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?

Appeal Car Accident compensation decline

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.

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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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.



Appeal Car Accident compensation decline

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:

Keywords Section - A

Accident Compensation

Acceptance and Liability - offering paying Excess

Accident documentation

Accident Reconstruction

Accident Sketch

Admission of Liability

Affidavit confirming repairs - Cost - Quantum

Affordable claim service -
enforce compensation

Alcohol and Intoxication -
Facts required to be proven

Allert - Warning signs during claim evaluation

Analyse of a car accident -
in terms of liability

Appeal a claim decision

Appointing an independent vehicle damage assessor

Apportioning of Damages Act

Apportionment of Damages - Liability

Assessing - Appraising -
vehicles accident damages

Attorney's services & fees

Audatex -
Car value listing systems

Auto accident -
compensation action

Auto Dealers Value Scheme

Full Keyword List

Keywords Section - B

Balance of probabilities - measure to proof a claim

Bank Statements required scrutinising

Beacon check- cell phone reports

Beyond repair - total loss or write off

Blood test to prove intoxication

Bodily Injuries and RAF claims

Breach of motor Insurance terms

Breach of traffic legislation

Breathalyser tests proving intoxication

Broken promises to settle damages

Bumper bashing - minor damages

Full Keyword List

Keywords Section - C

Causation in a car accident

Calculating, assessing or appraising damages

Cancellation of the motor insurance policy

Car accidents and its consequences

Car Hire after an accident

Car owner's possible liability for conduct of a driver

Case analyse offer - RAMLA advice

Case Law - Precedent

Causation of an accident - liability for the impact

CCTV footage of the accident

Cell phone records / telecom beacon reports

Certification of the repair value / Quantum

Change of argumentation from accepting to accusing liability

Circumstances of an accident

Civil compensation action for damage to law of delict

Claim against insured 3rd party

Claim Decline/ denial / repudiation / refutation

Claim Decline based on alleged breach of the rules of the road

Claim Decline based on violation of terms and conditions

Claim Defence Actions

Claim Disputes - Inflated or unreasonable claims

Claim Disputes about recovery actions an Insurer launches against 3rd party

Claim Investigator

Claiming compensation from 3rd parties

Claiming damage compensation from uninsured motorist

Claiming from an employed driver with a company vehicle

Collision of facts in claim actions

Commissioner of Oath

Compensation for car accident damage

Comprehensive cover - Claim rejected

Comprehensive Insurance claim

Comprehensive insurance cover

Comprehensive cover - Claim rejected

Concluding a new motor insurance contract

Conflicting Statements leading to claim decline

Consequential Damage

Cooperation of other parties involved in car accidents

Contributable causation - Apportionment

Culpa / Culpability

Full Keyword List

Keywords Section - D

Damage assessment driven by Insurance order

Damage Assessment - Independent

Damage to Property - what can be claimed

Damage value/Quantum - serious damages

Dealing with Motor Insurance Companies

Declined Insurance claim

Defence against a recovery claim

Delictual accountability - Law of Delict

Depreciation of car value

Dishonesty can be a reason for a claim decline

Dismissed or denied 3rd party claims

Disposal of salvage or the car wreck

Dispute of facts

Dispute Resolution with Insurance Company

Dispute with Insurance - internal resolution or review with Ombudsman

Disputes in Insurance claims - Resolutions and Challenges

Disputes resolution by taking legal support

Documentary Evidence

Documents to submit (insurance) 3rd party claim

Drunk drivers causing accidents and the repercussions

Duration of a claim action

Duties or obligations in public traffic

Duty to mitigate in a claim to limit expenditure

Full Keyword List

Keywords Section - E

Economic aspects in a car accident claim

Elements of Liability

Emergency in traffic situations

Entertaining a claim by Insurer

Evidence, Facts, Merits

Examination of motor vehicle damage (properly)

Expert Examination / Assessment Expert Report

Expert Witness testimony

Eye Witness testimony

Full Keyword List

Keywords Section - F

Factual Evidence in a compensation action

Failure to pay the premiums up to date

False or incomplete information given when concluding contract

Failure to pay the first premium before a claim must be reported

False, late, incomplete or not submitted updates of essentials in the policy

Forensic investigations

Foreseeability of danger

Front and Rear Impact

First premium must be paid before take to the road

Full Keyword List

Keywords Section - G

Gross Negligence

Full Keyword List

Keywords Section - H

Hearsay - no valid testimony

Hidden damages not detected and not included in Assessments

How long will it take to be compensated

How to get a Police Accident Report and AR Number

Full Keyword List

Keywords Section - I

Inconsistent divergent party statements to what happened

Indemnification for the financial compensation

Independent Witness

Insurance excess deal

Inflated claims - damages fraudulently inflated

Insurance claims

Insurance claim declined/rejected

Insurance claim report obliagtions

Insurance claim report containing data

Insurance damage assessment

Insurance Investigations in car accident circumstances

Insurance measures to minimise pay out

Insure the vehicle and pay the first premium before take to the road

Intoxication - requirements for a Claim decline

Intoxication - Telephoning / Texting etc.

Intoxication while driving a vehicle on the road

Investigations by motor insurance companies to find out what happened

Investigations into the accident circumstances

Full Keyword List

Keywords Section - J

Jurisdiction of the Ombudsman (OSTI)

Jurisdiction of the Ombudsman (SAIA)

Full Keyword List

Keywords Section - K

Knock for Knock agreement between Insurers

Full Keyword List

Keywords Section - L

Late evening or night accidents

Lead or top up insurance cover

Liable Party

Full Keyword List

Keywords Section - M

Market Value of a motor vehicle

Material loss or damage

Maximum compensation for total loss

Merits and legal aspects of a compensation case

Motor car insurance, factors to look on before contract

Motor vehicle damage Assessment

Motor vehicle damage Assessor

Motor vehicle owner's liabilities

Full Keyword List

Keywords Section - N

National Traffic Act No 61 1996 at section 61

NATIS - National Traffic Information System

Negligence driving a motor car

Neuhaus v Bastion Insurance Company 1968 (1) SA 398 D AD - a case precedent

Nominated or regular driver in Insurance Policy

Not abiding to, or in breach with South African traffic regulation

Not insured against traffic accident damages

Not insured but need to claim from another

Not roadworthy vehicle in public traffic

Full Keyword List

Keywords Section - O

Offer to settle a compensation claim

Ombudsman's principles

Ombudsman's reviews

Ombudsman's contacts (OSTI)

Opinion evidence in a case

Full Keyword List

Keywords Section - P

Partly liability for causation - Apportionment

Passengers in a car as witness

Patrimonial losses - Damage

Police Accident Report

Police duty at the scene of accident

Policy cancelled alleged violated terms/conditions

Precedents in a compensation claim

Prescription of a material claim

Process of Ombudsman case review

Proof the Quantum/Value of a damage calculation

Full Keyword List

Keywords Section - Q

Qualifications of Assessors to evaluate damage

Quantum of the claim

Quotations calculating the repair damage

Full Keyword List

Keywords Section - R

Reasonable and necessary repair costs

Reasonable driver or person reasonable man test

Reasonable precaution while driving

Rebuttal of unreasonable or inflated claims

Recklessness driving

Recovery Claim - Insurance paid client - Recuperation Action

Recovery Agent acting for Insurance

Reconstruction of Accident facts

Rear and Front Impact

Regular driver nominated in an Insurance Policy

Relinquish Salvage to a party

Repair Quotations - damage calculation

Reporting an accident to Police

Retail value in calculations of market value

Retention of a stored vehicle on a scrap yard

Rights and Obligation in Traffic

Right of retention a vehicle - workshop or towing

Risks and Chances in a claim action - Basics to know

Risk profile of an insured motorist

Full Keyword List

Keywords Section - S

SASRIA - South African Insurance Association - Riot and Strike

SAIA - South African Insurance Association

Salvage - the value of the scraped car

SAMBRA - SA Motor Body Repair Association

SAPS - the duty of police on the scene

Satisfactory Settlement

Scene of a car accident - what is relevant to capture

Scrap value or Salvage - an important factor in write off calculations

Securing of evidence

Settlement agreement ending a compensation claim

Shortfall or insufficient compensation

Shortfall of compensation based on damage assessing

Shortfall emanating from Apportioning

Shortfall in regard of market value, pre collision value, salvage or policy terms

Shortfall in settlement offer - Apportionment / Causation

Sketch of an accident scene

Skid marks - in reconstructive expert reports

SMD - or scrap buying companies

Speculative testimonies

Speeding - issues in a claim decline

State of the vehicle before accident

Storage of a damaged vehicle on Tow yard

Strong case merits needs strong evidence

Subrogation in claim enforcements

Subsequent/consequential damages

Sudden emergency defence

Speed control unit

Surveillance cameras - video footage

Full Keyword List

Keywords Section - T

Telephoning - Texting while driving

Terms and conditions regarding an Insurance Policy

Test of a reasonable man or motorist would have acted

Third party insurance cover

Third party insurance claim

Time frames a claim may take until a settlement offer

Top Up or lead insurance policies

Total loss - car written off

Towing and Storage issues after accident

Tracking Device and Reports

Traffic Accident Reconstruction Expert

Trade value

Traffic Act 1996 sec 61

Traffic Circle - Roundabout

Tyre burst - immediate emergency

Types of disputes, declines or shortfalls in claims

Tyre conditions in an accident issue

Full Keyword List

Keywords Section - U

Unbiased and fair Investigation in circumstances of accidents

Uneconomically to repair car accident damage

Unfair claim decline

Unforeseeable danger in traffic

Unlawful driving - negligence or recklessness

Unlawful leaving the scene of the accident

Un-roadworthy motor vehicle driven in public traffic

Unsatisfactory settlement offer

Unsettled Motor Insurance claim

Full Keyword List

Keywords Section - V

Values in a compensation claim

Value of Salvage in terms of write off

Vehicle Damage Assessment

Vehicle not roadworthy vehicle in public traffic

Vehicle not economically to repair

Venter v Dicson 1965 (4) SA 22 (E)

Video footage CCTV

VIN - Vehicle Identification Number

Violation of Insurance terms and conditions

Violation of traffic regulations or duties

Full Keyword List

Keywords Section - W

Warning signs during claim evaluation

Weather conditions influence duty to drive

What to do just after the accident happened

When best claiming from own comprehensive cover or 3rd party

Witnesses Testimony in car accident issues

Written of - car status after destruction

Wrongdoer is liable for compensation

Wrongful conduct of a driver

Full Keyword List

Keywords Section - X Y Z

no entry

      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

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 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

car accident in South Africa

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.

car accident in South Africa


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

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

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car accident in South Africa

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

Insurance companies' procedures to minimise car accident compensation

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

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

  Material Damage suffered in a car accident

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

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

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

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

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

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

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

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

What do we mean saying professional?

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

What do we mean saying decisive?

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

What do we mean saying - out most affordable?

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

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

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

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.

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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.

Appeal Car Accident compensation decline

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We do have the expertise and know how to act for you solving car accident compensation issues.

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.

Compensation Claim denial and background

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, South Africa - RAMLA

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First stop solution solve MVA issues

Appeal or challenge any unfair declined or denied material motor car accident compensation claims.

Fair financial auto damage compensation is your legitimate goal - South Africa

Please be advised, that by far not all of declined or rejected insurance cases which are refused to be paid, do have a valid legal basis for a decline to rest on. That certainly does mean, be careful and check the evidence you may have to be able to dispute a denial. Contact RAMLA for free advice

In order achieving a fair and reasonable financial compensation for auto accident damage, some measures are to be taken and applied in South Africa

Any claim denial, repudiation non-entertainment or shortfall, should be appealed and challenged

Engaging in a compensation claim, to be paid for car accident damages, in good mood and trustful to be treated fair, is the expectation one rightfully can assume to receive from the other party and certainly from any South African motor insurance company and arrive at a fair pay out, as quick as possible.

But facing car accident compensation claim denial?

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

                  Professional - competent - swift - decisive and affordable

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Claims not entertained, disputed, insufficient or even declined/rejected.

Process of Appeal against unfair declines/shortfall

Claim denial based on no reason or collision of facts

Inconsistence party statements what happened

Decline based on the examination of circumstances and
     vehicle damage assessments

Decline based on alleged breach of the rules of the road

Facing a recovery claim to pay back the insurance

Defend an unrealistic or inflated recovery claim

Headlines and Issues on this page
Contact RAMLA for a free fact check and advice

In practice only a number of the motor insurance compensation claims, launched with an insurance company in South Africa, will go well in the first phase.

There are many reasons a legitimate claim may be not entertained, disputed, come with an insufficient offer or even declined/rejected, or repudiated.

The typical process in an 3rd party motor insurance claim, (given you are not insured yourselves and probably not liable - so you try to claim from the other party's motor insurance cover) will be, that the other insured party, reports the case to his/her insurer.

Without the claim reported by the insured with the insurer, there is no chance to launch a claim with them.

It will be of ease, if the insured and deemed liable motorist, has already reported the claim to his/her insurance company. An insured is obliged to report a matter to the insurance company immediately, once it becomes probably possible that a claim of whatever nature can emanate against the policy, even if a 3rd party compensation claim only put forward in a later stage.

The insured can never eradicate the possibility that another will launch a claim, even if they settled against each other at the scene of the accident, agreeing to pay one's own damages.

Appealing an Insurance decline, repudiation or shortfall compensation offer, should be done decisively

Declining a legitimate claim for compensation is easier as pursuing an action. The Claimant, the person initiate the compensation action to be paid for material or financial losses to property or a vehicle, has the onus (obligation) to prove what is claimed on a balance of probabilities.

A compensation action before a court of law will be decided by the Judge/Magistrate, based on the facts and evidence brought in the action.

However, before a matter can or should be escalated to a court of law, many avenues are open to address the matter and get paid. At least a demand must be served and the damages lay out.

Many cases will be addressed before an action in court is at stake, in the pre-litigation phase, either to the party or often to an Insurer covered the deemed wrongdoer for repercussions of car accident damage. If a South African motor insurance company is involved, regularly they act on behalf of the insured.

It is worth to be noted, that people employed to decide such case evaluations, accepting or reject a claim, the qualifications of those case administrators or claim adjuster, are unknown, but certainly very often not be of those a learned Judge will have and apply before or when making decisions, based on the evaluation of case facts.

The decision of any claim adjuster, therefore are unpredictable and not always fair, reasonable and correct. Unfair decisions therefore need to be appealed and rebutted with facts.

The process of an Appeal against unfair, unreasonable refuting, declining or deny a compensation claim

Appeal mean challenge a decision that may not be acceptable. The appeal we talk about here, is a challenge to a unfair or unreasonable decision, another than a Court of Law have taken to adjust a claim brougth forward.

Taking matters on appeal to challenge a Motor Insurance decision, in regard to a pending action, it can initially be done in a Dispute. Many South African motor Insurance Companies do maintain a dispute resolution department or instance. Sometimes those are stuffed by more senior claim adjusters or even in-house "Ombud" instances, but still those decisions may be biased or ignorant.

The perhaps different decider will have a full view of the facts within the file before him/her. That certainly do mean, even perhaps fabricate arguments given by the Insurance client to protect him/her will be apparent.

In that regard it is not advisable to just repeat what had been argued, if so, in the claim itself, but rather address those issues rejected or denied, in more detail, accompanied by facts available.

The above is mainly applicable for 3rd party claims. When it comes to comprehensive claim issues evenly not acceptable, the dispute can still be taken place and thereafter another arbitrarily instance, that of the Ombudsman for Short Term Insurance, can be applied to for a review.

All decisions, not acceptable or uphold, in a 3rd party dispute or an unsuccessful Ombudsman review, can be brought to a Court of Law for a fair decision.

Insurance Site Map - A comprehensive overview of relevant Insurance Issues

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 suggest a perfect solution for a particular 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 is a specialised 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

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

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

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

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

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

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

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

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

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     

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

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

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

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

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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.

Be welcome utilising such valuable absolutely free inital advice*

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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.

Important Notice:

We further like to emphasise that the free advice is limited to give a first opinion and options how to go ahead,
but not contain the offer of free practically pursuit of an individual matter.

If active support is needed, some affordable fees must apply, as it is common for most or even all external services.

Please be conscious of such and we trust it is very understandable and acceptable, not to expect specialised experts to provide daily work free of charge, as even a humble supporter such as RAMLA, do need cover cost and labour.

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?

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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.

Claim denied without much of reasons or just because the other party take a different stand.

There are many possibilities denying a claim, but some just do not abide by the truth. Denial of a legitimate car accident compensation claim, is far easier as claiming, as the one claiming must proof the case.

A declined claim what kind it ever is, as a 3rd party claim addressed to an Insurance of a liable driver, or private and direct claiming from the alleged liable or even a decline in a comprehensive claim against your own policy, must not be accepted and can be challenged in dispute or appeal.

Some people just take a different point of view, some even fabricate such incorrectly. Overcoming those obstacles can be challenging and often need proof.

There are claim denials even if the evidence is stringent, proving the matter and circumstances, sometime even eye witness statements be ignored, which may left a legitimate claimant only with the choice to take matters into a form of dispute in a legal action in court of law.

In a court case, a bare denial or proven fabricated argument, do not have a chance to stand.

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

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

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

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

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

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

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

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

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

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

Claim denial based on collision of facts, the other party does not back up the facts presented

The insurance company get a different statement from its insured as what you argue in your claim, which is a collision of facts/allegations. They easily buy in the story the insured give them, without any check or doubt, whatever the Insured says, not liable or partly liable, presenting a different story how the Impact had happen.

As the one claiming damages, it's on you to get the matter presented fair and competent. But that alone, may not be enough to get the claim granted, or getting your arguments accepted.

In South Africa, the time factor is on the side of the insurance company. One tactic often observed, is delay - delay - delay and then deny the claim, which can make the Claimant weak and tired and eventually give up the claim without further fighting.

In a compensation action either directed to a party, a representative of a party or a motor car insurance companies claim department, initially the parties, especially the claimant, will address the issues and put his version or point of view forward.

The other party, receiving the demand to pay compensation, will - hopefully and perhaps swiftly - attend the claim, scrutinise the facts and may come to conclusions or decide the validity of a claim.

Should the claim be addressed to a representative or insurer, they will now get the statement of the client, validating that against the allegations of the claim.

Given the claimant haven't presented reliable factual evidence, it may be enough the defending party just give a different story, perhaps denying the claim and circumstances, or even allege, not being at fault, but the claiming party will be, to have a claim denied by just telling a fabricated version of incidents.

Sometimes there will be little to do, if no hard evidence can be presented, such as facts, underpinned by etc. photographs, video recording but best witness testimony, to get the matter accepted or approved.

In such circumstances it will be advisable to improve facts and perhaps a more knowledgeable adviser being consulted or mandated aware of what may be needed to get matters approved.

With proper knowledge of behaviour other parties may pursue and experience of how improving evidence, it may well be a game changer in order winning a case.

RAMLA is such a knowledgably and experienced legal expert in MVA matters and can be consulted - initially free of charge - or better mandated to get results.

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     

Contradiction in argumentation on how a motor accident unfolded and who will be liable

Lots of disputes are based on differences in the reports, of what had happen and how all have been occurred or unfolded.

Should the accident report, given by the insured party, differs from those factors or scenario the other party presents, most often this is the start of a struggle, refered to as collision or differences of facts.

Given there are two contradicting versions of the matter, all will be the challenge of proof. Unfortunately some motor insurances trust the version of its client, without being interested finding out if that will indeed be the case. The result may be, the 3rd party claim may be rejected, on such a reason only.

It is further a common behaviour of motor insurance companies or attorneys, not be interested in verify proof, presented by a claimant. They probably just uphold the taken decision of decline and give the claiming party a hard time.

In a better case, the other party asks for witness statements, whereby it's possible that a witness being a passenger is not trusted, as suspected being biased in favour of the claimant and therefore ask for an independent witness , someone as an eye witness, personally observed/seen the traffic accident and being prepared to testify.

The term "Independent" is meant to be a credible witness, in view of the insurance company. This Independent should best be an outsider and not been a passenger or family member, and therefore being an eye witness.

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Lot of times witness statements of passengers are deemed as biased and not credible. More badly it will become, if you cite a family member as witness. The insurance will rarely accept such testimony and approve the case easily, if at all.

We all know, bystanders are not very keen to become a witness, if those are available at all. There are a lot of occasions where it will be impossible to find a witness, as there simply not have been one.

But the good news are, that such decline must in no way be the end of the matter and the case can be taken to a court of law, where an independent judge/magistrate, can or must decide, if the evidence or witness presented, will be credible or not.

Before a party must engage in a full scale legal action in a court of law , there may be a good chance that the service of a summons, including proof and evidence, can change the behaviour of the party or insurance company.

Once it's obviously clear, legal action in a court of law will be taken, any party should look again onto the matter, considering carefully, if the arguments on their side will be strong enough to stand a trial in court.

Dragged into such situation may suggest, getting some support. RAMLA can support a claim and deal with the matter on behalf of a client, taking all the avenues available to come to a solution, before a court case can't be avoided.

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

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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

Decline based on the examination of circumstances and assessing - Differences deriving from biased or improper vehicle damage assessment

After a claim is reported to the insurance in charge by the insured party, some relevant documentation will be requesed from the 3rd party claiming.

If the claim then be entertained/attended to, most often they will send an insurance assessor to calculate the damages. The findings will serve as a basis for any further insurance action.

One certainly must not accept the calculation as representing the effective damage and may disagree to some findings stated in the report on good reasons.

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

Based on the conclusion of the insurance assessor, the insurance company may reject a claim, simply saying these vehicles cannot be part of the same accident, as the damages aren't congruent with each other, or give any other reasons why the accident cannot be as claimed.

Given such outcome, but still sure that the assessors findings are incorrect, evidence is needed to rebut such false assessment and assumption.

That may well be a challenge and more often as not, another independent Traffic Accident Reconstruction Expert needs to be engage to have a chance to be paid and have the all too often wrong assumptions of Insurance Assessors rebutted.

A nice and professional looking report doesn't warrant it's done properly, utilising the methods accepted for proof of results and applied all the correct way, disclosing the manner and equipment used.

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RAMLA - Road Accident Management & Legal Action

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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.

Decline based on alleged breach of the rules of the road. Problems coming from questions of liability or partly/contributable liability as causing car accident

Decline of motor vehicle damage compensation claims can come in many forms and based on reasons or just be a bare denial of any wrongdoing or liability.

A claim for compensation of losses in traffic accidents, can already be rejected by any party, but commonly by an Insurance companies claim Adjuster/Adviser/Expert, as they are called, before or without looking into the facts, if they just don't entertain or attend to a claim action.

However if a claim has been analysed, there may be some finding arguments that lead to a decline, which is based on the decision of a person - no qualification required by law - appointed as a decider. By learning or training some situations and corresponding arguments may be looked on, to find out or determine claim merits.

Merits are the facts of the circumstances that can be proven and only those are the indicators of chances of success in a case. However even given there are merits good enough to sustain a claim, doesn't mean the other party will accept such as valid and/or correct and accept the claim must be paid.

Given the fact that there are merits and proof, and that all had been properly addressed and formulated in a demand to the other party, it isn't a warranty for accepting a claim.

South African law govern the rules of the road, do know the concept of Apportionment - laid out in the Apportionment of Damages Act.

Apportionment does mean, more than only one driver involved in a car accident may have been negligent in driving, contributing to the cause of the accident by violating even those obligation posed on all motorists to avoid car accident damages.

The degree of the portion of blame to have contributed, is to be determined.

The person in charge to determine will perhaps be a problem, depending on knowledge, motive, independence and incentives that may lead to biased decisions.

car accident in South Africa RAMLA is a specialised legal expert and can help clients in all Motor vehicle accident 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     

Any such decision should be investigated sorely, checking out if it acceptable before agreeing or accepting such Apportionment, which will lead to a huge loss of compensation and often made incorrect by an Insurance Admin, citing useless court cases as precedent for such Apportionment, often absolutely out of context.

Claim decline based of citation of legal precedent case decisions

A legal precedent is referring to a case with similar circumstances, decided in courts before and on appeal to the High Court decided and published as precedent. A precedent case can have direct consequences to a pending case, if circumstances are as narrow that the precedent is applicable.

Courts do have obligations by law to follow precedents where applicable and decide similar, in order to establish some sort of legal certainty.

Citing the judicial precedent case may impress the one or another, but it must be known that almost every motor car accident is different and precedents are only for the principle and cannot be taken just for a case that may not even come near to what had happen, in the case ruled, perhaps 30 years earlier.

Demonstrating another is in the wrong, most often will be presented with an extract out of a similar case, a court of law has dealt with and that cited judgment and the circumstances given, may be taken as proof to blame you.

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

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Facing a recovery claim to pay back the insurance

A recovery claim is commonly meant, if a motor insurance pay a comprehensive insured what he is covered for under his policy, if it is suspected the insured is not liable for the causation of the car accident.

If the insured person/party is not seen to be liable as not been negligent for the course of the accident, subsequently the other party may be demanded to pay the damages, the Insured got paid already, throughout own insurance cover.

The insurance company just want to be paid back, what another is deemed to be or may be liable for to them the Insurer. As they now act for the insured party, based on subrogation, they accuses you to be liable for the accident and must pay.

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

A recovery action is equal to regular claim enforcement, but pursuit by any legitimate representative.

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

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

Salvage in a car accident           Salvage in a car accident

Defend an unrealistic/inflated recovery car accident compensation claim

Any claim action can always be denied.

An action for regaining spent finance or expenditure will be called a recovery claim.

Generally it is the insurance company paid the damage to its insured, contacting another party in a car accident, and address a claim to demand paying back money, spent in repairs or compensation for a party, deemed not to be the liable one for the damages, in a recovery claim.

In cases where the party is represented by the Insurer, pursuing the action on behalf of an comprehensively insured client, the insurance will pay the client in the first place, another is or may be liable for.

It is most probable to expect that the Insurers recovering department, will address the matter and demand or claim back from the other party held liable, what they paid out to its insured, plus any other deductions they may have subtracted in the payment to the comprehensive insured, such as all the excess and other shortfall the insured may have to consider, within the regulations of the motor insurance policy.

In today's time of economic constrain, the recovery action can come very soon after the claim has been reported and the basics evaluated and a conclusion drawn, who can, should or must be held accountable.

As pointed out within other sections of the RAMLA car accident info forum, the Insurers or claimants decision who should, must or can be held accountable, must not necessarily be a correct one, as regularly made by trained and experienced admins, but not in a manner expected, unbiased and taking all into account to find out the true causation.

Therefore any such recovery action should be scrutinised in detail and only accepted, if the facts put forward are acceptable and backed up by evidence. More about defending a recovery claim

RAMLA is a specialised 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.

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 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.

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

read more about:   How to get fair compensation for damages

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

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

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

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

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

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

Please find more information to select from below:


Nationwide RAMLA Claim Service
SMS your problem to RAMLA Cell

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

Car accident issues that matters most:

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

Taking on disputes with motor insurance companies, engage 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

  Keyword Search

  FAQ  frequently asked

As a member you enjoy full claim service free of charge!

  RAMLA Membership
         tariffs - terms - etc.

  Preparation is key:
           before  an  accident
           when enforcing claim

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

    Disclaimer: Although all reasonable efforts have been made to ensure accuracy of the content, displayed on the RAMLA web-pages, no warranty is given regarding the accuracy or completeness of the content or its suitability for any purpose.
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
reserved to the publisher RAMLA - Road Accident Management & Legal Action under section 12 (7) of the copyright act of 1978 - South Africa     All rights reserved.

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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