Motor vehicle accident damage claim enforcement
- defence against inflated or unreasonable claims
- Motor Insurance disputes - claim declines

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Recovery material damage in a car accident

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.

    Insurance       RAMLA - car accident damage claim service South Africa

You do have an issue with any kind of Car Accident claims, disputes, rejected claims or the need of enforcing your traffic accident compensation, in South Africa?

Car Accident Claim rejected

RAMLA - car accident damage claim service South Africa
You may contact RAMLA at all times, free of charge for advice, even at late hours or on weekends as well as public holidays.

Via email you are welcome 7/24 and receive a response in reasonable short period of time. Phone calls are less effective, but can be utilised, during business times.

RAMLA is a specialised legal Expert in regard to Motor Vehicle Accident damage compensation enforcement, or assistance in defensive actions against unreasonable or inflated claims.

Our highly skilled and experienced team of experts work decisive, swift and economically affordable, to solve car accident issues.

RAMLA is a specialised legal Expert in regard to Motor Vehicle Accident damage compensation enforcement, or assistance in defensive actions against unreasonable or inflated claims.

Our highly skilled and experienced team of experts work decisive, swift and economically affordable, to solve car accident issues.

Any Questions?

Contact us now by email and check out, if and what, we can do for you.

Our free initial case analyse offer is available for you NOW, free of any charge or obligation.

This free offer is worth almost as much as the costs for briefing your local Attorney where he/she takes your case instructions and will bill most commonly R 1500.00 or more.

So don't hesitate as it's easy, comfortable and will be answered knowledgeable in short time.

No appointment, no office visit and no costs.

      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.

car accident in South Africa

Free case analyse and initial advise!

Dear valued reader, checking out the RAMLA car accident compensation platform; obviously you do have some traffic accident damage issues to solve.

Contact RAMLA via email now          Check this before you contact RAMLA for more information about          a free check of your particular case issue and advice.



Insurance rejected Car Accident Claim

Don't be fooled - badly treated - and do not accept unfair Settlement offers - from any South African Motor Insurance.

             If anything doesn't go to plan, get professional support.             RAMLA may just be the right service

Motor Insurance cover gives an insured some protection against the risk of car accident collisions in public traffic for compensation of damages caused in traffic accidents. But by far not all claims will go through smoothly. Be aware of a variety of possible obstacles.

Obviously there are differences as how South African Motor Insurer handles compensation claims. There are comprehensive insurance cover policies and 3rd party cover contracts. The comprehensive cover safeguard both - damages to own property, such as the insured vehicle and the 3rd party damages - as third party cover only indemnifies the insured against claims made from other parties for compensation of destruction out of vehicle accidents, they are deemed to be liable for.

While the outmost important task for a comprehensive insured motorist is to maintain and adhere to all obligations concluded with the policy contract, not risking problems if it comes to claim for damages, 3rd party claims are more vulnerable to deep scrutinising of circumstances and subject to defensive actions or short falling settlement offers.         Don't compromise without good reason!

This RAMLA web platform providing much information on almost all interesting issues in connection with MVA - Motor Vehicle Accident - matters. If you do not find you look for, use our  keyword search     page and look for the related keyword.

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.

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car accident in South Africa

Motor Insurance Information

  More Issues of high interest

Free accident fact check

Motor Insurance companies'
Fair Compensation
Insurance procedures

   Insurance Damage Assessment
Unsatisfying assessment
Insurance Accident Investigations

Claim vs. insurance

       Claims against the uninsured
Claim Mediation

Offer to settle

                 Insurance Claim decline

Insufficient compensation!

                 Ombudsman's Rulings   

Compensation claims against you?

   Insurance claim back - Recovery

Third party insurance
Comprehensive Insurance

   Insurance terms & conditions

What you must know avoiding disadvantages

Motor Insurance Excess
No claim bonus

       Market value - Value "written off" - Listed Value

Salvage - Scrap - SMD

   RAMLA legal in-house service

e-mail   Contact Ramla

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.

Welcome to RAMLA - Insurance Matters - South Africa (RSA)

If you do have any problem with a South African Motor Insurance, Broker or Claim Adjuster in attending, pursue or decide your claim, just let us support you.

Motor car accident disputes with Insurance Companies, regarding a compensation claim action, are common in South Africa.

A high number of car accident compensation claim disputes arise on a daily basis.

More often than not, it will need some understanding, expert knowledge and experience in handling a case, to have a successful outcome.

One should be aware, that when filing carefully all those applications an Insurer requested,

sometimes additional - perhaps misleading - claim information be given to impress or even confuse applicants, citing precedents or mention possible Apportionment.

Most Insurance companies contain such into the basic claim information provided, to launch a TP or Third party Claim.

A Claimant reading such information, should not be worried too much, as all or most may not apply to a particular case.

Launching a claim, will not mean one can expect a prompt or fair solution, right away.

Many obstacles can come along, of which one - the denial of what been put forward - is not accepted by the Insured who allegedly caused the accident and by doing so, just by denial and put forward a different cause of matters, known as conflict of facts a Claimant must argue and proof.

The Insurer will tell, the party claiming must proof.

Proof is the challenge and needs facts to support the claim and shouldn't be taken lightly.

It will be crucial to know what facts can support a claim.

Having one or more witness who testify and corroborate the issues, will be a huge benefit.

But often different to the Law, as a Judge hears a case, Insurance Agents may discredit potential witness and do not accept testimony, other as those been seen as independent eye witness come with credible statements, best in the form of an Affidavit.

A credible and accepted witness must stand by the testimony, even if interviewed, in order to find out if the statement must be discredited or accepted.

Contact RAMLA - for a free first check of your particular issue, if you are struggling to be compensated fair and full, preferred by email to

Should you like knowing how RAMLA works for you and/or what you should provide us with, for a free first analyses check out:

   RAMLA contact Info

Car accident lawyers and professional claim managers, enforcing traffic collision damages.

We are specialised legal expert's in all respects to motor car accident damage compensation claims or defence actions.
RAMLA works in claiming damages, defending against unreasonable or inflated compensation claims, acting in Motor Insurance disputes, regarding car accident compensation matters, over a long period of years.

We attended thousands of requests for analysing, supporting and pursue material car accident claims, effective and economical.
Such excellent service can be to your service in South Africa, Nationwide.

Road Accident Management & Legal Action (RAMLA) can professionally represent clients, taking care of their interests, which can be the solution you may looking for.

You will find a lot of useful information on the RAMLA (Road Accident Management & Legal Action) web pages
Confronted with the need of defending against inflated claims, it isn't as challenging as perhaps thought and worth doing so.

Utilising the right knowledge and decisive defence action, most unreasonable demands can be solved or stopped entirely.

However proper defence against such unreasonable vehicle accident compensation claims or actions, will be crucial

Contact RAMLA - for a free first check of your particular issue, if you are struggling to be compensated fair and full, preferred by email to

Should you like knowing how RAMLA works for you and/or what you should provide us with, for a free first analyses check out:

   RAMLA contact Info


RAMLA offers:

Free initial claim - dispute evaluation and advise in regard to a motor insurance issue

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Free case analysis

RAMLA offers a first free analyse into the details of a particular motor car accident, in order advising what will be your position, your aspects and the recommended way forward.

After checking the brief information - we like you to supply us with via email,- in order to determine the situation, especially the question of causation, liability and subsequent responsibility for compensation under South African traffic legislation and circumstances.

In cases of a motor insurance disputes, we look onto the merits and the reasons leading to the dispute, in order to advise.

What is needed to do so and best submitted via email to will be:

1. Brief information what had happened, the road situation, arguments others may utilise, your position/point of view of the matter, you look for initial advice.

2. A reference to damages and values are appreciated or one or two pictures of the damage may be submitted, so we can check about the rough damage value.

3. Probably a sketch of the scene of the accident, showing all the vehicles involved in positions - before - at impact - after impact (still stand) and further display important road marks, traffic signs, robots etc.

Kindly make sure you give us your initial briefing in your own words and don't just forward a full set of dispute information to be scrutinised, as this isn't part of the free advice offer.

Please further make sure your attaches do have a reasonable size, especially pictures, as some devices today take exorbitant and absolutely unnecessary high resolution pitures.

Contact RAMLA by following this email link   Contact      and secure a swift and free first advice, returned to you by email.

Should you want to know before you contact? Follow this link to   more info.

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There are lots of terms on what reasons South African motor insurance companies reject, deny or repudiate to attend a damage claim.

Firstly seen, there are arguments citing a breach of the insurance terms, meaning the car insurance company tells you, that you failed to comply with one or another term of your policy duties. A breach of the motor insurance policy terms you can be accused of are, dishonesty or short payments, negligent behaviour that you violate the rules of the road by telephoning as driving, being under the influence of alcohol while driving, or having an not roadworthy vehicle illegally on the road, up to the argument that you are not a legitimate driver, or did not disclose that the vehicle is relocated from the area of your residence to another for a longer period of time and unfortunately much more.

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They say you have withheld them the opportunity to calculate the risk insured with you to the true circumstances and therefore reject the claim.

Facing an insurance dispute with a motor insurance and having the claim dismissed, which is an easy way for the car insurance claim negotiator in honouring his task to reduce compensation claims to the absolute minimum, by rejecting a claim at all, if there is the slightest possibility to do so.

We don't say that this is what you always need to expect from your insurance company, but as soon you are classified as a more severe risk, resulting out of claims before, it will be more likely facing them to get away from your new claim. A so called - good risk - if you did not claim before but paid the premiums for some time, will make the insurance company to be more generous not to look into all they probably can do, not to lose you as you are still deemed an acceptable risk.

Other car insurance problems that may lead to a dispute can easily be caused by the motor vehicle damage assessment. If the findings of the damage and stated in the assessment report are not correct, you need to oppose and combat the stated outcome. Most often the insurance company take the - often party friendly - findings of a vehicle assessment as basis for any settlement offer and frequently even reduce such numbers stated in the assessment report by standard approaches to certain percentages etc.

Luckily you don't need to accept all your or the insurance company of a 3rd party tells you, but you need to be prepared to repudiate the arguments brought forward and proof them wrong.

RAMLA handled lots of such claims for clients/members to be compensated full and fair.

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.

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car accident in South Africa

To our experience 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.

Insurance companies offer you motor car insurance cover, to take over the risk for car accident damage compensation payments, when the insured is involved in a motor car crash.

When a motorist must compensate a 3rd party for auto accident damages or have to repair own vehicle damage, the insured can claim from his/her insurance policy according to the individual schedule.

There are a lot of different insurance companies in South Africa and all offering a variety of insurance cover, thought to different terms and condition in specified insurance tariffs.

Watching the insurance company's adverts offering its insurance cover, one must be under the impression that nothing is easier, cheaper and more favourable, as to have motor car insurance.

Indeed motor car insurance is a very useful tool, but the insured must be on alert all the time to keep all records up to date and always have the premiums paid in time.

Motor Vehicle Accident

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

Lot of problems may arise, if you give your insurance company a reason to decline or reject a claim, despite you paid all up to date trust to be on the safe side if any car accident claim comes your way. A variety of reasons for an insurance company, most often are based on those terms and conditions you agreed upon, when you are not taking the small and seemingly unimportant things serious and comply to all times. For example, if you fail to inform your insurance company of the relevant regular driver, there will a high possibility that your claim may be rejected on such argument.

It will be good for you, if you try to have proof of what and when you submit something relevant to your insurance company.

Generally a motor car insurance policy, to be covered for car accident damages, either for 3rd party claims or even insured comprehensive (paying to cover your own auto crash damages according to the tariff chosen), will be a good thing, or even better that all motorist in public traffic have to have at least a 3rd party cover for vehicle accident damages. Ideally this should be obligate for all motorists in South Africa, before driving in public traffic.

As there is a culture of competition by South African motor insurance companies, for the lowest tariffs/premiums to pay haveing the motor vehicle insured, but still offering excellent service when there is a need to claim from such motor car accident insurance cover must not mean you may be inconvenient surprised when you are in the hope to have sorted out all you wanted, not struggling if you once be involved and liable for car accident damages. For those who are critical enough to see the interdependence between low premiums and generous compensation, it will not be a surprise if the premiums are low and the compensation should be high, will be not the rule as rather the exception.

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Before you insure your motor car it must be looked onto the details carefully prior choosing a motor insurance tariff or policy.

Enabling the insurance company to offer low prices for such motor insurance cover, there will probably be the need of different tariffs with altered covers, they may say to you - tailored just for you.

That may lead to exclude things; one believes should be covered under the insurance plan at all, but may be not under the specific insurance policy offered.

But when it comes to a motor vehicle accident claim launched to your insurance company, some insurance companies or its brokers try down scaling the risk covered.

The claim negotiator in charge will look into your insurance plan, in order to find loopholes and subsequent to lower its payments for claim compensation.

Insurance companies more often than not, apply strategies to avoid or minimise such compensation payments and it can be a challenge to have the claim accepted, to the conditions that enables the victim of motor crash damages to repair the vehicle professionally.

Rarely one will be paid out what have been initially claimed for and being suitable to be full and fair compensated for traffic accident damages, without putting high pressure and good arguments on to such insurance brokers or claim administrators that handle the claim on behalf of the insurance company.

Even the Ombudsman for the short term insurance recommends putting pressure onto the insurer, when no amicable settlement can be reached.

Lot of South African insurance companies have in common, not to be very active if a claim is launched. Some manage to be very silent and/or most often have arguments in place to downscale the damages or shift liability to other parties in terms trying to blame the other party to be partial liable, or use other arguments to get around the compensation payment. All those measures must not necessarily be the right ones, but sometimes suitable to confuse the claimant.

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car accident in South Africa

It had even been observed, that South African insurance companies, represented by the claim management, argue against its own terms and conditions and simply apply to positions that are not in line with your individual insurance scheme.

Such things can be the argument to reject a claim.

Other conflicts can arise out of an insurance vehicle damage assessment, i.e. finding the tire profile of one tire too low or apply other terms that might be suitable to dispute the insured car has been roadworthy to the time of the accident.

Disputes about the market value and applicable repair costs are very common, therefor the insurer make your vehicle a "write off" claim. Such "written off" claims must be looked on very carefully and where possible it should be rebutted as such. A claim called a total loss can easily end up to your disadvantage and most often you need support to be able to rebut such classification successful.

One should be aware, that the slogan used by South African motor insurance companies, to pay out "immediately" . . . . . if the claim is approved. This final acceptance is needed, before they pay, when you claim.

You need to go through the full process to arrive at an approval that suits your claim being able to repair the car accident damages professionally and to manufacturer's standards.

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car accident in South Africa

This can take time and being sometimes a challenge. Unfortunately that can take weeks or months; eventually you even need to go to court, to sue your own insurance company to pay.

If you are in dispute with your own insurance company, you can relate the dispute to the Ombudsman for short term insurance in South Africa for review.

But don't make a mistake believing this will be quick and without hassle for you. The Ombudsman's office is poorly stuffed according to its own statement and it will take probably some months before a review is finalised.

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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.

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car accident in South Africa

Motor vehicle accidents happens every day on public roads, often causing damages to property

Utilise the affordable professional solutions RAMLA offers clients in South Africa, to solve such repercussions.

Car Accident Claim rejected

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We do have the expertise and know how to act for you.

Experience exceptional service, testified by clients, even after hours or weekends, giving you a peace of mind your case is taken care off, no matter what.

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

                  Professional - competent - swift - decisive and affordable

Road Accident Management & Legal Action (RAMLA)

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Your first stop solution for any MVA problems - in South Africa

Declined disputed or unsettled Motor Insurance Claims
- the process of challenging it -
for a better outcome and a pay!

Matters of car accident compensation claims, addressed to a South African Motor Insurance, can hold a variety of challenges in order to be compensated, fair and in full for financial losses, innocently suffered in a car accident.

Once a party to claim from is identified and found insured for motor accident matters, a claim be launched and attended to by a South African Motor insurance company.

A compensation action can be approved, partly accepted or denied/rejected.

In a worse case, a compensation claim may be declined at all, but should be looked on in detail, before accepting and not dispute such decision.

A rejection or decline of a compensation action, is just too easy to be done and misused to an unacceptable extend.

Unfortunately the focus often is on minimising or avoiding compensation and not on fair compensation to a victim, suffered damages without having contributed to the causation, as another negligent motorist just didn't obey to his/her obligations in public traffic and fairly deemed liable for the cause of impact and damages.

In today's time, it is more often observed, that particularly 3rd party claims with weak evidence and without credible witness, are easily declined, just relying on the insured's controversial and denying statement.

After the 3rd party insurance requests a Claimant to submit a number of details, in an application to claim, and often further intimidate the Claimant in laying out what the process and the timeline may be, telling stories of law of delict and try impress the Claimant with citing precedents that may affect a claim in general, the Claimant submitted the claim in hope of relief, waiting and insecurity is a stake.

If another or insured party in a dispute, just deny what is claimed and do not acknowledge the launched 3rd party claim, it may just be denied, if not a lot of fact based reasons make it difficult just to do so.

Any caim denial you may not regard as fit, do not just accept such decline, if you do have some facts that can proof the claim. Contact RAMLA for advice and support.

The two main sections of compensation claims for material or financial losses from traffic accident damage, are those coming in a so called 3rd party claim, or in an action against own, comprehensive Motor Insurance cover.

The outmost important and frequent on-going issues, a claim with or against South African Motor Insurance Cover can come with, are listed below for further selection,to check upon in more detail.

What will be crucial if it comes to insurance claim disputes or declines

It is one of the most unwanted developments, when the insurance company decides disapointingly and dispute or decline reported motor car accident compensation claims.

The way the insurance admin looks onto the matter isn't predictable and unluckily they do have a lot of influence on the development of a claim. As mentioned in other sections, the motives and decisions and cited reasons, aren't always acceptable.

As a matter of fact, all those disputes or declines, short falling settlement offers must be looked on in particular and in detail. There is no general approach at all.

The reasons are manifold and range from violations of terms & conditions to accident scenarios, times of impact, type of destruction and importantly, declines or apportioning of liability, in terms of contributable causation.

car accident in South Africa

RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable.    Contact RAMLA for your support to have a damage claim paid or defenced.      Contact     

car accident in South Africa

Types of disputes, declines or shortfalls in claims with a South African Motor Insurance

1. Decline based on divergent or colliding statements

2. Decline based on alleged breach of the rules of the road

3. Decline based on examination of circumstances

4. Decline on violation of Insurance terms & conditions

5. Dispute, shortfall emanating from Apportioning liability

6. Dispute, shortfall in regard of market value, pre collision
    value, salvage or policy conditions

7. Dispute, shortfall based on damage assessing

8. Disputes with and about recovery actions an Insurer
    launches against 3rd party

All the above may lead and can be a challenge to arrive at an acceptable deal with any party after the car accident, but it can even be more challenging dealing with an insurance company, having its own view on what had happened or what is at stake to compensate.

Often an experienced support in motor insurance matters, such as RAMLA offers, can trigger or facilitate a solution, which may well be much higher in benefit as in financial cost to contribute for such services.

Declining or apportioning a claim for motor vehicle or car accident damages, is just too easy in South Africa (RSA).

Any such decline or other disputes about the cause and liability for the traffic accident, may cause some problems to sort out. RAMLA is a specialised expert for MVA solutions in order sorting out or resolve problems which ever type they may be. You are welcome to RAMLA.

Login on to a web page, such as RAMLA offers, looking for information's how South African motor insurance companies acting, indicates that there is a problem, a person may have with one of the South African Motor Insurance Companies or 3rd Parties, already.

Differences or disputes can arise easily and may be based on a lot of different aspects or factors. It is however worthwhile to know, that not all decisions, declines or settlement offers, made by an representative or claim handling admin/broker, acting for a particular Insurer, are indeed correct and according to all legal aspects.

There is a wide field of misinterpretation of South African law, calling on out dated precedence or citing the law just from one prospective, where another angle to look on the same matter, may come to a different determination and therefore to a divergent compensation result.

Sometimes a compensation claim, to get your car accident damage paid for, may get along smoothly and without hassles, but certainly a high number of disputes with South African insurance companies, arise on a day to day basis, of which a number of them aren't decided or entertained as fair as could be.

RAMLA - car accident damage claim service South Africa

Traffic accidents causing car damages happen every day on our roads, in South Africa. The challenges to get compensation for destruction to a vehicle or motor car are different, as to the circumstances and situation.

A short breakdown of the headlines on this page will be found by just scrolling down a bit. Those information's given, are of a general nature and it may not always explain or attend to a particular situation, as a perfect solution for a individual matter.

This is why RAMLA - Road Accident Management & Legal Action - offers a first free analyse and response to persons, faced with motor car accident compensation issues.

RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable.    Contact RAMLA for your support to have a damage claim paid or defenced.      Contact      car accident in South Africa

RAMLA is a specialised legal expert in all MVA - Motor Vehicle Accident - matters and our work is focused just on solution to get compensation paid, Insurance disputes solved or taking defensive measures against unrealistic or inflated claims.

We may well be one of the most experienced experts in MVA compensation matters in South Africa. Anyone having a problem within the spectrum is welcome to contact us.

Contact RAMLA, in what way best to do and what we need knowing to reply

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

Motor insurance cover and decline/dispute risks

Motor car Insurance matters and facts to look on

Keep this in mind when dealing with insurance companies

     Maintain a good relationship with your insurance

     The risk profile of the insured or nominated driver

     "Good risk" are beneficiary "Bad risk" detrimental

Dispute resolution with motor insurance companies

Insurance policy value for newly covered vehicles

Motor insurance companies, tend to minimise the pay-out

Insurance Cancellation of the motor insurance policy

What is important if it comes to claim disputes or declines

Headlines and Issues on this page

Contact RAMLA for a free fact check and advice

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Dealing with motor insurance cover provided by a South African Motor Insurer can come with challenges. Some of them are to be found below, just follow the link.

Declined: Comprehensive cover - Claim rejected

Declined: Third party Claim - Claim rejected

Declined: Violated terms & conditions as to Insurance Policy

Declined: Policy cancelled alleged violated Terms

Declined: Investigations into the accident circumstances

Problem: Settlement offer short - Apportionment / Causation

Problem: Recovery Claim - Insurance paid client - recovery

Problem: Acceptance and Liability - offering paying Excess

Problem: Disputes in Insurance claims - Solution & Challenges

Solutions: Dispute Resolution with the Insurance Company

Solutions: Disputes against own policy, Ombudsman review

Solutions: Disputes resolution by taking legal support

Headlines and Issues on other linked pages
car accident in South Africa   Your specialised expert to sort out MVA matters

                  Professional - competent - swift - decisive and affordable

Declined or Apportioned Claims you want sort out

Motor insurance Investigation in reported claims

Headlines and Issues on this page

In order for you, finding your answer on RAMLA web pages, we list just a number of common issues you may be interested in. Just follow the link to the answer or contact us for indiviual advise.

car accident in South Africa        car accident in South Africa

Click here for Insurance Site Map - An overview of relevant Insurance Issues

Some common issues you may have with motor insurance companies are:

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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.

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.

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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.

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 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.

Dealing with South African Motor Insurance Companies in claim actions

Motor car insurance will at least give you some sort of security, but still entails a lot of factors to look on, and can be declined, if chosen the wrong tariff, or non-compliance with the conditions.

Motor insurance cover is a good thing to have, driving in public traffic. As we all know, a motor accident can occur anytime almost unexpected and comes with damages and hassles.

There are two major protection solutions in the South African motor insurance marked, to safeguard a motorist against losses emanating from an auto accident. The one will be a 3rd party insurance cover, meaning that this cover can pay for damages inflicted to another party and being liable for the compensation.

The other option is a comprehensive motor insurance cover that protects even own property, in case the other party does not pay, or even if you damage your vehicle without another one involved, but not intentionally, or recklessness triggered the damages and thereby violate the insurance contract conditions.

Another benefit may be, if properly insured, that most of the South African motor insurance companies take over a lot or all the work, to pursue the claim matter on behalf of the insured.

However this should not always be understood as to act in favour of an insured, but rather motivated in order to secure influence to process to the claim to the means and measures the Insurer deem fit and protect its interest at least as much as that of the insured.

But unfortunately, by far not all motor insurance compensation claims ends up to the satisfaction of all and a lot of room for argumentation and/or denying claims are at stake, every single day.

The fact that even a high number of disputes exists, between clients and own insurance, can be drawn from the messages, launched by the Ombudsman for short term insurance (OSTI) offices, that daily some hundred claims reaches his offices, in need of review of decisions made by insurance company in regard to its own clients claims, one may not want to accept.

Unfortunately a significant number of claims are decided to the detrimental of an insured, often based on one-sided, not properly researched Insurance decisions or on technical terms, such as violation of terms & conditions and/or other, sometimes not acceptable reasons.

In order to safeguard against such declines, it is of outmost importance to select and know carefully the cover chosen, and more critically adhere to all those conditions coming with the policy.

It is very important to   know of all the obligations and critically abide    thereto in order avoiding the need to challenge a negative decision to get the claim paid, despite such initial decline.

RAMLA (Road Accident Management & Legal Action) is a specialist to challenge any kind of motor accident damage compensation problems, in South Africa.

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car accident in South Africa        car accident in South Africa

You found the RAMLA web pages by research for answers as you probably do have any kind of problems with motor car accidents in South Africa. The comprehensive web offer will give you a lot of inside and you should look on the   Keyword Search    for the selection of the topping you want to know about.

Let me say, that dealing with road accident compensation matters is not always easy and it can be of advantage for you to get active RAMLA claim support to sort out what is at stake, professional decisive, convenient and most affordable.

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

  Material Damage suffered in a car accident   Be careful when handling your car accident claim   RAMLA car accident claim management enforcing damage compensation   Lucky you when the car accident damage is repaired

contact us for support in recovery of your MVA damages

Keep this in mind when dealing with motor insurance companies, before taking cover.

Once a motor insurance policy with a South African insurer is concluded, you certainly do hope to be covered for eventualities and/or losses, should you been tangled in a traffic accident.

Most of us know that the promises insurance companies make in their advertisements or on TV and other media, does not always really reflect their daily business practices. Generally spoken, the insurance companies like your premiums more than the payment for car accident damage compensation and some insurers, albeit too often, take chances to drop down or downscale the pay-out liabilities.

This will certainly not automatically mean that you cannot trust your insurer, but rather make sure what type of cover and adhered conditions you choose, best before concluding the contract.

Let us make an important statement here:   car accident in South Africa

Buying a car, either 2nd hand or brand new, keep in mind and know what you want, if and before you take up motor insurance cover, but even best before you buy a car or take a new bought one onto the road. Don't just rely on recommendation of a dealership.

Be aware that any cover can be revoked, if the premium isn't paid, this is especially important regarding the first premium payment. No one should trust any promise of cover, once the policy is concluded, neither made by a broker, or a phone or written application is launched.

Get your car to the road only, if you made sure the first premium is paid and received by the Insurer, not to take the risk of losing the new bought car or not be covered for damages, if the accident happened just you got the new car on the road.

Once the policy is made out and supplied, the premium is still to be paid. Commonly it's done by means of a debit order, perhaps scheduled to a due date. This date isn't regularly the date of purchase and proposed utilisation of the new car.

Once getting the car on the road in South Africa, everybody is exposed to an unforeseeable motor accident!

The insurance cover however will only be reliable, once the first premium is paid. Everyone should be aware of that gap and the risk associated.

So, best make insurance arrangements before buying the car and take it into traffic and don't wait for a debit order, rather pay the first premium yourself, via EFT or other payment options and proof the payment to the insurer and certainly hold a copy of it.

The recommendation here is:

Only take the car to the road, once the first premium is paid!

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Once an accident happened, regardless of the nature and repercussions, it should be reported to the Insurance

Any claim or any possibility a car accident can lead to a claim, even very much later unexpectedly, you may have already forgotten about it, must be reported to your insurance company in time and according to the individual requirements of your terms.

It is of critical importance that you make sure you can proof the insurance company effectively received your claim report, even if you don't practically claim.

It will not be good enough just to present a copy of the police accident report, if your insurance in a later action tells you, they never received the insurance claim report. Don't make a mistake here, that happen and not only occasionally.

Insist of a written notice, they received the claim report and keep all records at least for 3 consecutive years. Only after the period of three years the matter will prescribe and you can rebut any claim just on this reason.

It's a relatively long period and a claim can be made and summons served, even on the last day of the time frame.

RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable.    Contact RAMLA for your support to have a damage claim paid or defenced.      Contact      car accident in South Africa

Maintain a good relationship with your insurance company, but more important abide to the terms you accepted with your policy

The best way to ensure a good relationship with your motor insurer will be that the insured comply with all its obligations.

It does unfortunately mean that you must make sure that every part of your terms & conditions are met and your policy is kept updated and being true and reflect the current circumstances of drivers nominated and where the insured vehicle is operated, but still much more.

When a car accident damage claim must be launched with your motor insurance, all must go accordingly to the terms and conditions one have accepted, within the insurance policy for your motor car, to have a valid cover and be sure having the claim entertained, accepted and paid.

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The risk profile of an insured client and the nominated or registered driver, is used to calculate premiums.

The question whether or not you may find it difficult dealing with a damage claim, may be explained by the matter that most or even all, insurance companies categorises insured, in terms of the risk profile.

The initial risk profile, by which the premiums and conditions of the insurance contract will be established to the first time, and based on those information the Insurer get from the applicant in the application process, either in writing, filing an electronic form, telephonically or at any other means, such as a brokers application.

The strange thing however is that the Insurer just takes that information, which can be tricky in detail and possibly be misinterpreted, i.e. in regards to accident history etc. and then don't verify the information supplied. Most just issue the policy and take the premiums, despite they do have means to check on a number of information, supplied in the application, if such satisfies the policy and tariff requirements.

Despite South African motor Insurances do have, or can access some or even wide reaching information pools, in order to verify the risk coming with the new application, they don't necessarily do so.

But once a claim is reported, the risk factor will be evaluated and checked. If found those information's supplied are not the same as the reality shows, the claim is in danger of decline.

Most Insurers only check if the supplied information are updated, complete and honest, once a claim is reported for indemnification.

Depending on the particular circumstances, investigations can take place, which in turn, depending on the outcome, can have an negative influence of a claim.

The Investigator will be send out to look on any such conditions locally and will interview a number of persons to find out about the situation, if i.e. the car is regularly used by the registered driver, or by someone else. It will be checked if the vehicle be overwhelmingly utilised in the area named in the policy etc.

All inconsistences found or assumed, can lead to problems up to a full claim decline based on the argument, that different premiums may have applied and the Insurer been withhold the right to do so, as the obligation to inform them had been missed.

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Clients be regared as "good risks" are treated preferable, while "bad risks" face scrutiny

Given one will be categorised as a good risk, you will find a generous support while a bad risk, someone who need to claim more frequently, or in an early stage of a new concluded policy, will be in trouble easily.

A claim will be handled with more suspicion and much more scrutinised, if you just concluded the motor insurance policy and unlucky being involved in a car accident, as if you being a long term client, bravely paying the premiums and rarely put in a claim at all.

That is absolutely understandable.

It means to be protected and get the claim paid; all must be according to the contract agreed upon. The daily problems however are that investigations, sometimes or more often, are taken lightly and have a tendency to be biased, as those Investigators do know what they are send out for and like to be reappointed again.

Claiming short after the contract had been established - let's say within some days, month or even a year - you have to make sure you acted strictly according to what you concluded with your policy, not to go the risk that your claim is denied or rejected.

Another way to get your insurer being very critical about you will be, if you are meant being a "bad risk", meaning you have had a claim just recently or even a number of claims already.

Both circumstances above will certainly make your insurance company sceptically looking into your claim and let them try to find out something to reject your motor insurance claim.

If a claim or a new claim is launched and is in dispute or declined, it must be looked on the full picture and the decline challenged, unless there is an effective and proven violation of the terms or policy condition.

If suspicious that the reason for denying the claim or allegations brought forward, are not true and not substantial, the decision should be challenged and facts put forward to sustain that the claim cannot be declined on such basis.

Other critical aspects to look deep into a claim and its circumstances are, if the car accident happened at night time, as alcohol may be a reason for loss of control over the car, or damages are not according to the regular circumstances, as the expected manner of traveling in a particular part of the road, or the experience of those claim analysts/deciders telling them to be on alert, claim matters may go wrong.

RAMLA - Road Accident Management & Legal Action - can support you on this sometimes stony path, to come forward and getting paid for your motor car accident damages.

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                                                     Back insurance Site Map

               Contact RAMLA . . .   for your free initial case analyse   Now
               Know more about the free first case analyses before contacting RAMLA?

car accident in South Africa

RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable.    Contact RAMLA for your support to have a damage claim paid or defenced.      Contact     

car accident in South Africa

Dispute resolution with the Insurer's in-house department, before escalation of the issues to OSTI or a court of law

Disputes can arise easily, if both parties, the Insurer and the Insured, do have a different expectation of the outcome or valuation of facts or circumstances.

It will commonly be the case, if the claim is either declined or the offered settlement deems to be insufficient.

Entering into dispute with the Insurer, is often not being successful, at least not with an easy attempt. It will take some affords and to bring about critical facts that cannot easily be ignored. Some insurance admins remain on ridicules positions, despite better knowing or overwhelming evidence.

It may be, that one of those obstacles are due to incentive payment forms, that pays the one insurance admin better, who more successful decline or reduce pay outs, so there is a benefit for the admin and the Insurer, but detrimental to the insured.

However, it will be advisable to enter into the dispute to learn more, if any substantial information will be given, other than just repeat the decline, but even a pre-requisite to go to the Ombudsman for review, as to have exhausted all other avenues available.

car accident in South Africa

RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable.    Contact RAMLA for your support to have a damage claim paid or defenced.      Contact     

car accident in South Africa

What will be important to know before concluding a motor insurance contract

When concluding the insurance contract you should know what risk you insure and which exemptions you may have or like accepting, in regard to get lower premiums to pay for your car insurance policy.

One must always be aware of loopholes or other exclusions before or when the contract is concluded.

One should really know for what risks indemnification (insurance cover) is wanted, being involved in a car accident to whatever time.

When it comes to select insurance cover for your motor vehicle, you should be fully aware of all excluded risks, and the obligations coming with the contract, which should meet your expectations, when you are choosing a tariff to insure your motor car against accident damage, caused by you or your driver to other parties, or additional protecting your own property against losses.

The way only looking on premiums can be a trap as all calculate the risks individually and not knowing what will be behind the cover conditions can become costly, perhaps even a full loss of premiums paid, but eventually do not have any cover.

Selecting the tariff to insure your motor car against a 3rd party vehicle accident claims, or if you chose comprehensive motor insurance cover, but because you are looking for the lowest premiums and you do not understand your individual terms & conditions, neither read the small print nor clearly understand it, you may be on risk.

Concluding a motor insurance policy will most often be short after one bought a motor car. You should be aware that your cover with most Insurers will only be effective, once your first premium is paid. If you take the car on the road, before the premium goes off your account, you most certainly do not have cover.

The value a motor car may be insured for under comprehnsive cover

If you bought the motor vehicle for a certain price and you believe this will be the value your car will be insured for and paid in a claim, you may be disappointed.

In case of an accident damage and the car be a "write off" uneconomical to repair, the insurer will only pay a client to the maximum of the current market value, calculated as adding Trade and Retail Value diveded by two. If the car been purchased for a higher price or financed higher as the market value, to the time of an accident, there may be a shortfall.

Some take on a "cover up" or "top up" policy for such differences, but it may be still don't cover your expectations. You can only make sure your cover is to expectation, before you need reporting a traffic accident claim and make the necessary amendments.

One must note that the insurance company don't take the car value according to your purchase price, but from values they take from professional value publications.

Having said that, it means if you need to spend more money purchasing a motor car as the value publication suggest as market value, there will be a shortfall in a claim, even if it will be paid to 100%.

Further depreciation (loss of car value thru use and age) will be calculated for every consecutive month you drive your car, to an amount coming from the same source. That means the maximum pay will decline month by month, but you still paying the same amount of premiums.

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The question of true and fair market value carries a high potential of dispute. Remember that most motor vehicles, once on the road will lose value daily, and you never will be compensated higher than the current market value of you automobile, or it has been in the pre collision state, before the traffic accident, should there be other factors as existing damages or unregular wear and tear.

Let's say your insurance cover for your automobile will be R 200 000.00 and you pay the premiums for this amount of cover, but your motor car will only be worth R 145 000.00, calculated by an insurance assessors assessment, you will find the pay-out be limited to the lower amount, despite you believe you will get the compensation you think your car is insured for.

Another issue can be: the small print could state that you are only entitled to compensation for used parts for car accident repair, if your insured car is not under factory guarantee anymore. That is one of those terms & conditons to know about.

As a rule, the insurance business is orientated towards profits (which is not to be criticised), but the industry should further act in the interest of the insured client and respect the legitimate demands of victims to be paid damages, the client caused and is covered for such risks and claims.

Everyone strives to get the best possible offer, as paying less but getting it all. But if your premium offer is for a smaller amount as the competition's proposals, you should make 100% sure that you will have all the cover you wanted.

The scale of cover will always have a direct relationship to the amount you pay for it. That means all discounts or lower premiums offered, may have a condition attached, the client must honour, not risk cover or even have the policy cancelled, if the Insurer find out that the condition are violated in a fraudulent manner.

If you are liable for car accident damage and you report that to the insurance company for perusal of compensation, you should know that the insurance company is not directly liable, or a party in a claim, especially not to the 3rd party, who suffered the damage.

In a case the 3rd party is not happy with the insurance settlement offer or claim refusal, they must sue you for payment directly and not the motor insurance company. That can mean you have to attend demands or even court cases. To avoid such hassle one should support the car accident victim in pressing on to the insurance company to solute the matter.

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               Contact RAMLA . . .   for your free initial case analyse   Now
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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.

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

South African Insurance companies' procedures to minimise compensation pay

South African motor insurance companies frequently try to minimise or avoid payment for car accident damage compensation (partly or fully).

Often it can be observed that insurances do not accept or entertain a case, where the insured don't accept liability (probably even against evidence) and not pay for material car accident damages at all.

It can further be the case that the insurance companies claim management or broker only accepts a portion of responsibility, in order to dispute the alleged liability and blame the other party being partly liable, acting negligent and/or contributed to the course of the accident.

A method of doing so is, by citing case law, sometime inappropriate cases and arguments referring to court cases, that had been dealt with in similar matters and that had ended up well for the insurance in similar circumstances.

Furthermore one can find another case for the similar circumstances, as no case will be precisely as any before, coming exactly to the opposite decision, making it worthwhile to investigate before buying such rebutting argument.

An ordinary or general motorist cannot be expected of having sufficient knowledge about such precedential arguments and need advice from experts, to clear up the air and get the claim on track.

As no car accident will exactly be the same than any other before and therefore those arguments aiming to mitigate the payment, for car accident damage compensation, should not be accepted, unless one is convinced, the precedent will in fact acceptable applying to the individual case.

In fact it is true that a motorist do have a wide variety of responsibilities and duties as to traffic legislation and it is even true that there isn't an absolute right of way. But once a car driver adhered to all expected from him/her, apportioning liability should not be applicable or only to a lesser extent.

Some more information about the duties a motorist will have in driving the car, may be found by following this link to elementary duties of a motorist

car accident in South Africa

RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable.    Contact RAMLA for your support to have a damage claim paid or defenced.      Contact     

car accident in South Africa

Another way of down scaling the material damage, suffered in a car accident can be, through a damage assessment, performed by a more dependent than independent working car accident damage assessor, in charge for motor insurance companies, calculating parties damages.

Next to the determination of the insurance driven damage assessment, an insurance appointed assessor do have even the task to minimise the repair cost and dropping down the pro rate claim value.

The insurance company may even claim the other party's car hasn't been in an average stage of maintenance and condition, as a regular car with similar age and mileage will be in, or utilising whatever arguments they deem fit, to drop down the damage calculation to the lowest level they can.

As mentioned above, lots of dispute can or are based on different points of views, of what had happened or how conditions are to be interpreted.

It is important to know, that most often the terms and conditions of insurance policies do not allow the insured party to be cooperative and accept any liability at all. The insured may risk loss of his/her insurance cover, if they do acknowledging liability.

That means that one should not expect too much cooperation from the liable party, in a motor car accident claim, even if insured against such risks.

We do regard such conditions contained in the insurance policy as lightly saying, disappointing and not in the sense of the character of what insurance is expected to be for, namely protect clients and victims against financial losses, one cannot pay out of its own pocket, as to the sudden and unprepared impact and the severity and cost intensiveness of car accident repairs.

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

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South African Insurance Company cancel your entire motor insurance policy

Cancellation of the policy is a serious matter for all those to believe in Insurance cover.

Insurance is a business and to be a viable one, the premiums must cover all costs and expenses and even so the profit margin expected.

That means the majority of policy holders must pay far more as they may ever profit from any insurance cover, or motor insurance contracts. They are designed to give insured clients a buffer or cover, by indemnifying an Insured against risks of using a motor car in public traffic, in the old days called a dangerous machine.

The motor insurance client expects to be covered against unexpected and perhaps unbearable risks, emanating from car accidents and subsequent damages. Damages and subsequent claims for compensation can be extremely high or even neglect able low.

As we talk cancellation of existing motor insurance policies or revoke subsequent cover, an Insurer elects to perform, may have a number of reasons. All will have in common, that the Insurer deems the insured as too risky, as to contribute to more damage or losses, the policy must cover, as he/she may ever pay.

A person contracted for motor insurance cover, did most commonly do so, to have some sort of financial safety, should out of whatever reason a car accident may happened and damages to own or 3rd party property to be sorted out.

One has paid for such cover over some time and now be effected by a cancellation, may just get into a risk short after such - most commonly - unwanted one sided cancellation of cover. Results can perhaps be devastating or suddenly be an unbearable financial risk.

More bad news may come with a one sided policy cancellation from an Insurer, as it may well cause hassle or real problems to get new cover from another Insurer, thereafter. The reason will be, all South African Insurance companies do not want risks, but they want premiums.

In order to evaluate risk profiles of motorists, they do exchange/share risk information, often without knowledge of the Insured.

If there had been one cancellation, the other Insurer just refuses to enter into a new contract easily, if at all. There will not be much of questioning, if the previous Insurer cancelled the policy on reasonable grounds or not.

Should someone face such scenario, the only advice will be, drive more carefully and save the premiums not paid, seriously and separately from other savings, to build up a buffer to cover at least common financial car accident damage risks.

Please find more information to select from below:


Nationwide RAMLA Claim Service
SMS your problem to RAMLA Cell

076 770 3179     or best send an

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 for clients, confronted with unreasonable or inflated claims.

Car accident issues that matters most:

We are legal specialists 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 and solve unfair declines or incorrect apportionment of damages, oppose a wrong assessed Quantum, or take a matter on review with the Ombudsman (OSTI), to get a matter of comprehensive insurance dispute reviewed.

Sometimes, if a matter cannot be resolved in a full attempt, and the case need to be heard in a court of law, should all fail to find a solution in pre-litigation, the escalation to a court of law is inevitable, we will suppot the action.

RAMLA can get you through the trouble, get reluctant parties moving serving Summons, 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 motor car accident matters.

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

Welcome to RAMLA

Road Accicent Management & Legal Action - South Africa

RAMLA - is an experienced legal expert in most MVA - Motor Vehicle Accident - issues.

We act professionally and decisive for the - Demand of damage Compensation - Dispute Resolution - Defence against inflated or unreasonable claims, as well as for damage recovery caused by bad workmanship after car repairs.

With more than ten years of professional experience, well educated stuff, knowing the subject of car accident issues and solutions, we have advised many, many inquirers in the first steps to take for a solution,

- free of charge - ,

and over the years, served a high number of clients to solve differences with parties, addressed compensation actions, acted against unfair Motor Insurance declines or short falling settlement offers, pursuit reviews with the Industries Ombudsman and filed law suits and defences.

RAMLA do know very well, that all cases are individual and need particular attention to the details, as only a well structured and factual claim can have chances to success. With us, you can feel save.

If you valued visitor of the RAMLA web information platform, do have any such problems listed above, you may well be good advised to contact us and brief us - best by email - with what had happened and may be your problem.

Our initial reply and advice will be free of any charges or obligations,

but an active pursuit of a claim or defence will come with some smaller fees.


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.

Motor Vehicle Accident (MVA) issues are manifold and can be complex.

It may either be that there is no response from the liable party or the Insurer, the other party repudiate, apportioning damage liability leading to a short falling compensation offer, or any other claim decline, such as to violation of Insurance terms and conditions. All need experienced attention.

There are even cases, where a claim is directed to a 3rd party, deemed liable and demanded, but no engagement noticed.

Lot of issues coming up in MVA - car accident matters, may not be handled according to valid law, or wrongly interpreted.

There are many people in South Africa's motor insurance industry, without a legal background and act under instructions, don't care, nor perhaps not having the necessary skills, or just follow a strategy, to get rid of valid claims.

Such should not be accepted and the challenge taken head on, even if it comes with some engagement.

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.

In our view, it is not the correct way and get a legitimate claimant's demand, 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 car accident compensation claim, can be very good, as often the evidence the Claimant do have is not sufficient to proof the claim, which is a pre-requisite for a successful action.

If it isn't as clear what the implications are and what evidence the other party/Insurance do have, chances are very good to stand through and get a claim successfully denied, even if a summons may have be served already.

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 the merits not be so favourable in the first place, we do all we can, improving 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.

There cannot be any guarantee of success in legal matters, as the other party may have evidence matching or being better proof. If it comes to an action in a court of law, the presiding officer is the instance of weighting all brought forward in the action and decides.

However if sufficient evidence is at hand, chances are high to predict a win and succeeding with a matter, which ends up in an acceptable settlement/judgement.


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 and service, 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 similar 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 or want 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, keeping a client updated, which will please most of those with an open mind to comunication technologies, such 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, or ask us to refer you to someone with specialised knowledge in MVA matters.


Should you have been through all 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

SMS RAMLA to 076 770 3179
and let us know the problem, or much better send an e-mail to:

In order navigating the comprehensive RAMLA information platform, check out the keyword or FAQ section to find what you are looking for or just send us and email to tell us the problem you face

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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.

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


Motor Insurance Disputes

An insurance claim, either as a third party or comprehensive claim can come with a number of challenges.

Having the knowledge and experience, is a prerequisite to stand through against sometimes very strange arguments or decisions utilised by South African Motor Insurance Companies or its Brokers.


Ombudsman for short term Insurance (OSTI)

The Ombudsman for short term insurance disputes (OSTI) reviews matters that emanates from Insurance policy differences or disputes.

That means only contractual issues can be given for review and no 3rd party claims issues can be addressed to the Ombudsman.

Many people believe in objectivity and sympathies the Ombudsman may have to issues, believed to have been made unfairly by any Insurance decider.

It must however not always be expected that OSTI is in favour of Insurance clients to protect their rights.

Too often the decisions taken by the Ombudsman's office are backing the Insurance decision, particularly so as the evidence provided hasn't rebutted the Insurers argument, due to lack of knowledge.

The often one-sided information provided by the Insurer, even without verification, is taken for the decision, if a client in need for help doesn't know how to repudiate false or weak allegations and the matter will most probably be lost and the Insurer rests relaxed.

The Institution of the OSTI office is financed by the Insurance Industry.


A reluctant party try to hide and not engage?

Don't allow a party to act in such manner. A liable driver must take responsibility, but it can be a challenge if you have been too patient or trustful of promises and the other do know how to make you struggle.

It must be noted that a claim is easier declined than proven, and factual proof is what is meant the claimant has the onus of proof.


Companies don't engaging into claims they are vicariously liable for its employees

Companies are in some circumstances responsible and vicariously liable for employee's action and damages, if in charge for the business.

Despite most such companies may maintain a valid insurance cover, not many are open to an amicable solution and reluctant to support a claim.

The problem may just be that those who employ personal which need take part in public traffic in order to do the job get too much involved in car accidents throughout the employee's mistakes and don't like seeing the insurance cover in danger or face higher risk premiums.

There are commonly more difficulties to get matters processed as if claiming against a private person.

Our advice, get support as soon you feel something may not go as expected.


Alcohol or drugs a driver has abused but driving a car under the influence and causing the accident

Alcohol or Drugs shouldn't be consumed when on the road, for good reasons, and prohibited by law.

Once alcohol or drugs are suspected or proven, any insurance cover will lapse and no compensation can be expected covered by any Insurance.

However, the misuse of drugs and or alcohol must be proven in a professional manner.

It will not be acceptable, if an Insurer or another party just allege the other being intoxicated.

No witness or any observer can detect any or the degree of intoxication, even if they are medics, without scientific analyses, there is no proof.

Breathalyser and professional medical laboratory tests must show if any intoxication and to what degree, to get a claim declined or even to make one against another.


Market value, trade and retail value, scrap or salvage are all part in a "write off" case

When it comes to more serious car accident damages often repair costs are high. Should repair costs exceed the market or pre-collision value of the motor car, it will be called a "write off".

Unfortunately many of those been written off is caused by a decision of an Insurer.

The manner in which the car values of a highly damaged vehicle being evaluated, is by applying value schemes, often inappropriate schemes or wrong assessment results should be challenged.

A write off can cause many hassles in some regards.

There are some value schemes offering private persons a one time free value check.

Below as an example, TransUnion Car Value

Anther source will be as well as

TransUnion Car Value Scheme

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Use of information whatsoever will be entirely on own risk. No claims for loss or damage arising from reliance of the information supplied will be entertained.

    Copyright: No copy in whichever way is permitted, without written confirmation by the author. No use of information is permitted for commercial purposes. The copyright includes reproduction and adaptation of any content and is expressively
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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. Under
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.

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