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
(RAMLA)






We are car accident damage compensation recovery specialists

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




                                                             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?



RAMLA - car accident damage claim service South Africa

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.



Select issues of interest by keyword search



      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.





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

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

Car accident issues that matters most:









      facilitating a claim



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

     not insured motorist

     3rd party claim

     reluctant party





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   value of damages



   Calculation of damages

   Quote or assessing

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





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car accident in South Africa car accident in South Africa










   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.





Apply for RAMLA Membership NOW



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

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

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

                  Professional - competent - swift - decisive and affordable






         Issues with South African Motor Insurance companies

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Should a matter be taken to a court of law?

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

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

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

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

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

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








car accident in South Africa

car accident in South Africa






















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

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



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


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

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


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


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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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






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 your claim, just let us support you.

Motor car accident disputes with the insurance companies, regarding a compensation claim, directed to SA motor insurance company, are common in South Africa. Lots and lots of claim disputes arise on a daily basis.

Car accident lawyers and professional claim managers . . .

to analyse, support and pursue your material car accident claim, effective and economical, nationwide in South Africa.

You will find a lot of useful information about all sort of MVA - motor vehicle accident - damage compensation issues on the RAMLA (Road Accident Management & Legal Action) web platform.

Alternatively 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

   accident@ramla.co.za


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


Welcome to RAMLA - Insurance Matters

Car accident lawyers and professional claim managers . . .

to analyse, support and pursue your material car accident claim, effective and economical, nationwide in South Africa.

You will find a lot of useful information on the RAMLA (Road Accident Management & Legal Action) web pages.


                        

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 ramla@ramla.co.za 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

      
 










Motor car accident disputes with the insurance companies, regarding a compensation claim, directed to SA motor insurance company, are common in South Africa. Lots and lots of claim disputes arise on a daily basis.

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




car accident in South Africa



car accident in South Africa



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

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

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

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

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

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



Only a part of those insurance claim disputes are referred to the RSA ombudsman for short term insurance.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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





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Risk and Chances avoid disputed, denied, rejected or dismissed claims under your Comprehensive motor car insurance cover in South Africa



If all went wrong with dispute resolution, there is still the Ombudsman (OSTI) to go to, for a review, before a court of law is the last instance.

Comprehensive motor car insurance cover was designed to compensate the insured party for own vehicle damages, that were caused by your own fault or even negligence and responsibility, to protect your property and safeguard the value.

As South African law presently do not compel, a motorist driving a motor vehicle in public traffic, to have at least 3rd party motor insurance cover, the risk being involved in a motor car crash with someone just not insured and on top even not be able or willing to pay any damages, are high.

This is the main reason, that the comprehensive motor car insurance cover is needed, to protect your property, in cases of any car accident with an uninsured and financial not as stable party, to pay your losses.

It is also common practise in South Africa, that a person will most probably claim from his own comprehensive motor insurance cover, even if they are not liable for the accident and despite the other party is insured against 3rd party damage claims, just to avoid the hassle of enforcing compensation from the liable party or his/her insurance company.

There are a lot of good reasons to have your valued motor vehicle comprehensively insured, but as we are dealing more with problems then benefits in terms of car accidents on these web pages, we will focus more on the risks than on the advantages.

Let's make something clear right here in the beginning, you will have little hassle with your insurance company sorting out any claim, as long as you are called a "good risk profile".



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 advice in 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.

How to contact RAMLA, in what way best to do and what we need knowing to reply
car accident in South Africa   Your specialised expert to sort out MVA matters

                  Professional - competent - swift - decisive and affordable






If all went wrong with dispute resolution, there is still the Ombudsman (OSTI) to go to, for a review



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Click for Insurance Site Map - A comprehensive overview of relevant Insurance Issues



Risks/Chances disputed, denied, rejected or dismissed
     claims


What does it mean to be a "good or bad" risk profile?

When best, or best not, claim from your comprehensive
     insurance cover,
but directly claim from the liable party


Ombudsman for Short Term Insurance
     review of a declined comprehensive insurance claim




Headlines and Issues on this page





What does it mean to be a "good or bad" insurance risk profile?

The matter or purpose of a risk profile is, to evaluate which or what kind of individual risks an Insurer takes, giving a client cover for a specific kind of risk, in our case the risk for indemnification for finacial obligations, emanating from car accident damage compensation claims.

A cover protect or insures against 3rd party demands, for the pay of damages to the other party, if found the Insured is liable, and in terms of comprehensive cover, even pay damages caused by fault or even negligence of the Insured him/herself, to the particular risk and object insured and what conditions to attach, as well as to the amount of premium, cover will be sold.

A rather good risk profile comes with good behaviour, such as sticking to terms & conditions, pay premiums regular and in time, and - don't claim too much, that's as easy as it is.

Paying your premiums is a must and further being aware and abide to the terms & condition, best to all times in detail, and not claiming whatever you can, is the way to be classified as a low claim client, or good risk profile.

A good risk profile insurance client can be relativly sure to have little or no problems, if in need to report a claim, that will trigger a pay-out.



If the Insurer regards and keeping you in the status of being a "good risk", will benefit you, if it sometime will come to a major claim.

Our advice is, don't claim for all and everything, or at least not too often, for small values as i.e. a broken mirror or windscreen. These claims will not be to your benefit, when you need the insurance cover most, as it can lead to get your rating downgraded and your status being a good risk is in danger.



car accident in South Africa      car accident in South Africa

Motor Insurance cover in South Africa, should not be seen as some sort of - if I can claim I do, in order to get something for the premiums paid. It is rather advisable to regard insurance cover to shield against the worst and have it active as you need it, which we all know, is unpredictable when it may happen.

Certainly it will be different, if you haven't claimed for a very long period at all, but mind the risk to be in trouble, if you suddenly trapped in a serious traffic accident.

A "bad risk" will as it is not complicated to imagine, just be the opposite. However there are many factors that can trigger to be seen more a bad than a good risk and not only the number of claims may play a major role.

Being found or categorised a "bad risk" will ultimately lead the Insurer having an open eye and trigger precaution measures, investigations and in depth scrutiny, if claims are reported.

Such investigative actions, are commonly designed to find some sort of violation of duties, in order to decline a claim and if such is at stake or even only announced the assessor or investigator will contact you, must be a loud warning sign and one must be aware of those loopholes one can trap into, not be confronted with a decline.









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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*

 
car accident in South Africa

RAMLA can be the solution in MVA matters

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

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Please take note of the below information, to have a more complete picture about the free advice:

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, but


practical work pursuing a case, cannot be free of charge.


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

       motor car accident damage claim is complex             

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


It's so easy contacting us by email.

The effective way will be sending an email containing the nature, damage and problems detected. Once sent through to us, we will study the matter and after analysing the facts, we get back to you by email (most commonly within about 3 hours), with the result and advice,

- free of charge.

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

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

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

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

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


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

in South Africa.

RAMLA can be the solution to sort out MVA problems.

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

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

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

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


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

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


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


car accident in South Africa

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

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





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


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





When best, or best not, claim from your comprehensive insurance cover, but directly claim from the liable party

If you take the route, claiming for compensation from your comprehensive insurance cover, if you are not the liable party, it will shift the risk and task to claim from the victim to the insurance. As always, one has to pay for such extra service in the end and this may be expressed in losses of benefits or extra expenses in relation to your car insurance policy, but in general leads to higher premiums for all.

There would be no or little need, to either be comprehensive insured at all (except protecting you against losses out of your own failure) , or to claim from your own cover, if it will be compelling for any motor car travelling in South Africa to have a 3rd party insurance.

A 3rd party insurance that should be obligatory for all, will help lower comprehensive auto insurance premiums, you have to pay, as the risk then will be limited to cover damages to your property that are caused by your own and just you being responsible for, i.e. if you hit someone else with your vehicle in a crash and you need to have own damage repaired.


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     
As to today's practices, most often the motor vehicle accident damage is claimed through the comprehensive cover, if insured as such, instead to claim from the liable party.

Keep in mind that you are not compelled to claim from you comprehensive cover, given you are not the liable party. You can always claim from the other party directly, even if you first tried to get the compensation paid by your insurance company, but found you don't come right.

A benefit can be seen claiming from own cover instead from the liable party, in the fact that the insurance take care of the problems, in the first place and you don't have to be involved in actions.

What to look on, taking the decision to go the way through claiming from your cover, is about the circumstances and tangling factors of influence, which comes from your insurance plan. All contributions or other compromises you have accepted to have acceptable premiums, will have the consequence of a shortfall in your overall compensation.

In a claim directly launched against the liable party, none of any other contributions or restrictions, as those the law proposes applies.

No financial contribution, in terms of insurance excess, restriction in repair terms, measures of determination what will be qualified as what, under circumstances and conditions, your insurance plan will have, apply in a 3rd party claim.

Another detrimental factor will be, the more you claim, the more your risk profile increases and this will most probably lead to an increase in your annual premiums.

It is understandable that your insurer does not like to pay more compensation than the value of your premiums. They may need utilising instruments, like the increase of premiums or other measures to prevent the inappropriate use of the insurance cover.

Check your terms and condition and the effect to your risk profile carefully, before you decide which way to go, when you claim to be compensated for losses you suffered to your damaged motor car, in an accident you are not liable for.

If you trust in your specific insurance company, to pay fair and easy for your claim made with them, and that may be worth the financial contribution for you, this is your way to go.



RAMLA - Road Accident Management & Legal Action



car accident in South Africa

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

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

Contact us NOW

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


Ombudsman for Short Term Insurance - review a declined or short offer in a comprehensive motor insurance claim.

The South African motor insurance industry have created an arbitrarily review instance, for claim disputes between the insurer and the insured.

The Ombudsman for short term insurance is located in Gauteng and the physical adress is:

The Ombudsman for Short Term Insurance (OSTI)

Sunnyside Office Park

5th Floor, Building D

32 Princess of Wales Terrace

Parktown / Johannesburg



An initial dispute can be launched via email, by visiting the Ombudsmans web pages at www.OSTI.co.za launching a complainant with the OSTI office, or best send the compaint via email to Info@osti.co.za with the name of the insurer or underwriter, not a broker or agent, the policy reference and claim reference, accompanied by a short briefing.

The service of the Ombudsman is free of charge but, only available for insurance clients, not happy with an outcome or dispute about the policy cover or terms, as a matter of contractual dispute between Insurance and Insured.

The offices and costs of the Ombudsman's operations are funded by the insurance industry and its members signed up to the Ombud's scheme. The objective of the Ombudsmen's work, is to solve disputes arbitrarily out of court, and it is expected to do so in an unbiased and independent expertly manner.

The process of reviewing a pending Motor Insurance dispute

Once a contact is made to the OSTI offices, as mentioned best by email to Info@osti.co.za, such is taken note of and the applicant will receive a form in order initially address the matter.

The filed application form has to be returned. References etc. will be given, who of the Ombudsman's office will be in charge for the review and the OST case reference.

Commonly the OSTI office call on applicants to be patient, as the work load appears to be huge and the applicant urged mot inquire at each and every time, but only if a certain period is gone by, without any reaction.

However it is noticed in practice that the OSTI offices try to do what they can, not delaying the process. But as they always have to correspond to other parties, give them time to respond and then take own time to check and forward, it is just to accept, that the process will take its course, for a longer period of time.



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     


In the course of the review, right after having received the application completed, the Ombud will contact the Insurer and request its evidence to be provided to him.

Once received the Insurance evidence, he/she will have a check with the review briefing in the application file and compare with the evidence supplied by the Insurer.

This may result the Ombudsman drafting a prelimenary statement of the matter, as to his/her view and advice how the applicant should act in order to provide sufficient quality evidence, as well as forward the evidence the Insurer has provided, to the applicant or his/her legal representative.

Legal representation is allowed and the applicant can make use of it and if in knowledgeable hands, it may be to the benefit of the applicant.

A legal representaive is requested to legitimate himself per Power of Attorney.



RAMLA - Road Accident Management & Legal Action



car accident in South Africa

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

A claim dispute reviewed with the South African Ombudsman for short term insurance - OSTI, isn't just an easy way to take, as just repeating the argumentation made in the correspondence with the Insurer, will commonly not solve the matter.

Contact us NOW

RAMLA is a specialised legal expert in all sort of motor accident damage recovery claims. Our team can help you through the process and minimise trouble affecting you in a claim.




Once the detailed evidence of the insurer is forwared, the complainant must address the matter of dispute in detail and provide facts, rebutting the evidence the other party provided.

The insurer had its file prepared already, as to the time a claim decision has been made, which had been based on such findings, but often those evidence isn't released to the client or his representative, before.

It is an obstacle not having the full picture of the other parties opinions, to find better arguemnts in the process of dispute resolution with the Insurer, before going to the Ombudsman review.

But it appears that the Insurance Industry isn't as keen to open books too early and too wide, in order to avoid enabling a client to find out about the background of a disputed decision, before escalating it.

It should be understood, that the Insurer will be bound on the decision or ruling of the Ombudsman, but not the Applicant, as he/she is free to escalate matters to a court of law, for a final review and judgement.

A court of law do have more powers in order to find the truth in a matter, as the Ombudsman do have, so for example to hear witness and not be hampered if parties collide with factual evidence, the Ombudsman cannot verify and consequently can't make a ruling.

Even more, given the Ombudsman's ruling isn't to expectations, may be as just to wrong handling the matter, it is of vital benefit to have done the pursuit of Ombuds review, as to the knowledge gotten out of the process, what the Insurer argue and what proof there indeed will be and if it is a well-founded or just a weak proof. The analyses thereof can pave the way for or not approaching a court of law.

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For a complainant it is important to know, that just repeat the problems, probably already discussed with the Insurer, won't be good enough. The matter must be addressed in detail, even supported by evidence or rebuttal evidence of what the insurer may put forward.

The insurer often rely on assessments or investigations to proof the claim decision and the Ombudsman will unfortunately too often, not challenge the evidence at all, if the complainant don't provide some sort of rebuttal evidence of same or better quality. Just denying the findings of the evidence supplied by the insurer isn't good enough to be seen as credible and successful argumentation.

One of the good measures to go to the Ombudsman will be that the Insurer must put all the supporting evidence forward and that will be given to the Complainant to review and rebut.

Even is a claim isn't overturned by the Ombudsman's decision and remain in favour of the Insurer, it will be a good support, if matters must go further to a court of law, as the complainant or his/her representative does know what will, or can be argued in court and chances of success therefore can be best evaluated.

Once the Ombudsman decides a case, the matter and decision is binding for the Insurer. However it isn't binding for the complainant, as there will still be the way to a court.

The Ombudsman must take all evidence in mind, which have been brought forward by the parties to decide. However, he cannot actively involve or even hear or question witnesses or do inspections in loco etc.

A court of law can do more, as to the possibility of questioning witnesses or parties in the examination part of the trial, or hear expert witness testimony etc., which is far more accurate and unbiased at all possible in a Ombudsman review.

The process with the Ombudsman is a long term one, and takes at least 3 to 6 month to be heard and decided.



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 with its vast experience with claims in regard of comprehensive motor car insurance cover, has learned that it will not always be a hassle free matter to be compensated.

RAMLA can help with specialised expertise, to force the insurance company to pay a claim fairly.



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RAMLA membership covers for,
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Tasks and actions in pre-
      litigation periods


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



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

Car accident issues that matters most:





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

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

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

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

We work only on 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








 

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's Insurer or a repudiation, apportioning or any other decline, such as to violation of terms and conditions.

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





  





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

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