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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
no entry
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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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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.
Processing and initiation in a 3rd Party claim
We do have the expertise and know how to act for you.
Experience exceptional service, testified by clients, even after hours or weekends, giving you a peace of mind your case is taken care off, no matter what.
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Your specialised legal expert to sort out MVA matters
Professional - competent - swift - decisive and affordable
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Accident Management & Legal Action
First stop solution for a MVA problem
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3rd party claim procedure against an insured motorist caused car accident damage.
Achieving a fair and reasonable compensation for auto accident destruction as stated in South Africa law, what will be the task.
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Processing and initiation of a Third Party motor insurance compensation claim in South Africa
In order achieving a fair and reasonable compensation for auto accident damage, some process and measures are to be followed and applied in South Africa, and sometimes its combating Insurance Companies' procedures to deal with your motor car accident compensation claim.
Sometimes it is better to invest some time and effort to the beginning, as its the right time to do, not delaying any process for the Insurer to process the matter, your attention is needed.
If you approach a South African motor Insurance company to launch a 3rd party claim, some will be more specific in detail telling you what they want and what content should be available, as others. You may receive a detailed instruction how it would be appreciated to receive documentation and even some companies supply you with some general text about the way the claim may be handled.
However, it will be a pre-requisite for any 3rd party claim, that the insured will have reported an accident and potential claim, to his/her Insurer. Without such claim reported and given a case reference, no attempt to contact the Insurance to hear what is about the claim, will be successful.
Given the claim had been reported and you contact them with the claim references, - you may have received from the other insured party, you like to claim from, it may go ahead now.
That can start as the Insurer will lay out how they will proceed, once all been received to satisfaction. The Insurer may even tell an applicant, that the 3rd party claim will be processed not on contractual basis, but rather to the law of delict, indeed applicable for motor accident compensation actions.
Some perhaps threatening information will be given, such as the claim can even be declined or Apportionment will be applied and all the terrible news reported in precedent cases that may take motivation or curb hope of an amicable claim may be contained in such information.
Our advice to the above will be, don't be impressed. You do have rights and can claim them. But what will still be true, the Insurance people deal with such claims every day and do have often good experience often utilised to give a Claimant rather a hard time then an amicable and fair compensation.
If you feel the process do not o to expectations, get advice or better representation from professionals, evenly deal with car accident matters, on a day to day basis, such as RAMLA.
What should an application for a 3rd party claim, directed to an Insurance company, contain?
a.
Identification of the car driver to time of accident, Copy of the Drivers Licence the person who had driven the vehicle to impact
b.
Identification of the vehicle owner and important to be accompanied by a copy of the Vehicle Registration Document - not the Licence - which is marked as RC1 -on the top right side of the Document.
c.
Any damage assessments/repair quotations
d.
Location the vehicle is currently stored/assessable
e.
All pictures of the damages of your and if available of the other car/s and particularly those from the scene of impact - CCTV if available.
f.
Witness Statements if applicable and available
g.
Copy of the Police Accident Report - AR -
h.
Own wording of how the accident unfolded and indication of relevant information - even or particularly if divergent from the Police Accident Reports content. Give some information of road and weather conditions, visibility and obstacles if applicable.
i.
Sketch of the way the accident unfolded, show all participating/involved vehicles in position before - at and after impact/still stand and relevant road signs and/or marks including skid marks, if applicable. Indication of positions of witnesses and/or CCTV installations. All be clearly be marked and identified in a separately placed legend on same page of the sketch.
j.
Non insurance Affidavit or declaration of no claim submission if no claim is made against own comprehensive cover is made.
Your specialised expert to sort out MVA matters
Professional - competent - swift - decisive and affordable
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Headlines and Issues on this page
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Before a 3rd party insurance claim be entertained, the liable insured must report the vehicle accident to the Insurer.
In order to get a 3rd party insurance compensation action initiated, the insured motorist must first report the accident to the Insurer and get case references and contacts, needed to pursue the claim.
Without an insured party not reporting a claim to its Insurer, no claim can be made against an even existing third party motor insurance cover.
Should the insured do not report a claim, the action is needed to be addressed and regarded as a claim without motor indemnification cover and the action been taken up with the insured in person.
Given a traffic accident is reported to an Insurer and a valid 3rd party cover is in place, the insured deemed liable party, should provide the Claimant with the case references and contacts, enabling the Claimant addressing the issues with the Insurer.
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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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In possession of claim references and contacts, the Claimant will need to contact the Insurer and state his/her interest, if not approached by any Insurance claim handler, upfront.
Most of South African motor insurance Companies require a Claimant to supply certain documents and explain the accident as to provide proof and listing of damages.
Some supply a Claimant with a long form to compile and accept certain limitation, not always in line with South African Law.
Form and requirements may differ but most will request at least:
Personal details and contacts of the legitimate Claimant
Drivers Licence of the driver in charge to the time of impact
Vehicle Registration document - RC1 - not a copy of the licence renewal document.
Damage calculation and pictures of the damages to certain specification
A description on how all unfolded and a sketch thereto
Witness details and perhaps statements accomplished with contacts.
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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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South Africa's Insurance companies often try to minimise or avoid compensation payment for the car accident damage (partly or fully) to the detrimental of the victim of a car crash, in 3rd party claims or even to its comprehensive covered insurance customer, suffered damages to property in a traffic collision.
This will especially apply, if a comprehensive insured will internally be qualified as "bad risk". Lot of motor insurance companies will deny a claim more easily in such circumstances as they probably would do in a case the insured is categorised as "good risk".
Strategies or behaviour seen sometimes, that can lead to problems, delays or other inconveniences leading to headache, can comprise of keeping very quiet and not to move unless under immense pressure, not accepting liability on behalf of the insured for the car accident at all, accepting only a portion of the motor car accident damage claim, downscaling of the material damage through vehicle damage assessment or even blaming the other party as being liable or at least partly liable for the cause of the car crash at all or blaming the incurred of a breach of terms.
Insurance Site Map - A comprehensive overview of relevant Insurance Issues
Traffic accidents causing car damages happen every day on our roads, in South Africa. The challenges to get compensation for destruction to a vehicle or motor car 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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Headlines and Issues on this
page
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The insurance company act on behalf of the insured to process the claim
In all regularity you need to deal with the insurance company and the admin in a compensation claim, where the other party is accused being the wrongdoer and to be liable for the motor car accident, will be insured.
Not to get in any form of prejustice, it is
important to know that most motor insurance companies
do not allow the insured party to accept
any liability, for the cause of a motor collision.
If the insured and deemed liable motorist is fair and does admit
being on fault, right at the scene of accident, the insured is at
risk losing insurance protection, as to the terms and
conditions.
So the insured may lose his/her vehicle insurance cover, if they
acknowledging liability.
The insurance company most often take over the reign now on
behalf of the insured legitimate driver or car owner and you may
have to deal with them.
An insurance claim negotiator certainly
does have a lot off experience how to handle a claim and
most importantly how to do that in favour of the insurance
company. A layman or motorist, just been
snarled up in a road collision, often does not have the
experience to get along with them.
Many different factors, issues or arguments can effectively give
problems, to get the insurance claim approval. Any compensation
claim will be unique and the actions or reactions needed to have
the matter approved can entail a variety of issues and dealing
must always be individually and depended on the matter.
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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Minimum compensation pay-out is a certain need for insurance companies and must be recognize a legitimate attempt
A legitimate attempt however must not necessarily be
successful. How one is coming along with the motor insurance can
have a lot of factors. In cases of dispute, the claimant is
always in the weaker position as he/she has a damaged motor car
to fix, but the insurance does not.
Going forward and motivate the insurance claim administrator, to
go on and approve a damage claim, can be a challenge, as time is
on the side on the insurance side.
Putting forward a reasonable and fair claim will even need some
permanently pressure onto the insurance people. But more
importantly one must put facts forward, which cannot easily be
rebutted, is the task of the day.
The victim of the motor accident is
required to deliver certain documents, before they even
decide to entertain the claim. Such documents should identify the
claimant and the car owner, your general claim and some other
documents for instance a copy of your driving licence and the
vehicle registration paper. They probably inform you in detail of
what they do require, in your specific case.
The claim negotiator will look critical on your documents in
order to find agruments to decline or downscale the case and it's
important you do your homework, before submission. Alternations
later on can be seen as that you are in conflict with your own
arguments or facts.
What follows in cases with more serious damages, most often
a vehicle damage assessment will be
envisaged to calculate or assess the damages. The result
of the examination will be served to the insurance in the form of
an assessment report, drawn up by the appointed assessor.
Right here other problems may occur,
far before anything to the cause of accident itself had been
exchanged. This problems will be in the nature and content of the
damage calculation and findings of the assessor in charge.
Further problems can arise when it comes to verify the arguments
of the cause and the determination who is the one at fault,
acting negligent to provoke the collision. Arguments of liability are certainly a tool to reduce
the part of responsibility and consequently diminish the
pay-out.
Lot of shortfalls resulting out of the time factor, the insurance
company has on its side and technically apply attempts for more
delays are a well-known procedure to weaken the nerves of a
claimant.
A claim put forward to the insurance company will mostly not be a
quick and amicable matter, so prepare investing quite a time to
sort out thinks. If you expect that the insurance company will
correspond to time lines set out for them to comply, more often
than not you will be disappointed, they don't.
They are in a better position, as you want something to achieve
and they actually are not keen to pay out more as the minimum
they do need. It's legal, but not amicable and fair.
Any force to respond in time, will only apply if the matter will
be in a court of law. All must now comply and act according to
court rules and orders and all participants must apply and abide
those time thresholds, not risking a default judgement.
Getting fair compensation a claim needs to be assessed in good faith and wit knowledge by the Insurance admin
Often in privately handled cases, in dealing with the
insurance claim negotiator, they just cooperate too little with
the claimant.
An example of how much ignorance one may face when dealing with
the motor insurance companies or its brokers RAMLA likes to
highlight this case:
A South African motorist, who approached RAMLA for advice, was
fortunate to find, that his particular
accident had been monitored and recorded by a fixed
camera. Further lucky he made it possible to receive a
copy of the accident tape, showing the impact in real time and
documenting the complete accident.
This is hard evidence and left little space
to rebut facts and proof beyond doubt that the liable
person did not stop at an intersection, clearly marked with a
stop sign and further proofs that the claimant took all evasive
action he could. The matter of negligence has been undoubtedly
detected as being the insured motorist.
He sends a copy of the video clip to the insurance company, just
to hear that the first sending was not received by them. After
posting another copy documenting the traffic accident, the
insurance employee argued they cannot technically open the
file.
The copy RAMLA received open up in seconds.
After lots of in and out and exchange of damage repair quotations
and whatever had been asked to be supplied, the insurance
eventually came up with a settlement offer.
The received settlement offer was to a lower amount than just the
lowest vehicle damage repair quotation supplied and to the
evidence the insured must be regared as 100% liable. Being
desperately, disappointed and exhausted form the process, the
claimant who handled the claim on its own, decided to accept the
shortfall to avoid further delays and inconvenience.
 
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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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Unsatisfying outcomes of compensation claim, should be challenged and disputed
Once a motor accident compensation claim is reported, documented and pursuit and the Insurers, or Party's decision isn't acceptable, the matter should be disputed.
After having carefully analysed a case decision, decline or even acceptance and offer to pay compensation, the analysis may find mistakes, incorrectness or even blatant failures.
Only verified claim results are a good basis to decide on as to accept or not. No one needs to accept any decline or shortfall in offer of any party suggesting a settlement solution. Any offer will be an offer only and do not have any binding effect, unless mutually agreed.
A binding decision without mutual acceptance, only a Court of Law can decide, after a legal action come to an end.
A dispute can still to be launched with any party, about an unsatisfactory decision, by putting forward the reasons for a dispute.
Some South African motor insurance companies do have special dispute resolution departments, which may review a disputed claim outcome.
It may not always be easy for a person, claiming for damages caused by a traffic collision, to challenge a decision as easy as a declined or short falling offer is made by someone in chare to handle such cases as a day to day job.
Taking professional support may trigger some costs, but can save the entire claim, as failing a case is regularly a much greater risk or loss.
So our advice is not to trust on own luck, but rather utilise the support you do need in time. Don't wait it out and hope your arguments be heard, but rather act and appoint professionals like us - RAMLA, to handle your case amicable but affordable.
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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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