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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 car damage - "written off"
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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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Market value - Trade and Retail Value - "written off"
. . . are important factors in a claim for motor car accident damage compensation in South Africa
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Once car accidents occur, there is a chance that the repair cost will exceed the market value - it is called a write off
South African law in delictual legislation, stipulates that a victim of a car accident must be compensated to state the vehice been in before accident or the amount of damage to repair the car, but limited to the amount the car has been worth, before the impact.
As the point of reference is the damaged vehicles market value - before impact - any found damages and subsequent repair cost, may only be as much or high as the car been worth in pre-collision value or again market value.
Any repair cost exceeding the pre-collision value will be leading to write off the car as uneconomical to be repaired, as repairs will exceed market value.
That means that the "market value" is a key figure in a compensation claim.
In case the repair costs will exceed the market value, a motor car may be classified a "write off". The conclusion will be, the damage claim value must be limited to the amount of the - market value - the vehicle been worth in money terms, before impact.
Any compensation exceeding the market value, so the definition, will in effect over benefit and so is a form of enrichment. The law only support fair compensation and not enrichment.
One can discuss such in a general manner, as if it comes to replace a vehicle for the amount of compensation received for a write off, many may find it difficult, if not impossible, in their search finding a suitable replacement on the market, for just the funds available from compensation.
Furthermore, the so called scrap value or Salvage of the damaged car will even be looked on.
Salvage - or the value the scrap is supposed to sell for, is part of the compensation and money calculated for salvage/scrap can be deducted from the pay out to market value, as part of the compensation.
The Salvage will be deducted from the compensation amount. In order to recuperate such deducted money, is by selling the damaged or scrap car to anyone who may want it.
Both such values, the market value and the salvage, can be found wrongly applied, which will in turn lead - in most cases - to a shortfall of compensation.
In cases of a write off settlement offer, it is always advisable to have it checked before signing it, as once signed all avenues to challenge may be blocked.
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RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable. Contact RAMLA for your support to have a damage claim paid or defenced. Contact
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Caught up in a car accident and the vehicle crash caused serious damage to your motor car, it will be called a "write off", it might be a challenge to be compensated fair and full.
The problems with most of South African motor insurance companies, can come to a peak, if it's considered the car accident damages will economically not be worth to repair and so be a total loss as to a number of values influencing the compensation offer, such as market - trade - retail or scrap/salvage value.
The auto wrack, subsequently is then classify as a write off, beyond repair or a total loss or called totalled.
This kicks in, when an assessment consider the repair cost higher than the actual market value, identified by the Insurer as to applicable methods determined by the policy terms, which can differ to the prevailing law, as it is stating, being the value just before the accident happened (pre-collision value).
The pre-collision value will be the amount of money a willing buyer is prepared to pay for the vehicle, in this case to the state of the car before accident damages.
There may well be significant differences between expectations in damage compensation and those the insurance company will offer to pay. It can really differ significantly.
Determination of the status to be a write off, will start right with the definition and determination of the true market value, for accident damaged vehicles, as to find the pre collision value.
Often listed values, such to be found in value schemes, commonly created for motor car dealerships, to guide finding values for buy (trade in) and/or sell used motor cars, but not explicit created to determine values for accident damaged vehicles, as to define pre collision value.
When it comes to the point that the liable party, or most often the insurance company for the party, qualifies the auto accident damage as so serious, that it will be called a "write off" or total loss, as the determined repair cost will exceed the market value, you may perhaps find yourself in big trouble.
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.
how to contact RAMLA, in what way best to do and what we need knowing to reply
Your specialised expert to sort out MVA matters
Professional - competent - swift - decisive and affordable
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Uneconomical to repair - write off - total loss
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Claiming for a total loss from the liable party - 3rd party - or from the own comprehensive motor insurance cover
There will be differences in procedures and conditions, when you claim from your own comprehensive auto insurance cover to be compensated for a total loss or write off, as if you claim from the 3rd party.
If you claim from a 3rd party, liable for the motor car accident, the law of delict applies for the rules and conditions for a compensation action.
Differently to a claim against an own comprehensive motor insurance cover, none of your special conditions of your insurance contract or any other exclusion accepted to hold the premium low, apply.
In case one claims from own comprehensive motor cover, all the contractual details of the insurance policy and the terms and conditions thereto, will be needed to be respected and will or can have consequences to pay outs.
The imagination the insurance will compensate for traffic accident damage in full, just as expected and as the customer is in believe to be insured all around for, must not always come true. When you need to claim from your own insurance cover, you need to know about your rights and terms and possible limitations or exclusions, you concluded with them, in order to understand or challenge a decision.
In order deciding to accept or reject a settlment offer, to pay for a write off, if comprehensively insured it is often a matter of terms and conditions.
In case a Claimant (even if insured comprehensive) is not the liable driver causing the accident, he/she will still have the chance to claim from the liable party directly, instead of a claim against own cover.
Given there is a comprehensive cover and the insured seen as a good insurance risk, meaning not have claimed in the past too much, and not having to face exorbitant insurance excess and/or other exclusion, it may be a good thing in South Africa, to claim from own cover.
If it comes to claim or defence actions, most or almost all, South African motor insurers act on behalf of the insured client, as stipulated in the insurance contract.
On one hand it will be easy and comfortable for an insured to lean back and let them pursue the claim, but on the other hand have to accept any outcome or shortfall, if applicable according to the policy.
Experiencing difficulties in the claiming process or disagreement/shortfall in a compensation offer, it will be very advisable to take experienced expert advice not to lose out unnecessary.
No contractual limitations will apply, if a party claims against another party, for the compensation of a "written off" vehicle
Claiming against a 3rd party, even they do have 3rd party insurance cover, for damage compensation caused in a traffic accident, those contractual limitations, as it may be in dealing with own insurance policy cover, will not apply.
No private contractual limitations, as insurance excess etc., that may have been accepted in the own insurance contract, to lower your premiums, are of no influence to a 3rd party claim.
A 3rd party motor accident claim only refers to the conditions of the law, saying the liable party must compensate another, suffered damages without 3rd party contribution to the cause of the accident, to the state the vehicle has been in pre collision, as either to repair the motor vehicle accordingly or pay the market value, minus salvage, or if no deduction of Salvage is at stake, subrogate or hand over the salvage, against full cash compensation.
The difference may be significant as the 3rd party must compensate to the state the damaged car had been in, as to before the accident, but not more than the correct market value, without any chance of downscale or impose other financial burden onto you the victim, of an auto accident damage.
The major argument to claim from your own comprehensive insurance cover, not claim from a liable third party, even given the other party is properly insured against 3rd party motor car damage claims, will be that you hopefully save time and let the recovery department of the insurance claim back the compensation paid out.
Another and better reason, claiming from own comprehensive cover, will be if the other party doesn't have insurance cover at all, as it may be worth accepting the shortfall, before pursuing an own claim against the 3rd party.
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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Market value . . . trade and retail value and Salvage
Market value of a motor vehicle, in general terms, is the price a willing buyer and seller agree to in a sale and conclude a deal.
Market value is as easy to find, as it is saying market. Market means certainly the conditions in a real world, if a car is for sale or one looking for buying.
That implies that circumstances, such as economic cycles, technical conversions, pre conditions of a particular vehicle, not only to type and mileages but even to technical and chassis condition, interior and/or extras, should play a role in a determination of a particular vehicle market value.
However in general it is not the case, as most people in charge determining any market value, will use schemes and formulas available or contractually applicable.
A good check for the acceptability of any determined market value can be a check in the real world as to find offers to buy or sell and compare such with the calculated one.
However it is only advisable to challenge a defined market value if there are proper examples to show a similar comparable vehicle as the damaged one, as to type - make - age - mileage etc., indeed show a remarkable difference.
Any such compared example must be accessible and be for sale or buy, in a reasonable distance from your home. It is not advisable to challenge any value determination for just a few hundred Rand, as problems will only unnecessary exacerbate.
As we are dealing with car accident damage compensation matters on our comprehensive web pages, the market value is a key figure in the process of determine compensation.
The South African law, states that motor car accident compensation must get the victim of a traffic collision, back to the financial state, in which the claimant had been before (pre collision), in regard of the damaged vehicle, before the traffic accident happened. But that only apply, once the other party will be found, or accepted 100% liability, for the cause of the car crash.
It is by far too often observed, that acceptance of 100% liability, in settlement offer from Motor Insurance Companies, is the exception rather as the rule.
Apportioning liability is a method of choice to downscale payouts and even a claim accepted on a basis of 70/30 in favour of a Claimant, can mean huge losses.
Depending on the damage values of both parties, i.e. if the damages on the insured liable driver are significantly higher as own damages, it can lead to a very small or even no compensation at all.
As a motor car loses value on a day to day basis, once on the road (Depreciation), this influence must be factored in, determining the market value of a vehicle, it is unrealistic to expect to be compensated for what price the car been bought for, even if just recently.
How much the market value may be, is dependent on the type, age, condition, extras and mileages of the motor vehicle.
But there are different methods in determining a market value. The true market value is the average price a willing buyer must pay, buying a used motor car, to specification either privately or from a dealership.
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RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable. Contact RAMLA for your support to have a damage claim paid or defenced. Contact
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Differently to the real world of car value, as is the offer in the market for used motor cars, South African motor insurance companies apply value schemes, determining the market value for its use to calculate.
Unfortunately those schemes are not pre dominantly made for the determination of general market values, but for the orientation of motor car dealers assisting its trade.
This schemes orientates on two values, the one is to determine the trade in value and the other to give an idea of a retail sale price.
The motor insurer takes the two values, that are corresponding to the type and specification of the vehicle in general, determining the value, as taking and adding trade and retail value and divide such /2. This method has no direct relation to the effective market value as mentioned above, as it is a theoretical value and serves foremost for car dealerships.
Trade and Retail value are part of some insurance calulations to find the market value
Both - Trade and Retail Value - are listed in value schemes, such as book-value - Audatex etc.
The trade value, taken into consideration, represents a recommendation for a car dealer to trade in a motor vehicle. Trading in means buy a used car, with the intention to sell it, for a better price to cover cost and profit for the dealership.
Retail value, is the recommended sales price to the car dealer, the specified vehicle will probably sell for. No car dealer will be bound on the retail value, pricing the vehicle on offer. It's the market, which allows a higher or sometimes even lower price.
Marked value utilised for qualifying a car as a wreck, is commonly calculated by taking, a however selected value scheme - Trade and Retail value of an identified type and model, artificially adding together and divide by two, to come to an amount in the middle of both - now called market value.
It must be known that there are a number of different schemes, which all may differ in values for the explicit figures for a particular car.
One of those scheme values will most probably be selected and be taken to find the amount a South African motor insurance company will base a settlement offer on.
It appears to be obvious, that this approach to determine a true market value is not a fair one, but only a rough method to process a claim in the easiest way on a more standardised basis.
It appears to be obvious, that this approach to determine a true market value is not a fair one, but only a rough method to process a claim in the easiest way on a more standardised basis and should be crosschecked against the test in the real world of used car sales.
Commonly the retail value, listed in the dealer scheme, can be one measure to be in place, to determine a present motor vehicles market value, as it may be close to the auto trading world. The combination of trade and retail value, will ipso facto, leads to a shortage of compensation value.
This calculation must or will not represent your individual motor vehicles value. Your motor car may be worth more, due to some extras or less mileage etc., or it may be of less value, if the average criteria's utilised in the schedule, will be overshoot by some factors as high mileage or bad condition.
Market value, next to a professional calculation of repair costs, is the most important measure, when it is to determine to have or have not, a write off to be dealt with.
Any motor car must be professionally repaired if the repair cost does not exceed the market value. If a relating values will be calculated low or incorrect, it may well be a damaged car will not seen fit to be repaired, despite economically viable.
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RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable. Contact RAMLA for your support to have a damage claim paid or defenced. Contact
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An incorrect, most commonly too low market value and sometimes even in combination, a too high salvage value (the amount of money subtracted from pay out, as the scrap still represents some value) may lead to a very bad compensation, if agreed to.
Once the calculation of the repair costs, getting your vehicle back to the state before impact, are higher as the determined market value and uneconomical repairing in such regard, compensation will be granted to the maximum of market value, as the legislation regard this a the maximum compensation minus salvage or subrogation of the wrecked car against full pay.
The value of the salvage, must be realised either by hand over the damaged car to the other party against full pay or sold on the market, most often to salvage dealers or scrap yards.
The value of the Salvage will commonly be determined by the vehicle assessment or the insurance company/other party. Far too often, such assessment or offer is merely taken as a percentage of the market value, in the range of 20 to 50% of it.
As it will be difficult to determine market value on dealership schemes; it will even be more unrealistic to just take a percentage of the market value and arrive at a salvage value, without any individual check out, if the wrack can be sold in the range, leaving the problem to others.
A percentage of 20 will be a very low one and one at 50 to 40% a very high one. Some sort of realistic percentage may be around 30%, but it will still be a determination without facts and only be a number over a big thumb.
Especially scrap yards or scrap dealer even those specialised and called SMD - Salvage Management and Disposal, do know how vulnerable owners and seller of accident salvage cars are. They however do know how to make a profit of the scrap and the extent will be as better, as lower the trade in costs.
It's highly unlikely that a scrap dealer will take in salvages to pre calculated values, as they will often be to high for them to make sufficient profit out of the deal, but the pressured salvage owner, already concluded a settlement deal, doesn't have many chances anymore.
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Why good legal service is essential to support your car accident damage claim in South Africa?
RAMLA is capable take complicated matters, such as a "write off" - totalled or beyond repair, case forward for its clients.
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There are several approaches to find the correct market value. You will find that the party liable to pay for motor car accident damages will probably downscale the market value.
Most often the determination if it is a written off, starts with a motor vehicle damage assessment, done by an assessor working in the order and pay of the insurance. Such assessors are encouraged to downscale the pro rata damage as good as possible.
One relatively easy route to do, is to write off a vehicle at the earliest possible. A write off gives most opportunities to leverage values and alter payouts, as laid out above.
Frequently seen, a victim of a car accident, after a subsequent vehicle damage assessment took place, will not even be informed of time of assessing or about the findings, not mentioned that it may take some efforts to receive a copy of the damage assessment report.
Heaving received, read and understood an assessment report, is of outmost important to enable the claimant verifying the results.
An experienced supporter, such as RAMLA can help you further the way to fair and full traffic accident damage compensation.
Submit your accident documentation for initial review by RAMLA claim service, and receive comments and recommendations, absolutely free.
The definition to call a vehicle "written off" . . .
When you are involved in a car accident and the vehicle crash had left you with serious damage to your motor car, so that the cost of professional repair will exceed the pre-collision or market value of the vehicle, it will be called a "write off".
There are many self made experts and when looking on a badly damaged vehicle, they feel encouraged to categorise such damaged vehicle easily a write off, not even knowing if true or not.
We have had a number of reports, even Police Officers at the scene of the accident, get involved and telling people what they think and write off a car, once the Airbag may be deployed.
Please note, no layman can with some degree of reliability say if a car is indeed a write off. Only after a thorough damage assessing a status write off can be established, as it will be the case once the necessary professional repair cost, to get the vehicle back to pre collision state, will exceed the true market value.
We like pointing out that badly damaged looking vehicle may not always be a write off at the end and another car look quite ok, can be end up to be a write off. All depends on the particular damages and its repair values.
A vehicle whose cassis is bend and therefore do have structural damages and cannot be repaired, will be difficult to detect with the naked eye, but certainly be found during a professional damage check.
Write off conditions the Law defines and those definite by an Insurance contract
The law is the general rule made by lawmakers and enforced in Courts of Law. The rule by law, for writing of a damaged vehicle is - once the necessary professional repair cost, to get the vehicle back to pre collision state, will exceed the true market value.
However the law allows citizens or entities to conclude contracts that lay out contractual relationships between contractors such as Insurer and Insured. Those privately concluded contracts can to some extent, overrule the valid and general applicable law. This is particularly so in any Motor Insurance Policy and its terms and conditions.
That means, comprehensive insured persons may find different rules and conditions to write off a damaged vehicle and apply additional compensation methods.
This for example can lead an Insurance claim negotiator to decide a write off already below the conditions of the law, ie, if the damage amounts to a certain percentage of the determined marked value.
Some Insurance Companies go as far as 70%, or even below, to allow for writing of a damaged car for insurance purposes. The details and provisions when and how to write off a car, must be stipulated in your terms and conditions.
The terms of your insurance policy may have a significant impact, of when and to which conditions, a motor vehicle can be called a write off, but only under comprehensive cover rules.
Once a motorist claims from a 3rd party, meaning the victim claims from the liable party or the insurer behind him/her, only the conditions of the law will apply in determination, if and when a motor car will be indeed be written off, being the case only, if the fair and reasonable repair costs, exceed the unbiased and market related value of the motor car, before the impact.
In a third party claim such limitations don't apply, and writing a motor vehicle off, can only be established once effectively the repair costs will exceed the fair market value.
Purchasing another car to similar condition, for the amount been compensated, can be a challenge
As a motor accident happened, there is nothing more to do, as containing the negatives to the smallest possible effect.
Repairing a severe damaged motor car, called a write off, is not always a good option and only suitable for those, who know exactly what they do.
But a motorist lost the motor car in the crash, want and need being back mobile, meaning another comparable motor car must be found, best to the price of the compensation offer.
The recommendation will be, to check about the opportunities in the market for used motor cars, finding a suitable vehicle, before accepting any settlement.
Requesting the other party to supply you with such comparable and suitable motor vehicle, instead pay-out of compensation is an option but doesn't often be heard of nor accepted.
As mentioned any attempt to draw on matters to buy a comparable replacement, orientated on close and similar specifications, such as type, miles etc., should be checked out before a concluded Settlement.
If it turns out the market will not offer any suitable purchase, similar to the loss and compensation conditions, it is an indicator that the compensation at stake is not sufficient.
That may mean, either to accept a shortfall, if a settlement will be concluded or a dispute is at hand and need to be addressed, as commonly the market value in the settlement calculation is to low or deducted Salvage to high.
Once the settlement offer is signed, there will be no way back, if it turns out that there will be no such suitable auto replacement available, and any extra expenses will be to the burden of the victim.
Salvage and disposal of the wreck or scrap
Most of the time, the damaged and scraped vehicle, will still represent a certain value, called salvage, that needs to be deposed of, either remaining the property of the claimant, against deduction of the financial equivalent from the pay out, or become the property of the party or insurance company, that pay out the full damages.
Next to the question of correct market value, the determination of the salvage value can be a factor of dispute, but furthermore the practical disposal of the wreck, can be a challenge.
A wreck, or salvage in a motor accident, can be sold privately to a SMD (Salvage management and Disposal) or scrap yards etc.
It must be expectable or even assured, that the salvage can be sold for the value calculated in the Settlement agreement, once a claimant is demanded to dispose of it in order to receive fair compensation. Any shortfall in the disposal or sale of the scrap is a shortfall of compensation.
It will bear a risk, disposing the salvage without already having an offer to purchase, to the condition assessed and applied in the settlement, before eventually concluding the settlement and sign.
The disposal of a car accident wreck, may bear some challenges, as to who will be a buyer, how to find a potential and fair purchaser, getting the wrack off a storage place in time etc. and for someone never done such sale, it is to think about again, before accepting the duty to dispose.
What will be a fair value for Salvage, if not determined by the through a purchase offer
Insurance companies sell their scrap to specialise scrap dealers, to a general agreement that will give them between 22 and 28% of the calculated market value.
That bracket of value - from 22 to 28% from the market value, can be regarded as a fair offer.
However Insurance companies are trying getting a higher value in claims, as from 30 to 40% of the market value, to make a profit on it.
This will certainly not be fair to a claimant, in search of a fair deal, as a significant loss can be expected, when trying to sell the scrap to just this amount.
It is recommended to search the market for a Salvage buying offer early, when it becomes clear that the vehicle will be written off.
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RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable. Contact RAMLA for your support to have a damage claim paid or defenced. Contact
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It is however sometimes possible, for a hands on knowledgeable person, to repair a wreck just to lower costs as professional repairer can do so. Being declared a write off doesn't mean it's beyond repair at all. It's only meant to be not economically worth, if a professional auto body repairer do the work.
It must certainly always be looked onto the individual circumstances, but only a person who know exactly what to do, should consider disposal or even repair the wreck to own conditions.
Enforcing a repair of the car, despite the facts uphold the status of a write off, is not possible and must be accepted. Enforcing a repair despite uneconomically to be repaired will not be covered or supported under South African law.
But it is often observed, that the assessors from insurance companies, send for a vehicle damage assessment, qualify a motor car as "written of" too soon and not fair, as it opens up some avenues to downscale the damage value.
Some insurance companies in South Africa, trying making own rules sometimes as they are aware, against valid law, to what they try and qualify a write off and what they are likely to accept to pay for compensation, even in 3rd party claims, just taking the weight of them against a regular claimant and argue, take or leave it.
Such take or leave offer, can sadly commonly only be challenged with legal actions in a court of law.
It is proven fact that some insurance companies apply "standard procedures", by i.e. making just a percentage of the assessed value of the damaged vehicle as a basis to decide make it a "write off", which is against the law in 3rd party claims.
Influencing a compensation offer and a change it, can only be achieved, before a settlement agreement is signed.
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RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable. Contact RAMLA for your support to have a damage claim paid or defenced. Contact
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Relinquish Salvage to the Claimant or Insurance
Relinquish a motor car to the Insurer or to another, who paid for accident damages by pressure or force, will apply only if any contractual condition will stipulate so, commonly in an Insurance Policy, give the Insurer the right to the option to request transfer of ownership and possession.
As mentioned earlier Salvage is one part in- write off - compensation, as to the fact that the wreck perhaps can be sold to someone for cash, so the established price or value is confirmed.
If the wreck isn't sold before calculating to compensate for a write off claim, the value must be determined, either by an Assessors estimate or by other means, as to apply a percentage from the found market value, as a guide to find a value for a particular car wreck.
It must however be clear, that any percentage determination will only be an estimate and may have no real correlation to the scrap value on the market.
The disposal or sale of the scrapped vehicle must be taken care of, in order to realise the money, as part of the compensation.
As in many other ways of dealing in South Africa, some are specialising in dealing with scrap, in order to make some profits.
Some Insurance companies do have bulk sale contracts with scrap yards or foremost with SMD - Salvage Management and Disposal. Such businesses pay the Insurer for all and any they trade in, a specified equal amount, of i.e. 30% of the calculated market value for compensation, regardless of the condition or real world value of the wreck.
Motor Insurer decide how to deal with scrap disposal, particularly in comprehensive cover policies and if they opted for a contract to dispose scrap throughout the above channel, they will insist to get the wreck relinquished - take over ownership and practical possession - in order to sell it further to such disposal specialist, for a reliable and pre known return.
It is difficult to say, if this way of disposing accident wrecks is a good way.
But it is certainly one to go, as for a regular motorist or car owner, it may be difficult to find a fair offer to sell any scrap to a willing buyer for a fair cash deal.
On the other hand this over all buy contracts can influence scrap value sale prices, bringing them to the lowest possible level, as certainly all dealing with scrap are profit orientated and some are even greedy aw others act in a almost criminal manner, particularly if in connection with storage fees.
For some however, the need to relinquish the scrap is bad news, as they intend to maintain ownership and stay in possession of the wreck, in order to repair/restore it themselves.
As to contractual conditions in comprehensive policies, they may however be obliged to relinquish and can only buy back the car from those dealers the Insurer sold the car against the Insured's request.
Getting back the car, will need to accept the sale price and conditions of those new owners, which - with no surprise - must cover their costs and profits.
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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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