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


car accident in South Africa car accident in South Africa car accident in South Africa car accident in South Africa






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
(RAMLA)



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



Claiming or enforcing damages, when involved in a traffic accident

Legal Issues in relation to motor car accidents and claim enforcing actions in Court





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






car accident in South Africa car accident in South Africa car accident in South Africa car accident in South Africa


        
  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.

    



 



RAMLA Claim Service



  More Issues of high interest

 

Free accident fact check

Enforcing car accident damage compensation

Full and fair compensation
Timeframes to claim

   Accident documentation



Pursuing a Claim for compensation

      How to file a claim    

Importance of proof
Disputes about damage
Merits in a claim

Offer to settle a claim
Insufficient compensation

    Unrealistic claims against you   
Support to prepare a claim



   Claims against the uninsured

Claims against employed driver
Claims against car owner



   RAMLA claim support

Free accident fact check

How communicate/interact with RAMLA



   RAMLA Legal Claim Support

Claim Defence
Claim Mediation



RAMLA's track record
   Affordable claim service
RAMLA's claim service



Report your accident
Police Accident Report (AR)



If and when - The right Attorney
Insurance claim vs. you



e-mail   Contact Ramla



Other Issues in the Sector of:

Towing
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 motor car insurance company - offers you an unacceptable settlement as compensation for your vehicle accident damage?

It may well be you struggle to motivate a motor insurance company in South Africa, to pay your claim for Car Accident damage compensation, which may be on disagreement, rejected, dismissed or repudiated.

Merely the hope or trust to receive a fair and full compensation will generally not get your there. Inevitably you need adamantly being behind the claim to have success at the end.




car accident in South Africa



car accident in South Africa



Below find some issues of interest in regard of motor insurance matters in South Africa.



South Africas motor insurance companies are well known, not to solve all problems and don't honour all the promises they make, just in a flash.

Fair auto damage compensation is your goal to come out of an motor insurance claim properly and satisfactory in South Africa

Insurance companies' procedures to handle motor car accident compensation claims:

Vehicle damage assessment ordered by motor insurance company.

What must I do if the insurance car accident damage assessment is unsatisfying?

Claim against a motor insurance company for damages caused by one of its insured motorists?

Car accident damage claim against uninsured vehicle drivers - RSA

Mediation to compromise, avoide escalation and legal disputes.

Offer to settle your motor accident damage claim.

Insurance declined dismissed, rejected a accident damage claim?

Insufficient compensation is not acceptable

Claims for material damage, out of comprehensive insurance cover

Inflated or unrealistic high compensation claim against you?

Insurance recovery claim must include any shortfall in compensation

What does 3rd party motor insurance cover mean?

Risk and Chances disputed, denied, rejected or dismissed claims

Your motor insurance Terms and Conditions are crucial to abide

You should know about claims, regarding comprehensive cover

Want support to be compensated? RAMLA is your one stop solution

What is a no claim bonus? Text

If your motor car is uneconomical to repair, be on alert!



car accident 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

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





Keep this in mind when dealing    . . . with insurance companies!

Insurance companies' procedures to minimise car accident compensation

The insurance company paid the damage to its insured, but claims back money from you?



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


  Material Damage suffered in a car accident





When you receive an unacceptable settlement offer from an insurance company in South Africa to compensate you for car accident damages, you most probably need help to get them going further and to accept the 3rd party motor damage claim, or your own claim, based on the comprehensive motor insurance cover you concluded with the car insurance company.

We all know that lots of traffic accident victims, involved in a car accident on South African roads, try hard to solve the vehicle accident compensation matter.

Some motorists work hard to get fair compensation in dealing with the other parties on their own, before they look for support, if no amicable or even any solution can be achieved.

Fair compensation is achieved, if you will be able to repair your damaged motor car in a traffic accident, comfortable to the state it was in before the accident occurs and that should be done in a reasonable time frame.

Those are the basic needs any car accident victims want to see achieved.


South African law reflect just this as it states generally that the perpetrator will be liable to pay for the motor car damage to be repaired to the state the vehicle had been, before the accident impact.

Unfortunately the common experiences with motor car accident claims is, that much too much time is consumed before any kind of settlement will be reached. Due to a lack in South African law, that not all of the motor accident victims are entitled to claim for car hire expenses, as this is presently restricted to just business/earning needs, meaning only if one uses the vehicle to directly perform the job or business, will be entitled to car hire compensation.




car accident in South Africa



car accident in South Africa























car accident damages in South Africa







RAMLA - Road Accident Management & Legal Action - offers professional, decisive but out most affordable claim service to recover financial losses emanating from material motor car accident damages, in South Africa.

What do we mean saying professional?

Well that's easy and simply means we do that as our core business on daily professional bases and do have adequate and knowledgeable personal to effectively do the job.

What do we mean saying decisive?

It simply means, we are behind the case and prepare, demand and resolute execute any matter, we will be entrusted and mandated to do.

What do we mean saying - out most affordable?

By following a unique business and service concept, we are able to deliver quality convenient and competent car accident claim pursuit, but to lower fees other will be able to offer its similar services. We do offer a variety of service options and will gladly supply you with our service and cost scheme.

As RAMLA don't want to rush someone into a mandate, we make it a prerequisite before we hand out our service scheme, to give you a free first case analyse - free of charge - in order to determine if we can effectively help you to get what you expect.

We don't want rush someone into just a fee trap by taking on cases of which the success will be limited from beginning, which can be due to several and always individual facts as we strive to deliver what we promise.



car accident in South Africa



Site Map - Claim pursuit related topics -

Engaging in a compensation claim, to be paid for car accident damages in good mood and trustful to be treated fair, is the expectation one rightfully can assume and being well and receive compensation pay from the other party and/or certainly from the motor insurance company.

The ultimate goal is arriving at a fair settlement and pay out as quickly as possible.

But there are challenges to overcome in due course of a claim.

RAMLA - Road accident management & Legal Action - is a specialist in supporting clients or members in enforcing their rights.

Below you find what we like to get to your attention in terms of what may relates or have the potential to cause problems in a compensation claim recovering car accident damages, in South Africa.

car accident in South Africa          car accident in South Africa


Motor car accident damages in South Africa, how documenting, claiming and enforcing compensation?

Claiming or enforcing damages, when involved in a traffic accident
What is the task of the police attending the scene of the accident?
How documenting the motor car accident properly?
Preparation filing a compensation claim recovering damage
How to get on with a practical claim recovering damages?
How long will it take to be compensated to be compensated?


Back to page selection




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.

Page 1

How can I receive . . . full and fair car accident damage compensation? (RSA)

Caught up in a traffic accident looking for fair compensation can entail a lot of work and have the potential of creating headache.
When you are involved in a motor car accident
Getting your fair share of compensation is influenced by the determination of liability
Determination of liability - Damage analyses - and Demand are the components of pre-litigation actions




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RAMLA - Road Accident Management & Legal Action


  Car accident damage claims    car accident in South Africa

dont't solve itself !

Page 2

How long does it take to get compensation for car accident damages, in South Africa, when one is involved in a traffic collision and suffered material damage?

Unfortunately, the time and efforts needed to be spent unless it comes to a final compensation payment cannot be predicted as all car accidents are unique and different. Major time consuming and not calculable factors are:
The efforts made preparing and document the compensation claim

Behaviour of other parties, especially motor insurance companies

Legal actions in a South African court of Law

Execution of warrants after a successful legal claim



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RAMLA - Road Accident Management & Legal Action


  Car accident damage claims    car accident in South Africa

dont't solve itself !

Page 3

What you need as proper car accident documentation!

It is highly recommended that you should not underestimate this crucial part to support a claim for car accident compensation, as you have to prove your claim by any and all means, even if you suffer the vehicle damage.

Police Accident Report true complete and correct

Your own notes or better own accident report

Photographs showing the scene and damages

Details of all participants and make sure they are correct

Witness details - make sure they will testify

Notes on relevant issues, business data if the driver employed

A sketch of the accident scene showing traffic signs and vehicles

Proper quotations including everything to repair your damage



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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.


Page 4

must be done for damages caused by one of its insured motorists?



Unacceptable settlement offer from an insurance company

Must I accept to dispose / sell the scraped motor car to the salvage value the insurance calculates?

Car hire compensation and who is entitled to use a hire car



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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 5

Steps filing a claim to be paid for car accident damages! (RSA)

Who can help me in car accident matters in South Africa?

What to do after a car accident crash in South Africa?

Involved in car accidents hat the tasks getting paid?

Caught up in a road accident looking for solutions?

Acting not to suffer disadvantages in motor accident cases?

What are my rights and obligations in a car accident, South Africa?


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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 6

Insufficient proof exposes a car accident claim to risks.

What does means proof in car accident matters?

Quality of proof, in a suit of law in court will make the difference.


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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 6_1

What creates disputes about damages or reasonable vehicle repair costs?

Demand to compensate or pay inflated car accident damages ?

Shortfall in calculating or not accurate assessing car accident damages

Rebutting inflated claims for motor car accident compensation

Unreasonable claim and dispute about quantum of damages


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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 6_2

Highlight your merits and facts you do have in order being successful in recovery claim.

Highlight your merits in your claim demand

Substantial details proofing quality and virtue in a claim

Put forward facts and evidence by submitting hard proof


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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 7

Offer to settle your motor accident damage claim.

What means or is an offer to settle?

What consequences will a settlement do have?

Obstacles can be expected in settlement offers

What makes a good settlement agreement?

A concluded settlement will be final and no recourse possible!



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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.


Page 8

Insufficient car accident compensation is not acceptable



Calculation of damages is incorrect

Challenges derived from biased damage assessments

Be aware of something important before any practical assessment

Arguments utilised downscaling or partly denying your claim

Unexpected results: Your motor car is called "write off"



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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 9

Inflated or unreasonable claim against you?



Inflated claims for compensation, can have several reasons.

Don't accept unreasonable claim, without double-checking

Need to fight an unreasonable claim?


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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.


Page 10

How starting a compensation claim against other party?



What is a claim for compensation of car accident damages?

Steps & actions claiming, recovering damages from another party.

Your accident documentation is to start with the car accident claim

Assess the damages to your motor vehicle

Filing a letter of demand recover vehicle or property destruction

Enter into correspondence with the parties involved in the accident

Finding common ground for a settlement agreement for pay-out

Legal actions in a court of law, getting unbiased settlement

Service of a summons to the other party suing for payment

Complexity of a legal matter in a South African court of law


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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 11

Claim for compensation against uninsured car drivers?



The liable party must pay your damages insured or not!

Difference in a claim against a not insured motorist.

Should a case against a non-insured car driver be taken to court?

Basic 3rd party motor insurance cover should be compelling!


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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 12

Accident damage claim with an employed car driver



Traffic accident with a commercial vehicle and employed car driver

How processing a compensation claim against the employer.

What can be the challenges facing a reluctant employer?

Company denies liability saying the employed wasn't in the wrong.


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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.


Page 13

Circumstances a motor vehicle owner can being liable for car drivers negligent actions and sued for damages!

Car Owners duty maintaining the vehicle roadworthy

Liability of car owners for negligent remunerated driver

Negligent unremunerated driver and liability of car owners

Car owner passenger in the vehicle, liability for negligent driver



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You need support enforcing your motor car damage compensation?


  RAMLA car accident in South Africa
RAMLA - Road Accident Management & Legal Action




Page 14

Claim enforcing compensation by suing the liable

Being part in traffic accident, gives all participants urgent tasks

What do you expect from your recovery agent?

RAMLA offers you a first - free - analyse of your individual case!

RAMLA document service supporting your own claim activities


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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.


Page 15


You want to know more how RAMLA helps you being paid and what to know before you contact us?





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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 16


How to communicate and interact with RAMLA claim management?

What should my car accident report to RAMLA include?

Get initial free advice on your claim matter


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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 17


RAMLA in-house legal claim service support you through the entire car accident claim process?

If you want support in a legal suit in a South African court of law



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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 18

Defence and defensive actions against a claim, another party demand or serve a summons against you

Don't accept just any compensation claim against you.

What are your options defending a legal claim for compensation?

Criteria's deciding defending car accident compensation demands?

Activities after receiving a letter of demand

Defence once you have been served with a summons



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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 19

RAMLA support clients/members by mediation in a disputed car accident damage compensation claim





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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 20

RAMLAs daily routine is managing and legally pursuing car accident claims, in South Africa (SA).





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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 21

Learn more about services RAMLA car accident claim service offers solving your problems





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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 22

Facing the need to initiate a compensation claim

Preparation of a claim for motor car damage compensation.

Formulate and serving a demand, addressing issues and values

Corresponding and exchange documents a basis for a settlement

Formulate agreements or check a settlement offer from another

Legal actions serving a summons

Legal procedures in a court of law in jurisdiction of the matter

If a case has been won, payment due still outstanding



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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 23

Report your accident to the police and gather support of the proof you need!





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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Page 24

South African Police Accident Report Track and Trace motorists or data

Police Accident Report (AR), documenting participants and circumstances of your car accident.

Track and trace data of participants in the traffic accident, unlawful withhold or gave false data!

What the law says . . . in the event you cannot motivate police for investiagtions to track the person cheated!



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RAMLA - Road Accident Management & Legal Action


  car accident in South Africa


Just a tip for all those, who are insured and face a motor accident damage claim:

It is important to comply and report any matter to the motor insurance company, that can affect any kind of liability, even if it will only come to the fore you believe its forgotten about already. This is what most of the terms and conditions or South Africa's motor insurance companies stipulate and force the insured to comply, otherwise the insured is going a risk losing the cover.

Starting a claim and getting in contact with the insurance claim negotiator/administrator/broker, you will be asked to supply a case or reference number and to serve a number of standard documents to proof that you are entitled to claim, in the first place.

Most often these documents copies are: Car registration paper, driving license, calculation of damages, an accident report and sketch, but there may be other documents wanted individually.

The next step will be (depending on the damage value and nature of the accident) the insurance will send a motor vehicle assessor to calculate the damages on behalf of the insurance company. According to the following assessment report the claim negotiator will hopefully attend your claim and will ask you for more evidence and/or witness etc. if they feel it's needed.

The insurance admin will compare the accident report of its client with the information compiled in your own report. If both versions are compatible the pursuit of a claim may proceed amicable.

Problems will occur once both versions of the circumstances will not match each other. This can be the time the claim become a dispute and you as the claimant and the one suffered the damages must make efforts to proof your version of the matter.

One should not be surprised, that the insurance per se will support the version of the insured client and don't give it much doubt, even if you put forward logical and precise evidence.

If you will be contacted by the insurance assessor or the claim admin for an interview, be prepared. The results of such inquiry have sometimes seen to be strange and don't corresponding with what you wanted to strengthen. Don't go without a witness.

Other problems can have its origin in sphere of the insured party, as to non-compliance with the policy, which can be to various occasions.

As we lay out before, only a small number of claims launched with an insurance company in South Africa, will go right in the first place. You may face to be offered insufficient motor vehicle damage compensation or you need to look for explanations to what reason and why the insurance offer will be as bad.

There are a variety of factors, ranging from a complete denial over being accused of partial liability, or even just in facing differences about the value or range of effective damage to your property etc.



car accident in South Africa car accident in South Africa car accident in South Africa car accident in South Africa


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.

Contact RAMLA (Road Accident Management & Legal Action), tell us your Motor Vehicle Accident story, the issues of concern, the problems you detect or face and get a free check and advice how to proceed. We will check and analyse your individual case and revert to you - most of the time in short circle -.

For best results contact us by email initially, give us an idea of the incident, attach one or two pictues of the damages or relevant situation, the extend or value of the damages suffered - if already assessed -.

In case of an Insurance claim decline, supply us with a copy of the repudidation letter, of give us the reason for the rejection and name the Insurance Company.

Should you like talking to us (phone contact displayed below), do that after the initial email briefing, but keep in mind even we need some time to check about your matter first.

You are welcome to utilise such valuable absolutely free inital advice. *

 
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, Insurance dispute resolutions, for its clients - effective - professional - decisive and resolute, to best and affordable fees.

car accident in South Africa car accident in South Africa car accident in South Africa car accident in South Africa
 


As you probably 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 get 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, if a need of practical support arises.

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.

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 by email (most commonly within about 3 hours), 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.






* please note that a practical claim pursuit will not be free of charge and comes with a paid mandate, but at reasonable and affordable fees.


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

in South Africa.

RAMLA can be the solution to sort out MVA problems.

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 ramla@ramla.co.za for a free first analyse and advice.

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



Don't give up easily in your efforts to claim, even if you face obstacles.

Getting on with the claim, just for fair compensation, you can easily find yourself in trouble and be brought near frustration in the process of the action.

It will be a rare fact, that you will agree with what you hear form the motor insurance claim admin/negotiator at once. The insurance admin often and repeatedly applies baseless arguments in an attempt of denying a claim.

Fair compensation means, that at least you can repair your motor car to the state it had been in, before the traffic accident happened. This is exactly what the law says a not liable party is indeed entitled to.

But to get there can be a long way that needs engagement to arrive at a fair solution. All needed actions to achieve this objective, are certainly depending on your individual matter and no general advice can be given.

It's a pity that South African motor insurance companies too often, gets away from a fair pay of compensation. The first reason therefore is just the behaviour and the way they handle the claim process.

Lot's of motorists processing a claim, are quickly exhausted about what they actually be confronted with. An answer to your e mail can easily take a week or more, just to get it. A reply doesn't' mean you get forward in your process, if you just receive an answer stipulating just the same baseless point of view, instead of careful evaluation of your arguments.

Most of the settlements with South African motor insurance companies are concluded far below fair compensation. Victims of road accident damages give in too quick and sign a too low settlement offer, just to end the process and pay a substantial portion of compensation they are entitled to, out of their own pocket.

You should not do that. Get someone knowledgeable and professional to your side and get on with the claim, unless a fair settlement can be concluded. RAMLA, the author of these web pages, is one of such knowledgeable supporters.

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Let's give you some examples that can lead to a shortfall of compensation in a 3rd party insurance claim, (but not only in a 3rd party claim, it can easily come to problems and differences with your own comprehensive motor insurance cover, especially if you had claimed before and internally - at the side of the insurance - not been classified as good risk anymore):


Claim denial based on collision of facts

1. The insurance company get a different statement from its insured as what you argue in your claim. They easily buy in the story of the insured without any check or doubt, whatever it says, not liable or partly liable.

It's on you to get the matter presented fair and competent, but it will by far not be granted, getting your arguments accepted. The time factor is on the side of the insurance company and can make you week and give up.

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Differences deriving from biased vehicle damage assessment

2. After a claim is reported to the insurance in charge, most often they will send an insurance assessor to calculate the damages. The findings will serve as a basis for any further insurance action. You certainly must not accept the calculation as representing the effective damage and you may disagree.

Discrepancy can arise in the calculation of damages or in interpretation of the findings and conclusions, how the accident must or should have unfolded.

Based on the conclusion of the assessor, if damages matches or not, the insurance company may reject a claim, simply saying these vehicles cannot be part of the same accident.


In a case, the insurance say it's a "write off" and calculated compensation based on its own terms, such compensation calculation will only apply to you, if you claim from your comprehensive cover. If you claim as a 3rd party, you are in no way bound to any insurance terms other than those of the law.

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Problems rose from questions of liability or partly liability

3. It may be, you will be blamed to be partly liable or even completely liable for the cause of the accident as they say, you did something you better haven't done, and they want you to be liable - paying for your own and the other vehicles damage, instead of compensating you.

Any such argument should be investigated sorely, if you don't agree. To demonstrate you are in the wrong, most often you will be presented with an extract out of a similar case, a court of law has dealt with and that cited judgment and the circumstances given, may be taken as proof to blame you.

Very often such arguments can be rebutted with another case scenario, just coming to the opposite decision. Don't buy in all at once, if you won't agree.

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Facing a recovery claim to pay back the insurance

4. A recovery claim is meant, if a motor insurance pay a comprehensive insured what he is covered under his policy, but this insured person is not seen to be liable not been negligent or the course of the accident, subsequently the other party needs to pay the damages.

The insurance company just want you to pay what you may be liable for, to them, as they now act for the party that accuses you to be liable for the accident.

In doing so, they sometimes mandate an attorney to pursuit the claim, or they may operate an own recovery department and those people will demand your pay, or even make use of any other source working in traffic accident cases, to recover for themselves and for shortfalls that an insured may need to accept, due to the policy covered under.

You just need to see a recovery as an equal to regular claim enforcement.

Facing such claim don't mean you are automatically liable and one has all the rights to defend or even demand yourself in a counter claim, if you believe and can proof not to be at fault at all.

If you will be accused to be the liable party and seen to be the course of the motor accident, you face a recovery claim and be sued for all the expenses the insurance paid its insured and further more for any shortfall not covered by the insurance policy, but due to the victim suffered the losses.

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Fight for your rights and don't give up too early, just being tired of fighting

Insurance brokers or claim negotiators/admins acting on behalf and under general instructions of motor insurance companies, don't move fast without being under constant pressure.

The experiences had shown that some or even many of those people, in charge evaluating and authorising or reject the pay out of a motor insurance compensation claim, remain in obscure positions in dealing with the claim and in an attempt to argue against a claim, until the un-doubtful evidence placed in front of them, that is in fact overwhelming and beyond reasonable doubt, that there is no chance for them to play foul and that they cannot repudiate your insurance claim.

Get them into this position, where they need to accept a well-founded car accident claim. But be aware that even a well-researched motor insurance claim can be declined out of sole discretion of the insurance company and you don't have any influence how they arrive at a decision.

To have someone as RAMLA (Road Accident Management and Legal Action) to your service can make the difference in order for you to receive your motor crash damage compensation fair and full.

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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
 

read more about: Steps to be taken when filing a claim

Please find more information to select from below:

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
                                                


Aspects and options

RAMLA membership

RAMLA membership   covers for, the benefits and services

Tasks and actions in pre-litigation periods

Specials for membership for NEW members with an existing case

RAMLA tariffs    Individual - Family - Business

RAMLA membership   Terms & Conditions

RAMLA membership is your ticket for relaxation if it comes to any kind of MVA (motor vehicle accident) issues to be solved by membership









Nationwide Claim Service
SMS your problem to RAMLA 076 770 3179 or best send an
e-mail contact.ramla




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  FAQ  frequently asked
     

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                  before  an  accident
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Showcase your business


If your business operates in tangling industries to motor car accidents and you like to have exposure on the RAMLA web pages in this column, simply contact us with your request.

RAMLA further offers a link exchange, if we mutually agree that it will be a benefit.















RAMLA Expert Partnership


Become a local partner of our Nationwide Network of experts in adjacent industries, such as:

Legal profession

Panel beater or auto
     body repair workshops


Independent vehicle
     damage assessors


enhancing mutual business at no cost to either side.

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




SMS "network" your name and industry, place of business to 076 770 3179
and we call you, or send to
e-mail info@ramla.co.za




Towing industry . . .
     partner with RAMLA




Towing any vehicle to safety, after a traffic accident, will be ideal to promote RAMLA highly economical and outstanding claim service to enable the party to claim or defend for material motor car damage compensation, and take part in RAMLA rewards program.




































Conditions for free first claim analyses: RAMLA offers first free analyses of your motor accident case, in order to enhance your confidence. Therefore some data and material will be needed to submit to RAMLA for an individual reply. In such circumstances, RAMLA will have the free copyright to publish case information and of photographs on our web pages, designed to inform others about real instances, without exposing your private data.








The content of the RAMLA web pages has been put together with outmost care and will be improved constantly. The information given is designed as information platform to solve motor car accidents problems in South Africa. Any advice taken from the web pages or drawn from a free first analyse of your individual case, does not constitute any legal advice.

RAMLA cannot be held liable for any damages on whatever reasons out of the above, if the information given will be wrong, incomplete or misinterpreted.








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