Motor vehicle accident damage claim enforcement
- defence against inflated or unreasonable claims
- Motor Insurance disputes - claim declines



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Recovery material damage in a car accident





Car accident damage claim enforcement

Rebutting unfair settlement offers

Insurance claim declines or dismissal

Defence against unreasonable or inflated claims

Support pursuit in any MVA matters, in South Africa


Road Accident Management & Legal Action
(RAMLA)






We are car accident damage compensation recovery specialists

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




                                                             RAMLA - car accident damage claim service South Africa

You do have an issue with any kind of Car Accident claims, disputes, rejected claims or the need of enforcing your traffic accident compensation, in South Africa?



RAMLA - car accident damage claim service South Africa

RAMLA is a specialised legal Expert in regard to Motor Vehicle Accident damage compensation enforcement, or assistance in defensive actions against unreasonable or inflated claims.



Select issues of interest by keyword search



      car accident in South Africa





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The content and information supplied are linked and legally associated to the disclaimer, supplied at the end of the page and for private individual purposes only.





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

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

Car accident issues that matters most:









      facilitating a claim



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

     not insured motorist

     3rd party claim

     reluctant party





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   value of damages



   Calculation of damages

   Quote or assessing

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





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   Insurance claim evaluation, decline, dispute



     


   3rd party claim

   comprehensive claim

      violation of terms (t&c)

      in regard to investigations

   declined claim

   insuficient settelement

   Apportionment

   Precedent / case law

   Defend Recovery Action





     




Should you do not find the issue you are looking for, contact RAMLA (Road Accident Management & Legal Action), as one of the most experienced experts in matters of car accident damage recovery claims.

We however believe the issue in question will be found on one of the other pages on the

RAMLA comprehensive MVA - motor vehicle accident - Information Platform,

but as we haven't installed a search function, rather contact RAMLA, instead of waste time for a search.

There are sections in the main top selector, such as claim, assessment, legal and insurance matters; you may navigate to find what you're looking for.





Apply for RAMLA Membership NOW



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

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

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

                  Professional - competent - swift - decisive and affordable






         Issues with South African Motor Insurance companies

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Should a matter be taken to a court of law?

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

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

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

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

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

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








car accident in South Africa

car accident in South Africa






















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

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



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


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

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


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


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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

If you have been unlucky dragged into an auto accident caused by another one or more motorist who drove negligent, not abiding the rules of the road or even careless and subsequent suffered material damages to your motor car, you want that the liable party pay compensation you for losses.





Welcome to RAMLA - Insurance Matters - South Africa (RSA)

If you do have any problem with a South African Motor Insurance, Broker or Claim Adjuster in attending your claim, just let us support you.

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

Car accident lawyers and professional claim managers . . .

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

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

Alternatively contact RAMLA - for a free first check of your particular issue, if you are struggling to be compensated fair and full, preferred by email to

   accident@ramla.co.za


Should you like knowing how RAMLA works for you and/or what you should provide us with, for a free first analyses check out:

   RAMLA contact Info


Car accident lawyers and professional claim managers . . .

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

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


 
                        

RAMLA offers:

Free initial claim - dispute evaluation and advise in regard to a motor insurance issue


car accident in South Africa



Free case analysis

RAMLA offers a first free analyse into the details of a particular motor car accident, in order advising what will be your position, your aspects and the recommended way forward.

After checking the brief information - we like you to supply us with via email,- in order to determine the situation, especially the question of causation, liability and subsequent responsibility for compensation under South African traffic legislation and circumstances.



In cases of a motor insurance disputes, we look onto the merits and the reasons leading to the dispute, in order to advise.

What is needed to do so and best submitted via email to ramla@ramla.co.za will be:



1. Brief information what had happened, the road situation, arguments others may utilise, your position/point of view of the matter, you look for initial advice.

2. A reference to damages and values are appreciated or one or two pictures of the damage may be submitted, so we can check about the rough damage value.

3. Probably a sketch of the scene of the accident, showing all the vehicles involved in positions - before - at impact - after impact (still stand) and further display important road marks, traffic signs, robots etc.

Kindly make sure you give us your initial briefing in your own words and don't just forward a full set of dispute information to be scrutinised, as this isn't part of the free advice offer.

Please further make sure your attaches do have a reasonable size, especially pictures, as some devices today take exorbitant and absolutely unnecessary high resolution pitures.



Contact RAMLA by following this email link   Contact      and secure a swift and free first advice, returned to you by email.



Should you want to know before you contact? Follow this link to   more info.

car accident in South Africa

      
 








The market value of a motor car or vehicle is certainly the price, a willing seller and buyer agrees upon and in the range of other similar trade offers, for the sale of a motor car with comparable specifications.

Unfortunately the standard methods utilised finding a "market value" is not definite and many different ways seen in calculations, to arrive at a market value.

The two different implications are, claiming from own insurance policy (comprehensive cover), or the claim is made against a so called 3rd party, the party identified causing the accident.

In a comprehensive cover claim, all the terms and conditions of the contract needs to be taken in consideration, whereby in a third party claim only the law applies.




car accident in South Africa



Dealing with matters as "write off" total damage or loss, salvage or scrap value should automatically get you in high alert and needs full attention to avoid losses. All this can easily work out to your detrimental.

When it comes to deal with motor insurance companies to be compensated for a total loss or even called a "write off" or a total loss, not worth to repair or beyond repair lots of factors may lead to disputes with an insurance company in South Africa (SA).

Most commonly the insurance claim department base the settlement offer on a party friendly vehicle assessment, and then starting to reduce the compensation to be paid for adequate replacement.

First thing to look on must be the market value of the motor car, before impact. Had it been correctly reflected? Therefore all special equipment and mileage condition etc. of the car must be scrutinised.

It must be looked on the way the insurance claim adjuster calculated the settlement offer. Another crucial matter is always the salvage, the value of the scrap. If the insurance tend to leave the salvage to your disposal, they will deduct such salvage value from your compensation and you need to find a potential buyer for the scrap, which is not always easy.

RAMLA - Road Accident Management & Legal Action - have the knowledge and experience to analyse and probably repudiate a wrong based settlement offer.

Reasons for differences can be, that your actual market value of the car is different - lower or higher - than what your insurance or its damage assessment states. If ie the real value of your motor car before the accident had been higher as found by the insurance it might well be you can get your car repaired.

It is important that to know that the South African law say, you can only be compensated for the real value of your motor car damage. This means if the value is incorrect you will maximal be compensated to this - wrong - amount. Easy to see that this is a point lot of insurance companies follow only too often.

The effect may be you get less as what you are entitled to be paid for your traffic accident compensation.

Another way to disagree may be the value of the salvage. It is frequently observed that the insurance company quickly give the vehicle classified as scrap to a salvage dealer. As we all know a motor car salvage dealer does work for profit. So the salvage value, which will be deducted from any compensation payment, may even be wrong.

When it comes to replace your damaged motor car you must pay what the marked ask you to pay and not what you got as compensation.

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

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


What means salvage and what must be looked on in order to find a fair value for the scrap.

Salvage is the value in money the scrap of a damaged motor car is worth, if it is uneconomically to repair. Uneconomical to repair the auto damage means, if the assessed repair cost for the vehicle exceeds the market value.

South African insurance companies tend to "write off" a damaged motor car just too often, in an attempt to lower the compensation payment.

Even much too often the scrap is offered the victim of motor car damage to dispose it on its own. This does not mean any less as the insurance company deduct the full amount set as value for the scrap from your compensation payment and you need to find someone to trade in the scrap for at least just this amount.

If the insurance company valued the scrap too high, you might find that the salvage dealer or even others interested buying the wrack of your car, will offer you less and you make losses.

Lucky you when the car accident damage is repaired

Not mentioned that there is always some hassle and engagement needed to get the scrap of the motor car sold.

Therefore it is only advisable to retain the damaged car if you want to keep it and you see a way to get it repaired for less as the damage assessment indicates or to sell it to better conditions.

But in terms of a cheap repair one must always keep in mind that the car must be roadworthy after any such repair, not to go further risks.

Lucky you when the car accident damage is repaired

If it comes to a situation you have to deal with a write off a total loss or totalled car damages, you should not hesitate to get support to minimise the risk of losses.

RAMLA - Road Accident Management and Legal Action can be to your side if you have to deal with a total loss in South Africa, may be much cheaper as you expect.

Motor car accident disputes with the insurance companies, regarding a compensation claim, directed to SA motor insurance company, are common in South Africa. Lots and lots of claim disputes arise on a daily basis and only a part of those insurance claim disputes are referred to the RSA ombudsman for short term insurance.

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

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

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

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

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

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

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

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

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

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

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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.


car accident in South Africa
Facing challenges with motor car accident issues in South Africa?

RAMLA will be the solution,

demanding compensation, resolving disputes, defending against inflated or unreasonable claims,

in all sectors of vehicle accident damage compensation problems.

car accident in South Africa


car accident in South Africa



Motor vehicle accidents happens every day on public roads, often causing damages to property

Utilise the affordable professional solutions RAMLA offers clients in South Africa, to solve such repercussions.

 car accident in South Africa

car accident in South Africa

   Your specialised legal expert to sort out MVA matters

                  Professional - competent - swift - decisive and affordable




Road Accident Management & Legal Action
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The first stop solution for any MVA problem




Market value - Trade and Retail Value - "written off"

. . . are important factors in a claim for motor car accident damage compensation in South Africa



If you want support to be compensated for your car accident damage RAMLA can be your one stop solution.
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 tuff to be compensated fair and full.

The problems with most of South African motor insurance companies, come to a peak, if it's considered the car accident damages will economically not be worth to repair. The auto wrack, subsequently classify as a write off, beyond repair or a total loss - totalled. This kicks in, when an assessment consider the repair cost higher than the actual market value of the damaged vehicle, to the time just before the accident happened (pre-collision value).

Now the differences between your expectations in damage compensation and those of the liable party, or the insurance company for the liable, may differ and even significantly.



Salvage in a car accident           Salvage in a car accident


All 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 find yourself in big trouble.



RAMLA - car accident damage claim service South Africa


Traffic accidents causing car damages happen every day on our roads, in South Africa. The challenges to get compensation for destruction to a vehicle or motor car are different, as to the circumstances and situation.

A short breakdown of the headlines on this page will be found by just scrolling down a bit. Those information's given are of a general nature and it may not always explain or suggest a perfect solution for a particular matter.

This is why RAMLA - Road Accident Management & Legal Action - offers a first free analyse and response to persons, faced with motor car accident compensation issues.

RAMLA is a specialised Expert in all MVA - Motor Vehicle Accident - matters and our work is focused just on solution to get compensation paid, Insurance disputes solved or taking defensive measures against unrealistic or inflated claims.

We may well be one of the most experienced experts in MVA compensation matters in South Africa. Anyone having a problem within the spectrum is welcome to contact us.

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

                  Professional - competent - swift - decisive and affordable








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Claiming damages to pay for a write off from whom?

Market value the price a motor car will truly be traded for!

Trade & Retail Value a price suggestion for selling or buying

Value "written off", market value is less than repair costs

Challenge purchasing another car to similar condition

Salvage - amount of money the scrap vehicle is worth




Headlines and Issues on this page




Differences, advantages and disadvantages, claiming for a total loss from the liable party or 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 the 3rd party, liable for the motor car accident, 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 have consequences to pay outs.

The imagination the insurance will compensate for traffic accident damage in full, just as expected and as the customer are in believe to be insured all around for, must not 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 deciding which way to claim for the pay of a write off, if comprehensively insured and not the cause of the traffic accident, leaving the chance to claim from the liable party directly, more than just one aspect needs to be looked on.

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.

Most South African motor insurers act on behalf on the insured client, makes it on one hand easy for an insured to lean back and let them do, but on the other hand have to accept any shortfall, if they apply according to the policy.



Salvage in a car accident           Salvage in a car accident


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 contribution to the cause of the accident, to the state the person has been in pre collision, as either to repair the motor vehicle accordingly or pay the market value, minus salvage, or better subrogate 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, 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.



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                Contact RAMLA . . .   for your free initial case analyse   Now                 Know more about the free first case analyses before contacting RAMLA?






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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. *

 
car accident in South Africa

RAMLA can be the solution in MVA matters

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

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As you probably have recognised on our comprehensive web information platform, we do know what we are taking about.

We do invite anyone in South Africa, facing an MVA (motor vehicle accident) problem, to contact us for a first - free - analyse of your particular matter and get initial advice how to proceed.

As a specialist in traffic accident recovery actions, we act for clients/members in the relevant manner, but based on a paid mandate or membership, if a need of practical support arises.

We do offer a free first advice, to determinate your case and give you a direction how and what may be the way forward, in order to build confidence with a potential client.

As professional specialists, in charge of acting in motor accident damage claims in South Africa, we offer a well performing, decisive and demanding claim pursuit, at affordable fees.


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

       motor car accident damage claim is complex             

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


It's so easy contacting us by email.

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

- free of charge.

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

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

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

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

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


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

in South Africa.

RAMLA can be the solution to sort out MVA problems.

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

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

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

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


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

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


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


car accident in South Africa

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

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





If you want support to be compensated for your car accident damage RAMLA can be your one stop solution.

Please contact RAMLA by e-mail contact.ramla for a free initial analyse of your case


Salvage in a car accident           Salvage in a car accident


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.

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.

As a motor car loses value on a day to day basis, once on the road, this influence must be factored in, determining the market value of a vehicle, once applying value schemes.

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.

car accident in South Africa RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable.    Contact RAMLA for your support to have a damage claim paid or defenced.      Contact     


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 scheme, determining the market value for its use. 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.



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Salvage in a car accident           Salvage in a car accident




Trade and Retail value are part of some insurance calulations to find the market value

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 however arrived on, definite as above, will most probably be the amount a South African motor insurance company will base a settlement offer on. Once such settlement offer will be received, a cross check to the real business or vehicle trade should be made, finding out, if the value offered will come close to the real market price.

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 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 market value will be too low, it may well be a damaged car will not be repaired, despite economically viable.

RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable.    Contact RAMLA for your support to have a damage claim paid or defenced.      Contact      car accident in South Africa
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 it 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 per cent age of the market value, in the range of 30% of it.

Will it be difficult to determine market value on dealership schemes; it will even be more unrealistic to just take a per cent age 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.

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, if they will be to high for them to make a 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?


  Car accidents regularly comes with hassles   RAMLA carefully support you and claim professionally prepared to win your car accident damage claim for compensation.   Legal action will be taken immediately if the claim demands fall on deaf ears   RAMLA car accident claim management files your legal claim and interacts with local attorneys to your success



RAMLA is capable take complicated matters, such as a "write off" - totalled or beyond repair, case forward for its clients.






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.

Frequently seen, a victim of a car accident, after a subsequent vehicle damage assessment took place, will not even be informed of the findings, not mentioned that it may take some efforts to receive a copy of the damage assessment report, enable the claimant verifying the results. In doing some research, either about privately offered used cars, similar or comparable to the one damaged, or/and such sales offers from dealerships the market value in the assessment should be scrutiniesed. If there will be substantial differences to purchase offers and the determined market value, caution is at stake.

Properly listing some comparable offers, reflecting the major data of the vehicles, will be of support of argumentation for an amendment.

To find out about the true market value, it needs some initiative. If the values are mutual on dispute, the arguments to fight for full and fair car accident damage compensation, must be good and hardly rebuttable, to make the insurance company accepting or at least increase the compensation offer.

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.




Salvage in a car accident           Salvage in a car accident


What definite a vehicle can be called "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 it will be called a "write off", it might be tough to be compensated fair and full.

It must be mentioned, that there may be different assumptions, when a motor car is given the status of being "written off", or beyond repair, once you claim from a comprehensive motor insurance cover.

The terms of a insurance policy may have a significant impact, of when and to which conditions, a motor vehicle can be called a write off.

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 regard to a claim against own comprehensive insurance cover, all the terms and conditions apply and it can be the case, that motor insurance policies or t & c, definite when the insurer will be able to call a damage being a write off, just when reaching a certain, but definite percentage of the market value. A value often seen is, once the repair costs in a comprehensive claim are about 70% of the market value, car insurers apply its t & C and write of an insured vehicle already.

The consequence will be, no repair will be authorised and instead paid out what the value has been determined by the assessment, minus salvage - the value of the wrackage, if left the disposal of it to the insured.

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.



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RAMLA - Road Accident Management & Legal Action



car accident in South Africa

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

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

Contact us NOW

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


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 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, or request the other party to supply you with such comparable and suitable motor vehicle, instead pay-out of compensation.

In South Africa it will not be common, a victim will request such replacement of a damaged vehicle by a comparable, instead of pay-out, despit this may be a very comfortable and fair way of compensating the other party.

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.



 
When you need support to claim professional and very economically RAMLA may be the best choice

RAMLA (Road accident management and Legal Action), is a specialist in material car accident management in South Africa.

click here to learn more about the offer


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, once a claimant is demanded to dispose it.

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.

car accident in South Africa RAMLA can help clients in all MVA matters to solve problems professionally, claims, disputes (3rd party / comprehensive Insurance cover), review of declines with the Ombudsman (OSTI) and defensive actions against unreasonable or inflated claims, professional - affordable.    Contact RAMLA for your support to have a damage claim paid or defenced.      Contact     
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, let 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, to what they 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 of it can only be achieved, before a settlement agreement is signed.



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Please find more information to select from below:

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
                                                






Nationwide RAMLA Claim Service
SMS your problem to RAMLA Cell

076 770 3179     or best send an
e-mail ramla@ramla.co.za





Aspects and options

RAMLA membership

RAMLA membership covers for,
     the benefits and services


Tasks and actions in pre-
      litigation periods


Specials membership for NEW
      members with existing case


RAMLA tariffs    Individual
     - Family - Business


RAMLA membership   Terms &
      Conditions


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



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

Car accident issues that matters most:





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

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

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

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

We work only on motor car accident matters.

Check us out, so you do know if we can uphold we say, free of charge.

Welcome to RAMLA

Road Accicent Management & Legal Action - South Africa








 

How going forward once there is a claim or dispute or other challenges?

Well, once someone checks a web site as this one RAMLA presents, there will be some sort of a problem.

Motor Vehicle Accident (MVA) issues are manifold and can be complex.

It may either be that there is no response from the liable party's Insurer or a repudiation, apportioning or any other decline, such as to violation of terms and conditions.

There are even cases, where a claim is directed to a 3rd party, deemed liable and demanded, but no engagement noticed.

Lot of issues coming up in MVA - car accident matters, may not be handled according to valid law, or wrongly interpreted.

There are many people in South Africa's motor insurance industry, without a legal background and act under instructions, don't care, nor perhaps not having the necessary skills, or just follow a strategy, to get rid of valid claims.

Such should not be accepted and the challenge taken head on, even if it comes with some engagement.

RAMLA as a specialised legal expert can solve such problems, just for a fraction in fees what you may miss out, if you don't have the right support.

In our view, it is not the correct way and get a legitimate claimant's demand, just been brushed away, isn't it?

Just take the time and contact, tell us about the matter and let us take care of it.





 

Defence against unreasonable or inflated claims?

RAMLA can help you most effectively to get a claim dropped or eased.

The results defending someone against whatever car accident compensation claim, can be very good, as often the evidence the Claimant do have is not sufficient to proof the claim, which is a pre-requisite for a successful action.

If it isn't as clear what the implications are and what evidence the other party/Insurance do have, chances are very good to stand through and get a claim successfully denied, even if a summons may have be served already.

The party alleges or accuses is forced to proof the claim and not the demanded party.

Many Insurance recovery claims fall short of such reliable evidence and therefore can be repudiated, even if it comes from attorneys or recovery agents.









 

However we do handle every substantial MVA claim,

against whatever party, Insurance, reluctant party or company successfully, given the merits of the issue are clear and stand a challenge.

Should the merits not be so favourable in the first place, we do all we can, improving such merits, to get the matter being a strong case.









 

Chances of success, if there is a strong case, and any other winning guarantees?

Those are questions we hear frequently, before a new client is prepared to accept some fees.

There cannot be any guarantee of success in legal matters, as the other party may have evidence matching or being better proof. If it comes to an action in a court of law, the presiding officer is the instance of weighting all brought forward in the action and decides.

However if sufficient evidence is at hand, chances are high to predict a win and succeeding with a matter, which ends up in an acceptable settlement/judgement.









 

You want to visit a local RAMLA office in your area and have a chat with one of our experts?

We are very sorry telling you, that we have chosen a different way of performing our business.

In order to hold overhead costs low, and not compromise on expertise and service, we have decided to act from one central, but not public office, in the Western Cape.

In order to hold fees low and offer very competitive rates, compared with similar legal services, we decided to concentrate intelligence and contain costs in this manner.

Anyone who likes to visit his/her adviser or attorney, should not choose RAMLA as a favourite, as we cannot or want honour just that.

But we can deliver the way we operate effectively, wherever you are in South Africa and with whom ever we have to deal, effectively, decisive and affordable.









 

What about fees, must they be paid upfront or can it be deducted from recoveries?

Let me answer the question in short.

Yes, all fees need to be paid up before we take action.

Why is that so?

Our fees are as competitive low, that we cannot enforce any such fees economically, if someone just take our services and thereafter give us hassles to pay.

Any local attorney will do the same, as asking for a deposit, commonly far higher than our entire fees are, upfront.

In general those deposits are offset against fee notes and further deposits requested in due course.

We dont do that. We deliver services not billed on time issues, but on performance phases, which gives cost certainty and the assurance to be taken care of the full matter.

Contact us to get more detailed information.









 

Any doubts about our capabilities or performance as this offer is an anonymous one on the web?

Well I must accept such doubts and can only point out and rely on the many we served before and who may be contactable for reference.

Check out what we display on our comprehensive web pages, which will back up our knowledge and experience without a doubt.

Anyhow we will never accept a mandate before we have had a first free analyse of your particular matter and if you aren't satisfied with our reply, simply don't go on with us, despite it may be detrimental to you.

We value a fair and open informative strategy, keeping a client updated, which will please most of those with an open mind to comunication technologies, such as email etc.

But we can only do what we offer and if you aren't happy with such offer, just get into contact with your local lawyer, or ask us to refer you to someone with specialised knowledge in MVA matters.









 

Should you have been through all before . . .

and still think we can be the one to solve your motor vehicle accident compensation problem in South Africa, just get in contact with us.

You're welcome to be served perfectly.

Kind Regards Your RAMLA team













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







 
In order navigating the comprehensive RAMLA information platform, check out the keyword or FAQ section to find what you are looking for or just send us and email to tell us the problem you face





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  Preparation is key:
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Involved in a car accident in South Africa and like to know what to do?

When it comes to a legal action in a court of law, the details are important.

RAMLA do know what is of importance and guide matters to success.












RAMLA Expert Partnership


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

Legal profession

Panel beater or auto
     body repair workshops


Independent vehicle
     damage assessors


enhancing mutual business at no cost to either side.

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




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




































Towing industry . . .
     partner with RAMLA?


When towing any vehicle to safety, after a traffic accident, it will be the ideal time/opportunity to promote RAMLA highly experienced and economical outstanding claim service, to enable the party suffered damages to claim or defend for material motor car accident compensation, and take part in the RAMLA rewards program.

 

Towing and or storage of a damaged car on a yard can come with bad surprise

Can a party in need of towing trust all companies, if matters coming towing the car to be stored in a yard with costs?

There is a good portion of suspicious thinking necessary.

A serious warning is therefore adequate.

Don't trust any promises of a hassle free pursuit. Make sure you do know about costs and risks.

Many have lost the salvage value of the car stored, just set off against towing and storage costs, as they did trust and not be as sceptically as needed.

We don't think to trust towing guys anymore, as we haven't made any fair connections yet.

On the contrary we need warning parties involved in car accidents, to not trust any of those promising rescue offers to give you a hassle free support.

Do not trust any promises as the other parties insurance company will take care of costs, as that is a total different matter and will only be true, if and in time the Insurer will accept claims, which isn't the regular occurrence.

Some of those towing companies, store your damaged vehicle on an open yard, not insured or safeguarded and despite charge storage fees in the range of International Airport parking rates, being of R 300 a day and more.

They do refuse to release the car, unless all is paid, which is illegal.

Such may end up paying for overcharged towing and storage what the wreck may be worth and they may suggest just leave the wreck for the open account.

Don't fall to such illegal and unethical behaviour.




 

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 get through against sometimes very strange arguments or decisions.




 

Ombudsman for short term Insurance



The Ombudsman for short term insurance disputes (OSTI) reviews matters that emanates from policy differences or disputes.

However it must not always be expected that OSTI is in favour of Insurance clients to protect their rights.

Very often they just look on one-sided information, even without verification, if a client in need for help doesn't know how to repudiate false or weak allegations, 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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Use of information whatsoever will be entirely on own risk. No claims for loss or damage arising from reliance of the information supplied will be entertained.

    Copyright: No copy in whichever way is permitted, without written confirmation by the author. No use of information is permitted for commercial purposes. The copyright includes reproduction and adaptation of any content and is expressively
reserved to the publisher RAMLA - Road Accident Management & Legal Action under section 12 (7) of the copyright act of 1978 - South Africa     All rights reserved.

Conditions: for free first claim analyses: RAMLA offers first free analyses of your motor accident case, in order to enhance your confidence. Therefore some data and material will be needed to submit to RAMLA for an individual reply. Under
such circumstances, RAMLA will have the free copyright to publish case information and of photographs on our web pages, designed to inform others about real instances, without exposing your private data.


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