Motor vehicle accident damage claim enforcement - defence against inflated or unreasonable claims - Motor Insurance disputes - claim declines	Car accident damage claim enforcement Rebutting unfair settlement offers Insurance claim declines or dismissal Defence against unreasonable or inflated claims Support pursuit in any MVA matters, in South Africa Road Accident Management & Legal Action (RAMLA) We are car accident damage compensation recovery specialists as well as experts to defend against unreasonable or inflated claims.     Insurance       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 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.

	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    value of damages    Calculation of damages    Quote or assessing    severe damage -       write off - total loss,       scrap, salvage    Insurance claim evaluation, decline, dispute          3rd party claim    comprehensive claim       violation of terms (t&c)       in regard to investigations    declined claim    insuficient settelement    Apportionment    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. 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.    Your specialised expert to sort out MVA matters                   Professional - competent - swift - decisive and affordable          Issues with South African Motor Insurance companies 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.		Caught up in a car accident in South Africa, may force a party to claim damages from the wrongdoer, or may lead to the need to defend against inflated or unrealistic claims. RAMLA - Road Accident Management & Legal Action Car accident lawyers and professional claim managers, enforcing traffic collision damages, effective, decisive but affordable. Caught up in a traffic collision were motor cars/vehicles been involved, most of the time material damage or damage to property such as cars or other amenities, will come along with the impact. An impact causes damages and compensation for repairs is automatically at stake. RAMLA do concentrate on material or financial damage compensation claims, to get you be paid from the wrongdoer and/or liable party, in an accident scenario. Such compensation claim can be one directly targeted against a wrongdoer in person, or dealing with representatives such as Lawyers or Motor Insurance Company claim deciders as a 3rd party claim. Any claim needs to be funded on evidence and factual arguments supported by proof. Proofing a claim is often easier said as done, as proof comes - in almost all cases - from the circumstances of the accident and evidence need attention right at the scene of impact. Given if it is missed to secure evidence at the scene and its been not thoroughly attended to, it is time to do it now and act to secure all facts possible. It is certainly not impossible to get such evidence, even in time after the accident, but it can be more difficult. Free case analyse! Dear valued reader, checking out the RAMLA car accident compensation platform; obviously you do have some traffic accident damage issues to solve. Contact RAMLA for a free check and advice about your particular case issue. Just tell us about what happened and problem you face. It may happen that potential witnesses left without identification, debris be cleared, faulty traffic lights be repaired, or CCTV footage deleted. Pictures from the scene, document vehicle positions - damages etc., can only be taken, if and when cars still be in its places, which - once available - will have significant value in proofing facts and help reconstruct the impact or scenario. As much important evidence is in itself, it is evenly relevant to know how to use it. The ultimate goal is to be compensated for losses. Experience is needed to be knowledgably and competently in order to address a claim and achieve a fair compensation pay. Once a claim formulated, documented and served, still the reaction of other parties needs to be waited for and the content thereof to be analysed. Results will define actions as what steps will or need to be taken next. As a claim is formulated and supplied, it is to no certainty that reporting a fair claim, even if it is well documented, must lead the other party agree and accept and certainly pay the damages claimed. Disputes can arise about the way all unfolded, the question of liability can be seen from different points of view, damage value or Quantum be under dispute and many more aspects of disputes can be raised, too much to get to in this column. Another weak point can be a lack in knowledge how to handle a compensation claim. People only looking for some advice only a while or even after a longer period of time, past the actual accident, and visit Web Pages such as this one you browse now - often late, and in the meantime doing all they can to address a compensation action to his/her own knowledge. Many try to act on what may be at hand and they find and regard themselves to be fit for it. This may work for a number of cases, as matters are clear and facts at hand are strong in its evidential role and the opponent or defendant do not argue unfair. However it would be too optimistic to believe it is the normality. It is not, as it is almost the opposite, as many cases end up unsatisfactory. Results or settlement offers may be incorrect in adjustment of liability, often named as contribution to the accident, by not adhere to all the duties, citing perhaps unreasonable precedents and/or allege and apply apportionment. That may lead to significant losses, shortfalls or complete denial/repudiation of a claim. Not any layman may be qualified to see through all of that and know if all what one faces in terms of reaction or settlement offers, will be fair and correct. We do believe it is worth taking time and effort to check out on any doubt, before accepting any proposal. Sometimes bodily injuries occur in a vehicle collision inflicting harm and pain to humans. Even bodily injuries do have in some way a financial component and a victim need to be compensated in order to cope with recovery and subsequent costs etc. However - we the author of this Web Platform - RAMLA - do not deal with bodily injuries claims. Many specialised lawyers offer its services to solve matters pertaining a RAF (Road Accident Fund,) - bodily injury compensation claim, but the South African Government recommend a victim to first check and find out if one can claim without any specialist, in order not to spend a large portion of compensation on Lawyers fees. We are specialised expert's in all respects to motor car accident damage compensation claiming damages, defending against unreasonable or inflated claims, working in Motor Insurance disputes, in all those subjects over a long period of almost 15 years. We attended thousands of requests, analysing, supporting and pursue material car accident claims, expertly, effective, economical and affordable. Such excellent service can be to your service Nationwide, in South Africa. Free case analyse! Dear valued reader, checking out the RAMLA car accident compensation platform; obviously you do have some traffic accident damage issues to solve. Contact RAMLA for a free check and advice about your particular case issue. Just tell us about what happened and problem you face. Road Accident Management & Legal Action (RAMLA) can professionally represent clients, taking care of their interests, which can be the solution you may look for. You will find a lot more of useful information on the RAMLA web pages. Check out for keyword links in the left column to select your topic. Not each and every car accident compensation claim will handled fair, correct and reasonable. Initially important is, to know the definition of what we have to understand, is full and fair motor accident damage compensation. But even before doing so, we have to clarify that the South African System of motor car accident compensation, is split into the sector of bodily injuries, which deals with compensation actions regarding injuries to the human body and material damages, such as compensation for car destruction or consequential damages. The RAMLA web pages, you are browsing currently, only focus on material damage compensation and civil claim actions to be financial/material losses paid for full and fair, resulting from traffic accidents. In terms of compensation, the South African law say: You should materially be compensated to the state before accident, so that you will be able to repair your car to pre-collision status, or if repair cost will exceed such pre-collision or market value; and the car be called a write off, be compensated to the amount of money the car been worth to time of impact, minus any sellable value or Salvage of the vehicle. That means either you cannot expect a new car (some exemptions excluded here i.e. if your motor vehicle new, not older than a year since being on the road the first time, or depreciation kick in, if your car is fairly used and the marks of wear and tear, impacting your auto value to a specific time. But even an older motor car must be repaired to manufacturer's standards to maintain the roadworthy status, as long as it will not be a write off. Motor car accident damage claims may get into difficulties, once another party do not agree with what is claimed for. Differences may be to condition of Quantum/Repair costs or of Liability. Disputes must be addressed and corroborated by factual evidence, such as witness statements or pictures, CCTV footage or any other suitable evidence. A successful claim should be supported by merits, so the other party do not have much to argue, but compelled to accept the claim demand and pay. A claim launched with your own motor insurance company (comprehensive claim), will have to look on what you have covered under your policy, before any acceptance can be decided upon. Depending on the cover taken, it can be the insured did accept some contribution, such as excess and the claim process need to be according to terms & conditions of the insurance contract. A 3rd party claim, directed to the perpetrator however, must give you full compensation and no clauses, as insurance excess or any limitations in a insurance policy apply. Only the law of delict will be applicable to decide liability. Any claim for car accident damage compensation can go wrong, be disputed or even declined. As soon as in the process of a claim pursuit any disturbance or unusual investigation requests are noticed, it will be highly advisable to check critically, if your own knowledge and skill is sufficient to perform a vehicle crash compensation action your own, or if you should consider practical support by professionals. The procedure and pursuit of your claim for motor car accident damage compensation in South Africa (SA) A claim for compensation against another car driver or vehicle owner is a process and cannot be explained in a sentence. There is a lot about the way to claim and about dispute issues or problems, that can occur in a particular and always individual case, on our comprehensive WEB info platform. However, as it is often the case, individual problems need individual answers and/or actions. You are invited to contact RAMLA for a free initial case analyse and advice, by contact us by email ramla@ramla.co.za tell us what happened and the problems you face or expect, for a free reply and advice. Should you do not like contacting us now, but need more information, check the keyword list to select your issue and find more on the linked page. Free case analyse! Dear valued reader, checking out the RAMLA car accident compensation platform; obviously you do have some traffic accident damage issues to solve. Contact RAMLA for a free check and advice about your particular case issue. Just tell us about what happened and problem you face. Inflated or unjust claims need proper defence against unreasonable vehicle accident compensation actions Defending against inflated claims isn't as challenging as perhaps thought. Defence against unrealistic, unjustified or inflated claims is a need to do, if alleged to be held liable for car accident damages, which do not fall in your responsibilities. It is always an inconvenient situation when defensive actions are needed, as to alleged of wrongdoing, which isn't true or fair. However any person unfairly accused of wrongdoing and causing damages to another in a motor car collision, must enter into defence, not to risk to be sued and end up innocently be judged against one and subsequently face execution, against all of your property. It should be noted that a claim against a person, is only dangerous, if not defended properly. Defensive actions mean, deny a claim and its accusation, simple and clear and request proof of facts and merits. Only if such evidential facts indeed be supplied and its content suest not to allow challenging the accusation, it will be advisable to look for a compromise or settlement agreement. It must be known, that a person sue another in a Court of Law, must proof that the allegations are true and fair on a balance of probabilities. Should such a proof cannot be shown, a case is lost and dismissed with costs and the Defendant is released from any liability or compensation payment. In order to avoid unnecessary risk and hassle, it is highly recommended to utilise professional support to rebut unfair allegations, not to lose out on reasons of lack of knowledge, how to act against such allegations. Free case analyse! Dear valued reader, checking out the RAMLA car accident compensation platform; obviously you do have some traffic accident damage issues to solve. Contact RAMLA for a free check and advice about your particular case issue. Just tell us about what happened and problem you face. RAMLA is a specialised expert in all MVA matters, claims, disputes (3rd party / comprehensive Insurance cover) and defensive actions against unreasonable or inflated claims, professional - affordable.    Contact RAMLA for your support to have a damage claim paid or defenced.      Contact      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. 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.		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         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    Your specialised legal expert to sort out MVA matters                   Professional - competent - swift - decisive and affordable Road Accident Management & Legal Action, South Africa - RAMLA 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? table border="0" width="100%" summary="" bgcolor="#666699">
Your specialised legal expert to sort out MVA matters                   Professional - competent - swift - decisive and affordable

	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

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 damage 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.

	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.

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*

		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.

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                     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? email us your story and details to ramla@ramla.co.za for a free first analyse and advice.

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 or downscale it.

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 or you be accused to be partly liable for the accident, meaning Apportionment which lead to losses .

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, or Apportion it, 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.

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.

	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.

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

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 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.

	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.

         

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

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

	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.

RAMLA Expert Partnership


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

Legal profession

Panel beater or auto
     body repair workshops

Independent vehicle
     damage assessors

enhancing mutual business at no cost to either side.

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




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

	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 www.carvalue.co.za Anther source will be www.book-value.co.za as well as www.autotrader.co.za TransUnion Car Value Scheme www.carvalue.co.za

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.   Claim Information      Damage Assessment      Legal Information      Repair Service      Insurance Matters      Claim Collections      Downloads      Contact        Job oportunities        Press        Company