis of a claim against your own insurance company, all relevant documents, such as the details laid down in the individual policy and the general terms and conditions must be verified. All factors that will have effect to the settlement offer to compensate your motor car crash damage must be disclosed in the documents before said.

Claiming against a 3rd party for damage compensation caused in a traffic accident, this will not apply and no private consideration, as insurance excess etc., you may have accepted in your own insurance contract to lower your premiums, are of influence to a 3rd party claim.

The difference may be significant as the 3rd party must compensate to the state the damaged car had been in, as to before the accident, but not more than the market value without any chance of downscale or impose other financial burden onto you the victim of an auto accident damage.

The major argument to claim from your own comprehensive insurance cover, given the other party is proper insured against 3rd party motor car damage claims, will be that you hopefully save time and let the recovery department of the insurance claim the compensation back. But there is still plenty space to play with you in the struggle to get some compensation and hopefully in time, as time is money and you cannot use your smashed motor car.

To rebut any such attempts to minimise the fair damage compensation, it will now be of importance to define the different values dealt with, sometimes confusing a victim of motor car accident damage.

Let us give a rough idea of the matter the different values referred on to qualify a motor car accident damage value in South Africa:
If you want support to be compensated for your car accident damage RAMLA can be your one stop solution.

Please contact RAMLA by e-mail contact.ramla for a free initial analyse of your case

Salvage in a car accident           Salvage in a car accident

Market value . . .

Market value of a motor vehicle, in general terms, is the price a willing buyer and seller agree to in a sale and conclude a deal.

As we are dealing with car accident damage compensation on our comprehensive web pages, the market value is a key figure in the process of compensation.

The South African law, states that compensation must get the victim of a motor car accident, back to the financial state in which the claimant had been, in regard of the damaged vehicle, before the traffic accident. But that only apply, once the other party will be found, or accepted 100% liability, for the cause of the car crash.

As a motor car loses value on a day to day basis, once on the road, this influence must be factored in, determining the market value of a vehicle.

How much the market value may be, is dependent on the type, age, condition, extras and mileages of the motor vehicle.

But there are different methods in determining a market value. The true market value is the average price a willing buyer must pay, buying a used motor car, to specification either privately or from a dealership.

Differently to the real world of car value, as to the offer on the market for used motor cars, South African motor insurance companies developed its own scheme, determining the market value for its use.

The motor insurer takes two values, that are corresponding to the type and specification in general, determining the value, as taking and adding trade and retail value and divide such /2. This method has no direct relation to the effective market value as mentioned above, as it is a theoretical value.

The trade value, taken into consideration, represents a recommendation for a car dealer to trade in a motor vehicle. Trading in means buy a used car, with the intention to sell it, for a better price to cover cost and profit for the dealership.

Retail value, is the recommended sales price to the car dealer, the specified vehicle will probably sell for. No car dealer will be bound on the retail value, pricing the vehicle on offer. It's the market, which allows a higher or sometimes even lower price.

Marked value, definite as above, will most probably be the amount a South African motor insurance company will base a settlement offer on. Once such settlement offer will be received, a cross check to the real business or vehicle trade should be made, finding out if the value offered will come close to the real market price.

Commonly the retail value, listed in the dealer scheme, can be one measure to be in place to determine a present motor vehicle market value, as it may be close to the auto trading world. The combination of trade and retail value, will ipso facto lead to a shortage of compensation value.

Anyway this calculation must or will not represent your individual motor vehicles value. Your motor car may be worth more, due to some extras or less mileage etc., or it may be of less value, if the average criteria's utilised in the schedule, will be overshoot by some factors as high mileage or bad condition.

Market value is the most important measure when it is to determine to have or have not a write off.

Once the calculation of the repair costs, getting your vehicle back to the state, before impact, are higher as the determined market value and uneconomical repairing in such regard, compensation will be granted to the maximum of market value, as the legislation regard this a the maximum compensation.

Given the market value calculated is not representing the fair market price of the damaged motor car, compensation automatically will be incorrect.

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There are several approaches to find the correct market value. You will find that the party liable to pay for motor car accident damages will probably downscale the market value.

Most often the determination if it is a written off, starts with a motor vehicle damage assessment, done by an assessor working in the order and pay of the insurance. Such assessors are encouraged to downscale the pro rata damage as good as possible.

Frequently seen, a victim of a car accident, after a subsequent vehicle damage assessment took place, will not even be informed of the findings, not mentioned that it may take some efforts to receive a copy of the damage assessment report, enable the claimant verifying the results. In doing some research, either about privately offered used cars, similar or comparable to the one damaged, or/and such sales offers from dealerships.

Properly listing some comparable offers, reflecting the major data of the vehicles, will be of support.

To find out about the true market value, it needs some initiative. If the values are mutual on dispute, the arguments to fight for full and fair car accident damage compensation, must be good and hardly rebuttable, to make the insurance company accepting or at least increase the compensation offer.

An experienced supporter, such as RAMLA can help you further the way to fair and full traffic accident damage compensation.

Submit your accident documentation for initial review by RAMLA claim service, and receive comments and recommendations, absolutely free.

Why good legal service is essential   to support your car accident damage claim in South Africa?

  Car accidents regularly comes with hassles   RAMLA carefully support you and claim professionally prepared to win your car accident damage claim for compensation.   Legal action will be taken immediately if the claim demands fall on deaf ears   RAMLA car accident claim management files your legal claim and interacts with local attorneys to your success

Listed Value . . . Trade and Retail

The value listed in the "Transunion Auto Dealers Guide", or in other professional value scheme's, is designed to provide the comercial motor car dealer with an idea of the average value of a motor car to present and defined conditions, whereby an average expectation and correlation to age, mileage and general condition as corrosion or interior as others, apply.

This means the retail value, listed in the Dealers Guide, will be a useful measure, if your motor car will match most of those anticipations.

There are two separate calculations in the dealer scheme to evaluate your motor car value, the sales or retail value (selling a vehicle to someone) and the value to buy a car or trade in (the price you will be paid or accounted for by trade in). The buying value will be significant lower than the sales value, as the difference is the dealer's margin.

To go a step further the dealer is in no way bound to sell any vehicle to the price listed in the scheme. It will be found quiet often that a motor car is priced higher as the value referred too. This is one factor that creates influence to the "market value" for a motor car on sale when the listed parameters are different to the sale offer.

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Salvage in a car accident           Salvage in a car accident

What cause a vehicle can be called "written off" . . .

When you are involved in a car accident and the vehicle crash had left you with serious damage to your motor car, so that it will be called a "write off", it might be tuff to be compensated fair and full.

It must be mentioned, that there may be different assumptions, when a motor car is written off, or beyond repair, once you claim from a comprehensive motor insurance cover, or your claim is called a 3rd party claim, meaning the victim claims from the liable party or the insurer behind him/her.

In regard to a claim against own comprehensive insurance cover, all the terms and conditions apply and it can be the case, that motor insurance policies or t & c, definite when the insurer will be able to call a damage being a write off, just when reaching a certain, but definite percentage of the market value.

In a third party claim such limitations don't apply, and writing a motor vehicle off, can only be established once effectively the repair costs will exceed the fair market value.

The challenge here is to manage getting compensation to the amount the motor car has been worth, in the state as before the auto accident damage occurs. This is what the South African law says. A write off will be seem, when the vehicle damaged is as severe, that it is really not economically to repair the vehicle, meaning the repair cost are higher, than the entire motor car value, carefully determined, as before the car accident.

The consequence will be, no repair will be authorised and instead paid out what the value has been.

RAMLA - Road Accident Management & Legal Action

car accident in South Africa

Get a unbiased and intially free reply to your inquiry where you are and what is the way forward - free of charge - just to enhance confidence trusting RAMLA expertise, before you mandate us.

if you want be paid compensation for yor car accident damages or in a need to defend you against unreasonalbe or inflated claims,

Contact us NOW

RAMLA is a specialist in motor accident damage recovery claims. Our team can help you through the process and minimise trouble affecting you in a claim.

Purchasing another car to similar condition, for the amount been compensated, can be a challenge

As a motor accident happened, there is nothing more to do, as containing the negatives to the smallest possible effect.

Repairing a severe damaged motor car, called a write off, is not a good option and only suitable for those, who know exactly what they do.

But a motorist lost the motor car in the crash, want and need being back mobile, meaning another comparable motor car must be found, best to the price of the compensation offer.

The recommendation will be, to check about the opportunities in the market for used motor cars, finding a suitable vehicle, before accepting any settlement, or request the other party to supply you with such comparable and suitable motor vehicle, instead pay-out of compensation.

In South Africa it will not be common, a victim will request such replacement, instead of pay-out, but a very comfortable and fair way of compensating the other party.

Once the settlement offer is signed, there will be no way back, if it turns out that there will be no such suitable auto replacement available, and any extra expenses will be to the burden of the victim.

When you need support to claim professional and very economically RAMLA may be the best choice

RAMLA (Road accident management and Legal Action), is a specialist in material car accident management in South Africa.

click here to learn more about the offer

Salvage and disposal of the wreck or scrap

Most of the time, the damages and scraped vehicle, will still represent a certain value, called salvage that needs to be deposed of, either remaining the property of the claimant, against deduction of the financial equivalent from the pay out, or become the property of the party that pay out the full damages.

Next to the question of correct market value, the determination of the salvage value can be a factor of dispute, but furthermore the practical disposal of the wreck, can be a challenge.

A wreck, or salvage in a motor accident, can be sold privately to a SMD (Salvage management and Disposal) or scrap yards etc. It must be expectable or even assured that the salvage can be sold for the value calculated, once a claimant is demanded to dispose it. It will bear a risk, disposing the salvage without an offer to purchase to the condition assessed.

It must certainly always be looked on the disposal of salvage individually, but only a person who knows exactly what they do, should consider disposal or even repair the wreck to own conditions.

Enforcing a repair, despite the facts are that the status of a write off must be accepted, will not be possible and not covered under South African law.

But it is often observed, that the assessors from insurance companies, send for a vehicle damage assessment, qualify a motor car as "written of" too soon.

Further some insurance companies in South Africa trying making own rules, to what they qualify a write off and what they are likely to accept to pay for compensation.

It is proven fact that some insurance companies apply "standard procedures", by i.e. making just a percentage of the assessed value of the damaged vehicle as a basis to decide make it a "write off".

But remember, influence and change can only be achieved, before a settlement agreement is signed.

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Nationwide RAMLA Claim Service
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RAMLA - Road Accident Management and Legal Action - is one of South Africa's most experienced and decisive advocates to sort out legal disputes with parties, Insurance companies or act in defence of clients confronted with unreasonable or inflated claims.

Car accident issues that matters most:

We are legal specialist in motor car accident damage recovery matters and offer our services to those suffering damages or in need to defend unreasonable or inflated claims.

Taking on disputes with motor insurance companies, engage in unfair declines or apportionment of damages, take matter on review to the Ombudsman, or even get matters to be judged in a court of law, should all fail to find a solution before the escalation to a court of law is inevitable.

RAMLA can get you through the trouble, for just some affordable fees, commonly just equal or lower then towing/storage cost may be.

We are one of the most experienced, decisive advocates, when it comes to car accident problems - issues of compensation or defence against unreasonable or inflated claims, bad repair practice and much more.

We work only on those motor car accident matters.

Check us out, so you do know if we can uphold we say, free of charge.

Welcome to RAMLA


How going forward once there is a claim or dispute or other challenges?

Well, once someone checks a web site as this one RAMLA presents, there will be some sort of a problem.

It may either be that there is no response from the liable party's Insurer or a repudiation, apportioning or any other decline, such as to violation of terms and conditions.

Lot of those issues may not be according to valid law, and just a reaction of someone in charge don't care, not having the necessary skills or just follow a strategy to get rid of valid claims, should not be accepted.

RAMLA as a specialised legal expert can solve such problems, just for a fraction in fees what you may miss out, if you don't have the right support. It should not be the correct way and get a claimant just been brushed away, isn't it?

Just take the time and contact, tell us about the matter and let us take care of it.


Defence against unreasonable or inflated claims?

RAMLA can help you most effectively to get a claim dropped or eased.

The results defending someone against whatever claim, if it isn't as clear what the implications are and what evidence the other party/Insurance do have, are very good to stand through, even if a summons may be served.

The party alleges or accuses is forced to proof the claim and not the demanded party.

Many Insurance recovery claims fall short of such reliable evidence and therefore can be repudiated, even if it comes from attorneys or recovery agents.


However we do handle every substantial MVA claim,

against whatever party, Insurance, reluctant party or company successfully, given the merits of the issue are clear and stand a challenge.

Should it not be so in the first place, we do all we can to improve such merits to get the matter being a strong case.


Chances of success, if there is a strong case, and any other winning guarantees?

Those are questions we hear frequently, before a new client is prepared to accept some fees.

But telling the truth, chances of success are entirely based on facts and evidence in every particular case and there cannot be any guarantee being better as proof and evidence.


You want to visit a local RAMLA office in your area and have a chat with one of our experts?

We are very sorry telling you, that we have chosen a different way of performing our business. In order to hold overhead costs low, and not compromise on expertise, we have decided to act from one central, but not public office in the Western Cape.

In order to hold fees low and offer very competitive rates compared with other legal services, we decided to concentrate intelligence and contain costs in this manner.

Anyone who likes to visit his/her adviser or attorney should not choose RAMLA as a favourite as we cannot honour just that.

But we can deliver the way we operate effectively wherever you are in South Africa and with whom ever we have to deal, effectively, decisive and affordable.


What about fees, must they be paid upfront or can it be deducted from recoveries?

Let me answer the question in short.

Yes, all fees need to be paid up before we take action.

Why is that so?

Our fees are as competitive low, that we cannot enforce any such fees economically, if someone just take our services and thereafter give us hassles to pay.

Any local attorney will do the same, as asking for a deposit, commonly far higher than our entire fees are, upfront.

In general those deposits are offset against fee notes and further deposits requested in due course.

We dont do that. We deliver services not billed on time issues, but on performance phases, which gives cost certainty and the assurance to be taken care of the full matter.

Contact us to get more detailed information.


Any doubts about our capabilities or performance as this offer is an anonymous one on the web?

Well I must accept such doubts and can only point out and rely on the many we served before and who may be contactable for reference.

Check out what we display on our comprehensive web pages, which will back up our knowledge and experience without a doubt.

Anyhow we will never accept a mandate before we have had a first free analyse of your particular matter and if you aren't satisfied with our reply, simply don't go on with us, despite it may be detrimental to you.

We value a fair and open informative strategy that will please most of those with an open mind to new technologies as email etc.

But we can only do what we offer and if you aren't happy with such offer, just get into contact with your local lawyer.


Should you have been through all the before . . .

and still think we can be the one to solve your motor vehicle accident compensation problem in South Africa, just get in contact with us.

You're welcome to be served perfectly.

Kind Regards Your RAMLA team

Nationwide Claim Service

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Involved in a car accident in South Africa and like to know what to do?

When it comes to a legal action in a court of law, the details are important.

RAMLA do know what is of importance and guide matters to success.

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enhancing mutual business at no cost to either side.

Please follow the link to the industry above to learn more about the offer.

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