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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.
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Below please find some issues and occurrences of common interest, listed and linked.
Car accident issues that matters most:
Keywords Section - X Y Z
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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.
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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.
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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.
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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.
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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.
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Not each and every car accident compensation claim will handled fair, correct and reasonable.
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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.
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.
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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.
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Inflated or unjust claims need proper defence against unreasonable vehicle accident compensation actions
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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.
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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.
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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
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Motor Vehicle Accident
We offer the solution in Car Accident matters, analysing, supporting, demanding, corresponding, negotiating, settlement agreements and further taking matters to a court of law in South Africa, if no amicable solution could be found, in pre-litigation, to best favourable conditions in a professional and decisive routine.
Facing challenges with motor car accident issues in South Africa?
RAMLA will be the solution,
demanding compensation, resolving disputes, defending against inflated or unreasonable claims,
in all sectors of vehicle accident damage compensation problems.
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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.
Motor Insurance incentives South Africa
Go directly to page selection Headlines
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Your specialised legal expert to sort out MVA matters
Professional - competent - swift - decisive and affordable
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Road Accident Management & Legal Action
The first stop solution for any MVA problem
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Insurance excess and no claim bonus - repercussions that can come with those
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Insurance excess and no claim bonuses are tools to attract an insurance customer.
Excess is the financial contribution an insurance client have to accept, with each and every claim made against the policy.
This tool is created for the reason of lower monthly premiums, made possible throughout the threshold to prevent each and any small claim to be made with the policy.
The amount of excess - the financial contribution in any claim - chosen by the client, will be directed by his/her risk appetite. A high amount of excess means lesser claims for ordinary issues, but more affordable premiums and cover if it comes to the huge losses.
Some conditions to excess are even part of the offer the motor insurance make, in the conditions for a policy to be established, such as higher excess for an initial period of time, extended excess for inexperienced drivers etc.
As it comes to a motor car collision and damages, some less experienced motorist think, excess is what the losses of another driver insured will be, and that was it. So it is often observed that a perhaps verbal agreement is arranged that the party causing the accident and liable, will pay the excess to the insured in order to make good for all losses.
That kind of thinking is incorrect and will just not work, unless there will be a proper settlement agreement, addressing all the issues in full and correct, as it is envisaged, even if not correct or in full knowledge of the legal implications.
The truth is, offering and paying excess, is an acknowledgement of liability and gives no way for indemnification to further damage compensation, unless agreed upon as above mentioned.
In today's times everyone is looking for savings or minimising expenditure, and that is evenly applicable for Motor Insurance Companies, paying its insured damages others caused and be liable for, looking for a recovery of such payments, given the insured is deemed not to be the one caused the accident.
Once a payment or acceptance to pay excess is made to the other party, the chance of disputing a recovery action is very small. Taking into account that even smaller damages are due to recovery actions, a protection against unreasonable or inflated demands are hampered by accepting to pay excess.
One can only benefit from those rewards, if no motor vehicle damage claim will be launched, for a definite period of time.
In cases a comprehensively insured motorist is not the liable party, for a traffic accident having found material damage to the car, there be the option to claim for compensation of the auto damage, either from the liable party or from the comprehensive motor insurance cover.
Coming to the decision not claiming from own comprehensive cover, but directly from the liable 3rd party, it must however not be forgotten informing your motor insurer of the matter, but clarify that it doesn't mean to claim, as just to comply with the obligation, informing an insurer of all that may come up against the policy.
Traffic accidents causing car damages happen every day on our roads, in South Africa. The challenges to get compensation for destruction to a vehicle or motor car are different, as to the circumstances and situation.
A short breakdown of the headlines on this page will be found by just scrolling down a bit. Those information's given are of a general nature and it may not always explain or suggest a perfect solution for a particular matter.
This is why RAMLA - Road Accident Management & Legal Action - offers a first free analyse and response to persons, faced with motor car accident compensation issues.
RAMLA is a specialised Expert in all MVA - Motor Vehicle Accident - matters and our work is focused just on solution to get compensation paid, Insurance disputes solved or taking defensive measures against unrealistic or inflated claims.
We may well be one of the most experienced experts in MVA compensation matters in South Africa. Anyone having a problem within the spectrum is welcome to contact us.
Your specialised expert to sort out MVA matters
Professional - competent - swift - decisive and affordable
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Motor Car Accident, in South Africa?
You want your car accident damages being paid for and receive your material vehicle accident damage compensation for destructions, suffered in a traffic accident on South African roads?
You are welcome to contact RAMLA to receive free advice after a free accident fact check to determine your position.
Contact RAMLA (Road Accident Management & Legal Action), tell us your Motor Vehicle Accident story, the issues of concern, the problems you detect or face and get a free check and advice how to proceed.
We will check and analyse your individual case and revert to you - most of the time in short circle -.
For best results contact us by email initially, give us an idea of the incident, attach one or two pictues of the damages or relevant situation, the extend or value of the damages suffered - if already assessed -.
In case of an Insurance claim decline, supply us with a copy of the repudidation letter, of give us the reason for the rejection and name the Insurance Company.
Should you like talking to us (phone contact displayed below), do that after the initial email briefing, but keep in mind even we need some time to check about your matter first.
You are welcome to utilise such valuable absolutely free inital advice. *
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| RAMLA can be the solution in MVA matters
Do you know that RAMLA is a specialised expert in handling and enforcing or defending all kind of MVA (motor vehicle accident) matters, pursuing motor car accident compensation claims, Insurance dispute resolutions, for its clients - effective - professional - decisive and resolute, to best and affordable fees.
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As you probably have recognised on our comprehensive web information platform, we do know what we are taking about.
We do invite anyone in South Africa, facing an MVA (motor vehicle accident) problem, to contact us for a first - free - analyse of your particular matter and get initial advice how to proceed.
As a specialist in traffic accident recovery actions, we act for clients/members in the relevant manner, but based on a paid mandate or membership, if a need of practical support arises.
We do offer a free first advice, to determinate your case and give you a direction how and what may be the way forward, in order to build confidence with a potential client.
As professional specialists, in charge of acting in motor accident damage claims in South Africa, we offer a well performing, decisive and demanding claim pursuit, at affordable fees.
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.
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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.
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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
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Why must I contribute motor car insurance excess, when claiming from my own insurance cover?
Insurance companies in South Africa create a variety of insurance offers to suit personal needs. This give a motorist the chance to influence the amount of premiums to pay, in correlation to the complexity of your insurance cover, that will be concluded as an individual motor car insurance policy, in conjunction with the general terms and conditions, the insurance company release for the policy, as a private contract.
The motor insurance policy is a complex vehicle and designed to protect losses to specified property. In order to offer competitive policy premiums, risk will be calculated and attempts made to hold claim rates as low as possible.
Furthermore some efforts be made not encourage an insurance client to claim for all possible covered under the policy, as there are incentives to be lost, that may left claims better paid by the insured directly and don't claim for each or any bagatelle damage.
Insurance excess is a contribution in money to be made by a client each and every time a claim is launched. The higher the insurance excess will be, that needs to be contributed every time, the less the premium and frequency of claims will be.
There may be different excess conditions in a policy, i.e. higher amounts if a claim will be in a certain short period after the conclusion of the policy, different, most commonly higher excess can apply if a young driver with little experience will have caused or been involved in the motor collision.
A younger and less experience driver will be a cost component in motor insurance matters and commonly do have higher excess to contribute once a claim is launched. Some car owners do know that a cover for the kids will be much more expensive as for older and experienced car drivers.
Some, buying a car for their kids and insure it under an existence cover, of a policy they do have for their own, and hand the car over to the young driver, to use it as they please, will however have a bad wake up, once an accident claim needs to be reported to the insurance.
A motor car owned by the parents and insured for them as regular user/driver, will even allow the kids to use it, but not as the main driver. A regular driver is the person using the car to the highest degree and if not registered as regular driver with the policy, there may be problems if a damage claim needs to be settled. If a claim will be investigated and found as above, by interviewing the parties, asking around etc. the claim may be declined.
Rather accept a fair excess and premiums applicable to be paid for the correct regular driver, even if higher as expected, as take just the risk paying premiums without a cover at the end.
The idea of excess will be, to hold persons from claiming for each and any bagatelles and as a form of individual risk influence, as a fairly high excess will reduce pay-outs, and consequently reduce the risk insured, allowing for a better or lower premium.
It should be kept in mind, that excess will only apply in claims against the own, comprehensive cover. The amount of excess concluded, should be somewhere in the middle between low and high excess. Choosing no excess applying will increase premiums remarkably and very high excess may reduce premiums, but in case of a risk needs to be dealt with, it can be just the shortfall not matching the pictures causing financial stress.
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RAMLA (Road accident management and Legal Action), is a specialist in material car accident management in South Africa.
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Motor car insurance excess is not to criticise as it had been your choice at the time you select your insurance company and the tariff.
If you haven't caused and not liable for the car accident you are claiming for damages, with your own comprehensive insurance cover, you may be refunded for the excess contribution, depending on your contract details and the work of the recovery department of your insurance company, if claiming back the compensation paid to you, from the truly liable party or his/her insurance.
Being not the liable party in a car accident, one must not necessarily claim from own insurance cover, then avoiding all negatives which may come with the insurance policy, in case of a claim.
Contributing the insurance excess and claim from own comprehensive cover, despite being the liable party, may be favourable in South Africa, as soon as the other party enter in dispute or isn't insured, for at least 3rd party motor accident damage compensation.
As South African motor insurances very often, if not always involves in claims on behalf of clients, analysing damages, decide on liabilities, dispute a claim or offer settlement, it may be well worth swallow the pay or contribution of the excess, compared with legal cost applying once help in the pursuit of the matter is needed.
The Insurer will be keen and sue the indeed liable party for the sum of damages, to get paid back for what has been paid to the client. The excess deducted from the pay-out or contributed at the place of damage repair, should be included in the recovery action and if successfully finalised paid back to the insured, who contributed it before temporarily.
Submit your accident documentation for initial review by RAMLA claim service, and receive comments and recommendations, absolutely free.
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Your no claim Bonus may be lost when claiming with your comprehensive motor car insurance
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Your no claim Bonus may be lost when claiming with your comprehensive motor car insurance . . .
Some motor car insurance companies in South Africa, keep its insurance offers attractive, by promising the payback of a small portion of premiums paid over a certain time - provided that no claim for damages had been launched.
If an insured do not claim from insurance cover for a period of time, a client is seen as a "good risk", as premiums have been paid, but the insurance company did not need to pay out for a claim. Depending on tariffs and the benefit schemes the insurance company offers, an insured will see a reward, by paying out a small part of the premiums, you already paid them for cover enjoyed.
A number of insured clients, claim for motor car accident damages from own insurance cover (even when not liable for the damage), because you just want getting rid of the hassle in a compensation claim, or shorten the time one have to wait for compensation money while fighting for the matter.In such a matter the no claim bonus, will be lost,and probably on top, depending on the insurance contract, need to contribute some insurance excess accepted with the policy.
Some South African insurance companies promise that you get always something out, even if you claim. But somehow the insurance scheme, risk and costs, as well as profits must be covered.
Selecting the right insurance tariffs and cover, what you really want and need, one should make a careful analysis beforehand, to be sure that this is a cover that suits the needs and not to pay upfront for something one will be gratefully awarded a small portion of it, back later.
Submit your accident documentation for initial review by RAMLA claim service, and receive comments and recommendations, absolutely free.
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Risk losing your claim if you are not well prepared!
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The insurance company paid the damage to its insured, but claims back money from the other, deemed the liable party?
It will be called a recovery claim, if in cases where the insured party - not liable for the car accident damage - but insured comprehensive, his/her insurance will pay in the first place, for the car accident damage another will be liable for suing the deemed liable party to pay back all expenses.
Once the insurance paid its insured, it is however most probably expectable, that the recovery department of the insurance company will claim back from the liable party, what they paid out to its insured, especially if the liable one is not insured against such car accident damage claims. Some companies have joined a "knock for knock" agreement, that will mean they take risk against risk and don't pursuit individual recovery's. This may be bad for the recovery of any excess contributed. In such a case the insurance client should be given the right and enforce the excess contributed on its own.
Facing a recovery claim against you and not happy with what the claim will be or made out for, either one disagree with the question of liability for the car accident at all, or feeling that the compensation reclaimed, by the others party's car insurance company, is unexpected high or unreasonable, one must look on the facts and evidence at hand and ask for proofs in matters not agreeable.
Receiving such proof or evidence, you may be able to evaluate and verify what had been put forward against you and as such decide to accept or defend the claim, for vehicle accident compensation, or get involved in order to mitigate the claim, as it may be unreasonable high.
But to experience it is not always an easy task for the party's, held or alleged being liable or contributed to the cause of the accident and determine what of the claim will be correct and what might or must be dismissed. There are too many easy to apply allegations and it will need some experience to rebut.
It can take some time before such "recovery claim" is initialised, by the representatives of the insurance company that paid its client already, before the legal compensation claim is served. One year after an incident isn't surprisingly long. If one want and rebut any such car accident claim, a Defendant must be in possession of suitable proof and evidence, having a chance to defend a late recovery action, successfully.
It will nearly be impossible to gather such proofs and evidence to have supporting arguments, if its missed out to do so in time and at the scene of accident and furthermore conserved to have it readily available for at least a three year period after the impact, the time a claim will prescribe, if no summons has been served before.
It is very advisable to have sufficient proof of the circumstances and the damage even occurred to the other party to verify the substance of damages in a later state. Without proof, facts and proper documentation, a defendant will not be able to stand a claim, for car accident compensation against themselves, successfully.
Paying the other parties excess, will not be a good idea or solution to end and settle a claim
In cases of traffic accidents, where the innocent party being insured and the other causing damages - not insured, quite often arrangements are attempted to been made, where the liable party suggest to the insured, to pay for the Excess stipulated in such policy, to hold the insured free of losses, if the comprehensive insured claim from own cover.
Such arrangement may perhaps satisfy the party that suffered the damages, but it may not satisfy the motor insurance company, and make them to forget about a recovery claim for all damages.
If the parties in a car accident agree on liability and the one caused the damage admit to be at fault, but see itself as heavy burdened with the compensation to be paid, they may agree to solve the matter by claiming from the Insured's cover, despite the insured is not the liable party and the party caused the car accident damages, just take care of own damages and offer to reimburse the insured for losses to be contributed to the Insurer, such as Excess and/or loss of other benefits, such as no claim bonus etc.
However the insurance company that will perhaps pay the insured party, but commonly don't want to pay for damages, not caused by the insured. That means, the Insurer may look for a recovery of those expenses in a demand or recovery action.
If the excess has been paid over to the insured victim, it will constitute a concluded action of accepting liability. The payment for excess possibly wouldn't be effected, if the other party has been in dispute of liability.
This means a payment of excess will be regarded and utilised as an acknowledgement of liability in a recovery claim and can hardly be denied or defended, if it turns out the recovery claim is unreasonable or inflated.
Instead of accepting to pay the Excess, it is advisable to rather expect a recovery claim and once confronted with it, to see what is at stake and what can or should be accepted.
Should it turn out the claim is not acceptable to whatever reasons, a dispute or defence will still be open to pursuit, which in accepting or paying Excess will not be possible the same way.
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RAMLA - Road Accident Management and Legal Action - is one of South Africa's most experienced and decisive advocates to sort out legal disputes with parties, Insurance companies or act in defence for clients, confronted with unreasonable or inflated claims.
Car accident issues that matters most:
We are legal specialist in motor car accident damage recovery matters and offer our services to those suffering damages or in need to defend unreasonable or inflated claims.
Taking on disputes with motor insurance companies, engage and solve unfair declines or incorrect apportionment of damages, oppose a wrong assessed Quantum, or take a matter on review with the Ombudsman (OSTI), to get a matter of comprehensive insurance dispute reviewed.
Sometimes, if a matter cannot be resolved in a full attempt, and the case need to be heard in a court of law, should all fail to find a solution in pre-litigation, the escalation to a court of law is inevitable, we will suppot the action.
RAMLA can get you through the trouble, get reluctant parties moving serving Summons, for just some affordable fees, commonly just equal or lower then towing/storage cost may be.
We are one of the most experienced, decisive advocates, when it comes to car accident problems - issues of compensation or defence against unreasonable or inflated claims, bad repair practice and much more.
We work only on motor car accident matters.
Check us out, so you do know if we can uphold we say, free of charge.
Welcome to RAMLA
Road Accicent Management & Legal Action - South Africa
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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.
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How going forward once there is a claim or dispute or other challenges?
Well, once someone checks a web site as this one RAMLA presents, there will be some sort of a problem.
Motor Vehicle Accident (MVA) issues are manifold and can be complex.
It may either be that there is no response from the liable party or the Insurer, the other party repudiate, apportioning damage liability leading to a short falling compensation offer, or any other claim decline, such as to violation of Insurance terms and conditions. All need experienced attention.
There are even cases, where a claim is directed to a 3rd party, deemed liable and demanded, but no engagement noticed.
Lot of issues coming up in MVA - car accident matters, may not be handled according to valid law, or wrongly interpreted.
There are many people in South Africa's motor insurance industry, without a legal background and act under instructions, don't care, nor perhaps not having the necessary skills, or just follow a strategy, to get rid of valid claims.
Such should not be accepted and the challenge taken head on, even if it comes with some engagement.
RAMLA as a specialised legal expert can solve such problems, just for a fraction in fees what you may miss out, if you don't have the right support.
In our view, it is not the correct way and get a legitimate claimant's demand, just been brushed away, isn't it?
Just take the time and contact, tell us about the matter and let us take care of it.
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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.
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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.
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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.
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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.
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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.
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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.
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Should you have been through all before . . .
and still think we can be the one to solve your motor vehicle accident compensation problem in South Africa, just get in contact with us.
You're welcome to be served perfectly.
Kind Regards
Your RAMLA team
Nationwide Claim Service
SMS RAMLA to 076 770 3179
and let us know the problem, or much better send an e-mail to:
ramla@ramla.co.za
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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
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Motor Insurance Disputes
An insurance claim, either as a third party or comprehensive claim can come with a number of challenges.
Having the knowledge and experience, is a prerequisite to stand through against sometimes very strange arguments or decisions utilised by South African Motor Insurance Companies or its Brokers.
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Ombudsman for short term Insurance (OSTI)
The Ombudsman for short term insurance disputes (OSTI) reviews matters that emanates from Insurance policy differences or disputes.
That means only contractual issues can be given for review and no 3rd party claims issues can be addressed to the Ombudsman.
Many people believe in objectivity and sympathies the Ombudsman may have to issues, believed to have been made unfairly by any Insurance decider.
It must however not always be expected that OSTI is in favour of Insurance clients to protect their rights.
Too often the decisions taken by the Ombudsman's office are backing the Insurance decision, particularly so as the evidence provided hasn't rebutted the Insurers argument, due to lack of knowledge.
The often one-sided information provided by the Insurer, even without verification, is taken for the decision, if a client in need for help doesn't know how to repudiate false or weak allegations and the matter will most probably be lost and the Insurer rests relaxed.
The Institution of the OSTI office is financed by the Insurance Industry.
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A reluctant party try to hide and not engage?
Don't allow a party to act in such manner. A liable driver must take responsibility, but it can be a challenge if you have been too patient or trustful of promises and the other do know how to make you struggle.
It must be noted that a claim is easier declined than proven, and factual proof is what is meant the claimant has the onus of proof.
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Companies don't engaging into claims they are vicariously liable for its employees
Companies are in some circumstances responsible and vicariously liable for employee's action and damages, if in charge for the business.
Despite most such companies may maintain a valid insurance cover, not many are open to an amicable solution and reluctant to support a claim.
The problem may just be that those who employ personal which need take part in public traffic in order to do the job get too much involved in car accidents throughout the employee's mistakes and don't like seeing the insurance cover in danger or face higher risk premiums.
There are commonly more difficulties to get matters processed as if claiming against a private person.
Our advice, get support as soon you feel something may not go as expected.
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Alcohol or drugs a driver has abused but driving a car under the influence and causing the accident
Alcohol or Drugs shouldn't be consumed when on the road, for good reasons, and prohibited by law.
Once alcohol or drugs are suspected or proven, any insurance cover will lapse and no compensation can be expected covered by any Insurance.
However, the misuse of drugs and or alcohol must be proven in a professional manner.
It will not be acceptable, if an Insurer or another party just allege the other being intoxicated.
No witness or any observer can detect any or the degree of intoxication, even if they are medics, without scientific analyses, there is no proof.
Breathalyser and professional medical laboratory tests must show if any intoxication and to what degree, to get a claim declined or even to make one against another.
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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
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