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

We are car accident damage compensation recovery specialists

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

    Insurance       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?

Insurance Damage assessment dispute

RAMLA - car accident damage claim service South Africa
You may contact RAMLA at all times, free of charge for advice, even at late hours or on weekends as well as public holidays.

Via email you are welcome 7/24 and receive a response in reasonable short period of time. Phone calls are less effective, but can be utilised, during business times.

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.

Our highly skilled and experienced team of experts work decisive, swift and economically affordable, to solve car accident issues.

Any Questions?

Contact us now by email and check out, if and what, we can do for you.

Our free initial case analyse offer is available for you NOW, free of any charge or obligation.

This free offer is worth almost as much as the costs for briefing your local Attorney where he/she takes your case instructions and will bill most commonly R 1500.00 or more.

So don't hesitate as it's easy, comfortable and will be answered knowledgeable in short time.

No appointment, no office visit and no costs.

      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.

car accident in South Africa

Free case analyse and initial advise!

Dear valued reader, checking out the RAMLA car accident compensation platform; obviously you do have some traffic accident damage issues to solve.

Contact RAMLA via email now          Check this before you contact RAMLA for more information about          a free check of your particular case issue and advice.



Insurance Damage assessment dispute

Don't be fooled - badly treated - and do not accept unfair Settlement offers - from any South African Motor Insurance.

             If anything doesn't go to plan, get professional support.             RAMLA may just be the right service

Motor Insurance cover gives an insured some protection against the risk of car accident collisions in public traffic for compensation of damages caused in traffic accidents. But by far not all claims will go through smoothly. Be aware of a variety of possible obstacles.

Obviously there are differences as how South African Motor Insurer handles compensation claims. There are comprehensive insurance cover policies and 3rd party cover contracts. The comprehensive cover safeguard both - damages to own property, such as the insured vehicle and the 3rd party damages - as third party cover only indemnifies the insured against claims made from other parties for compensation of destruction out of vehicle accidents, they are deemed to be liable for.

While the outmost important task for a comprehensive insured motorist is to maintain and adhere to all obligations concluded with the policy contract, not risking problems if it comes to claim for damages, 3rd party claims are more vulnerable to deep scrutinising of circumstances and subject to defensive actions or short falling settlement offers.         Don't compromise without good reason!

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.

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

Car accident issues that matters most:

Keywords Section - A

Accident Compensation

Acceptance and Liability - offering paying Excess

Accident documentation

Accident Reconstruction

Accident Sketch

Admission of Liability

Affidavit confirming repairs - Cost - Quantum

Affordable claim service -
enforce compensation

Alcohol and Intoxication -
Facts required to be proven

Allert - Warning signs during claim evaluation

Analyse of a car accident -
in terms of liability

Appeal a claim decision

Appointing an independent vehicle damage assessor

Apportioning of Damages Act

Apportionment of Damages - Liability

Assessing - Appraising -
vehicles accident damages

Attorney's services & fees

Audatex -
Car value listing systems

Auto accident -
compensation action

Auto Dealers Value Scheme

Full Keyword List

Keywords Section - B

Balance of probabilities - measure to proof a claim

Bank Statements required scrutinising

Beacon check- cell phone reports

Beyond repair - total loss or write off

Blood test to prove intoxication

Bodily Injuries and RAF claims

Breach of motor Insurance terms

Breach of traffic legislation

Breathalyser tests proving intoxication

Broken promises to settle damages

Bumper bashing - minor damages

Full Keyword List

Keywords Section - C

Causation in a car accident

Calculating, assessing or appraising damages

Cancellation of the motor insurance policy

Car accidents and its consequences

Car Hire after an accident

Car owner's possible liability for conduct of a driver

Case analyse offer - RAMLA advice

Case Law - Precedent

Causation of an accident - liability for the impact

CCTV footage of the accident

Cell phone records / telecom beacon reports

Certification of the repair value / Quantum

Change of argumentation from accepting to accusing liability

Circumstances of an accident

Civil compensation action for damage to law of delict

Claim against insured 3rd party

Claim Decline/ denial / repudiation / refutation

Claim Decline based on alleged breach of the rules of the road

Claim Decline based on violation of terms and conditions

Claim Defence Actions

Claim Disputes - Inflated or unreasonable claims

Claim Disputes about recovery actions an Insurer launches against 3rd party

Claim Investigator

Claiming compensation from 3rd parties

Claiming damage compensation from uninsured motorist

Claiming from an employed driver with a company vehicle

Collision of facts in claim actions

Commissioner of Oath

Compensation for car accident damage

Comprehensive cover - Claim rejected

Comprehensive Insurance claim

Comprehensive insurance cover

Comprehensive cover - Claim rejected

Concluding a new motor insurance contract

Conflicting Statements leading to claim decline

Consequential Damage

Cooperation of other parties involved in car accidents

Contributable causation - Apportionment

Culpa / Culpability

Full Keyword List

Keywords Section - D

Damage assessment driven by Insurance order

Damage Assessment - Independent

Damage to Property - what can be claimed

Damage value/Quantum - serious damages

Dealing with Motor Insurance Companies

Declined Insurance claim

Defence against a recovery claim

Delictual accountability - Law of Delict

Depreciation of car value

Dishonesty can be a reason for a claim decline

Dismissed or denied 3rd party claims

Disposal of salvage or the car wreck

Dispute of facts

Dispute Resolution with Insurance Company

Dispute with Insurance - internal resolution or review with Ombudsman

Disputes in Insurance claims - Resolutions and Challenges

Disputes resolution by taking legal support

Documentary Evidence

Documents to submit (insurance) 3rd party claim

Drunk drivers causing accidents and the repercussions

Duration of a claim action

Duties or obligations in public traffic

Duty to mitigate in a claim to limit expenditure

Full Keyword List

Keywords Section - E

Economic aspects in a car accident claim

Elements of Liability

Emergency in traffic situations

Entertaining a claim by Insurer

Evidence, Facts, Merits

Examination of motor vehicle damage (properly)

Expert Examination / Assessment Expert Report

Expert Witness testimony

Eye Witness testimony

Full Keyword List

Keywords Section - F

Factual Evidence in a compensation action

Failure to pay the premiums up to date

False or incomplete information given when concluding contract

Failure to pay the first premium before a claim must be reported

False, late, incomplete or not submitted updates of essentials in the policy

Forensic investigations

Foreseeability of danger

Front and Rear Impact

First premium must be paid before take to the road

Full Keyword List

Keywords Section - G

Gross Negligence

Full Keyword List

Keywords Section - H

Hearsay - no valid testimony

Hidden damages not detected and not included in Assessments

How long will it take to be compensated

How to get a Police Accident Report and AR Number

Full Keyword List

Keywords Section - I

Inconsistent divergent party statements to what happened

Indemnification for the financial compensation

Independent Witness

Insurance excess deal

Inflated claims - damages fraudulently inflated

Insurance claims

Insurance claim declined/rejected

Insurance claim report obliagtions

Insurance claim report containing data

Insurance damage assessment

Insurance Investigations in car accident circumstances

Insurance measures to minimise pay out

Insure the vehicle and pay the first premium before take to the road

Intoxication - requirements for a Claim decline

Intoxication - Telephoning / Texting etc.

Intoxication while driving a vehicle on the road

Investigations by motor insurance companies to find out what happened

Investigations into the accident circumstances

Full Keyword List

Keywords Section - J

Jurisdiction of the Ombudsman (OSTI)

Jurisdiction of the Ombudsman (SAIA)

Full Keyword List

Keywords Section - K

Knock for Knock agreement between Insurers

Full Keyword List

Keywords Section - L

Late evening or night accidents

Lead or top up insurance cover

Liable Party

Full Keyword List

Keywords Section - M

Market Value of a motor vehicle

Material loss or damage

Maximum compensation for total loss

Merits and legal aspects of a compensation case

Motor car insurance, factors to look on before contract

Motor vehicle damage Assessment

Motor vehicle damage Assessor

Motor vehicle owner's liabilities

Full Keyword List

Keywords Section - N

National Traffic Act No 61 1996 at section 61

NATIS - National Traffic Information System

Negligence driving a motor car

Neuhaus v Bastion Insurance Company 1968 (1) SA 398 D AD - a case precedent

Nominated or regular driver in Insurance Policy

Not abiding to, or in breach with South African traffic regulation

Not insured against traffic accident damages

Not insured but need to claim from another

Not roadworthy vehicle in public traffic

Full Keyword List

Keywords Section - O

Offer to settle a compensation claim

Ombudsman's principles

Ombudsman's reviews

Ombudsman's contacts (OSTI)

Opinion evidence in a case

Full Keyword List

Keywords Section - P

Partly liability for causation - Apportionment

Passengers in a car as witness

Patrimonial losses - Damage

Police Accident Report

Police duty at the scene of accident

Policy cancelled alleged violated terms/conditions

Precedents in a compensation claim

Prescription of a material claim

Process of Ombudsman case review

Proof the Quantum/Value of a damage calculation

Full Keyword List

Keywords Section - Q

Qualifications of Assessors to evaluate damage

Quantum of the claim

Quotations calculating the repair damage

Full Keyword List

Keywords Section - R

Reasonable and necessary repair costs

Reasonable driver or person reasonable man test

Reasonable precaution while driving

Rebuttal of unreasonable or inflated claims

Recklessness driving

Recovery Claim - Insurance paid client - Recuperation Action

Recovery Agent acting for Insurance

Reconstruction of Accident facts

Rear and Front Impact

Regular driver nominated in an Insurance Policy

Relinquish Salvage to a party

Repair Quotations - damage calculation

Reporting an accident to Police

Retail value in calculations of market value

Retention of a stored vehicle on a scrap yard

Rights and Obligation in Traffic

Right of retention a vehicle - workshop or towing

Risks and Chances in a claim action - Basics to know

Risk profile of an insured motorist

Full Keyword List

Keywords Section - S

SASRIA - South African Insurance Association - Riot and Strike

SAIA - South African Insurance Association

Salvage - the value of the scraped car

SAMBRA - SA Motor Body Repair Association

SAPS - the duty of police on the scene

Satisfactory Settlement

Scene of a car accident - what is relevant to capture

Scrap value or Salvage - an important factor in write off calculations

Securing of evidence

Settlement agreement ending a compensation claim

Shortfall or insufficient compensation

Shortfall of compensation based on damage assessing

Shortfall emanating from Apportioning

Shortfall in regard of market value, pre collision value, salvage or policy terms

Shortfall in settlement offer - Apportionment / Causation

Sketch of an accident scene

Skid marks - in reconstructive expert reports

SMD - or scrap buying companies

Speculative testimonies

Speeding - issues in a claim decline

State of the vehicle before accident

Storage of a damaged vehicle on Tow yard

Strong case merits needs strong evidence

Subrogation in claim enforcements

Subsequent/consequential damages

Sudden emergency defence

Speed control unit

Surveillance cameras - video footage

Full Keyword List

Keywords Section - T

Telephoning - Texting while driving

Terms and conditions regarding an Insurance Policy

Test of a reasonable man or motorist would have acted

Third party insurance cover

Third party insurance claim

Time frames a claim may take until a settlement offer

Top Up or lead insurance policies

Total loss - car written off

Towing and Storage issues after accident

Tracking Device and Reports

Traffic Accident Reconstruction Expert

Trade value

Traffic Act 1996 sec 61

Traffic Circle - Roundabout

Tyre burst - immediate emergency

Types of disputes, declines or shortfalls in claims

Tyre conditions in an accident issue

Full Keyword List

Keywords Section - U

Unbiased and fair Investigation in circumstances of accidents

Uneconomically to repair car accident damage

Unfair claim decline

Unforeseeable danger in traffic

Unlawful driving - negligence or recklessness

Unlawful leaving the scene of the accident

Un-roadworthy motor vehicle driven in public traffic

Unsatisfactory settlement offer

Unsettled Motor Insurance claim

Full Keyword List

Keywords Section - V

Values in a compensation claim

Value of Salvage in terms of write off

Vehicle Damage Assessment

Vehicle not roadworthy vehicle in public traffic

Vehicle not economically to repair

Venter v Dicson 1965 (4) SA 22 (E)

Video footage CCTV

VIN - Vehicle Identification Number

Violation of Insurance terms and conditions

Violation of traffic regulations or duties

Full Keyword List

Keywords Section - W

Warning signs during claim evaluation

Weather conditions influence duty to drive

What to do just after the accident happened

When best claiming from own comprehensive cover or 3rd party

Witnesses Testimony in car accident issues

Written of - car status after destruction

Wrongdoer is liable for compensation

Wrongful conduct of a driver

Full Keyword List

Keywords Section - X Y Z

no entry

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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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, pursue or decide your claim, just let us support you.

Motor car accident disputes with Insurance Companies, regarding a compensation claim action, are common in South Africa.

A high number of car accident compensation claim disputes arise on a daily basis.

More often than not, it will need some understanding, expert knowledge and experience in handling a case, to have a successful outcome.

One should be aware, that when filing carefully all those applications an Insurer requested,

sometimes additional - perhaps misleading - claim information be given to impress or even confuse applicants, citing precedents or mention possible Apportionment.

Most Insurance companies contain such into the basic claim information provided, to launch a TP or Third party Claim.

A Claimant reading such information, should not be worried too much, as all or most may not apply to a particular case.

Launching a claim, will not mean one can expect a prompt or fair solution, right away.

Many obstacles can come along, of which one - the denial of what been put forward - is not accepted by the Insured who allegedly caused the accident and by doing so, just by denial and put forward a different cause of matters, known as conflict of facts a Claimant must argue and proof.

The Insurer will tell, the party claiming must proof.

Proof is the challenge and needs facts to support the claim and shouldn't be taken lightly.

It will be crucial to know what facts can support a claim.

Having one or more witness who testify and corroborate the issues, will be a huge benefit.

But often different to the Law, as a Judge hears a case, Insurance Agents may discredit potential witness and do not accept testimony, other as those been seen as independent eye witness come with credible statements, best in the form of an Affidavit.

A credible and accepted witness must stand by the testimony, even if interviewed, in order to find out if the statement must be discredited or accepted.

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

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, enforcing traffic collision damages.

We are specialised expert's in all respects to motor car accident damage compensation claims or defence actions.
RAMLA works in claiming damages, defending against unreasonable or inflated compensation claims, acting in Motor Insurance disputes, regarding car accident compensation matters, over a long period of years.

We attended thousands of requests for analysing, supporting and pursue material car accident claims, effective and economical.
Such excellent service can be to your service in South Africa, Nationwide.

Road Accident Management & Legal Action (RAMLA) can professionally represent clients, taking care of their interests, which can be the solution you may looking for.

You will find a lot of useful information on the RAMLA (Road Accident Management & Legal Action) web pages
Confronted with the need of defending against inflated claims, it isn't as challenging as perhaps thought and worth doing so.

Utilising the right knowledge and decisive defence action, most unreasonable demands can be solved or stopped entirely.

However proper defence against such unreasonable vehicle accident compensation claims or actions, will be crucial

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

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


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 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


It must be understood, that a motor car damage assessment performed in the instruction of a South African motor insurance company, can be a party friendly one to minimise the pay of the assessors client, the insurance company.

If you are involved in a car accident in South Africa and like to know what to do, please read more.

After a traffic accident or other vehicle damage, the insurance company will send a qualified assessor to determine the damages of your car. This assessor (also known as an adjuster) calculates the damage of your vehicle in monetary terms and this assessment is than compared with the actual value of the vehicle.

If such assessment will not be fair enough, it may well be you struggling to motivate a motor insurance company in South Africa, to pay out your claim for Car Accident damage compensation.

If you are involved in a car accident in South Africa and like to know what to do, please read more.

Below please find a practical example

Elvin wrote:

On the 11th March at approximately 6:45 I was stationery at the red Robot on East Rd & Stapleton Rd T Junction, Pinetown, Durban when I was suddenly slammed from behind, by a Chevrolet Utility Bakkie. My car was taken away by Auto collision and the next morning dropped off at Ross champion Panel beaters in Pinetown.

I contacted my Insurance the next morning and filed all my necessary paperwork with them. I have been calling every day, emailing everyday but nobody comes back to me. Then on the 17th March I sent this email to my insurance company.

Good morning Ruth. I went to Ross champion on Friday afternoon. I spoke with the Estimator Andrew ..... He advised me that the Assessor Andrew ...2... , had already been out to assess my vehicle and Andrew ...1... advised me that my vehicle will unfortunately be written off.

How did the assessor inspect my vehicle without me being present? Ruth I am writing to advise you that I will NOT accept this decision on the grounds that:

1. No assessor has called me to meet with him at the Panel Shop so that we could discuss the repairs on my vehicle going forward.

2. Ross champion have deliberately inflated their quote for otherwise reasons which I am very aware of. Assessors & Panel Shops work hand in hand for kickbacks.

3. I was innocently idling at the RED robot when I was hit from behind by X.Nazo who has admitted fault and is also willing to pay the excess & any other costs he might be liable for. All his insurance details provided to you.

4. My car is easily repairable and it will probably cost less than half of Ross Champion's quote by an honest panel shop. I preferred them because they are the best in the Market Place and I wanted my car restored to its original form.

5. My car is a BMW E46 Individual which is a collector's Item hence the reason for the panel shop to inflate their claim. Somebody there has ulterior motives for this vehicle.

6. I want my car repaired by a reputable panel shop (BMW APPROVED) and I want it looking exactly how it was before the accident. I WILL NOT accept my car being written off. I will accept good 2nd hand GENUINE parts used in the repair.

7. If Ross Champion still persist on standing by their quote, please arrange to move my vehicle to AUTO HAIL, 25 ...... , Email : info@......... or any other reputable (BMW APPROVED) panel shop.

I have no idea to date how much I am going paid out, but ASM (Salvage Company) is demanding R38 800 for a buyout option on my vehicle. I called them yesterday pleading for a lesser figure so that I can have enough to repair the vehicle.

I was then directed to speak to the "Boss" Esme ....., who advised me that she cannot go any lower because she can easily sell my car for R40k+.

I pleaded with her also and explained the sentimental value that this car has to me. It was a gift from my wife. She then settled for R35k.

She promised to come back to me by the close of business yesterday. I have not heard from her since. My concern is, this is MY car in question. How can they make decisions about my car without consulting with me at all?

They are also not willing to negotiate with me at all either. I don't want to lose this car. It is easily repairable. I do intend on getting it repaired myself.

Thank you Regards Elvin.

car accident damages in South Africa

In a number of cases, RAMLA observe difficulties arising from those assessments, which can lead to shortage of compensation in a settlement offer, but in a worst case it can even result in a rejection of the entire claim or to denial of liability, may be caused on disagreement of facts or damage value, so your claim will be precluded, dismissed or repudiated.

It will be your challenge now, to enter into dispute with the insurance company, either as a 3rd party claim or a claim based on your own comprehensive motor insurance cover.

If you are not lucky to solve the matter during dispute resolution to a level you can accept an agreement, further action can be the only way.

The way to go forward can be different, as if you claim from your comprehensive cover you do have the option to engage the ombudsman, before you need to decide to go to court, if even this review will not end to your satisfaction.

In a 3rd party claim that end that end up with no amicable and suitable settlement, achieved in the dispute resolution phase, the two ways forward can be either to accept the bad settlement or to go directly to court.

Unfortunately and too often, fellow countrymen give up the claim desperately and tired of the fight and facing cost arising from a court action. RAMLA believes that giving up that easy should not be more the rule as the exemption.

It is just this giving up that quick, which encourages South African motor insurances to continue with its behaviour, as it counts for them in big money saved for compensation pays.

Merely the hope or trust to receive a fair and full compensation will generally not get your there. Inevitably you need adamantly being behind the claim to have success at the end.

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car accident damages in South Africa

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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.

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RAMLA - Road Accident Management & Legal Action - offers professional, decisive but out most affordable claim service to recover financial losses emanating from material motor car accident damages, in South Africa.

What do we mean saying professional?

Well that's easy and simply means we do that as our core business on daily professional bases and do have adequate and knowledgeable personal to effectively do the job.

What do we mean saying decisive?

It simply means, we are behind the case and prepare, demand and resolute execute any matter, we will be entrusted and mandated to do.

What do we mean saying - out most affordable?

By following a unique business and service concept, we are able to deliver quality convenient and competent car accident claim pursuit, but to lower fees other will be able to offer its similar services. We do offer a variety of service options and will gladly supply you with our service and cost scheme.

As RAMLA don't want to rush someone into a mandate, we make it a prerequisite before we hand out our service scheme, to give you a free first case analyse - free of charge - in order to determine if we can effectively help you to get what you expect.

We don't want rush someone into just a fee trap by taking on cases of which the success will be limited from beginning, which can be due to several and always individual facts as we strive to deliver what we promise.

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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.

Insurance Damage assessment dispute

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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.

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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Your first stop solution for any Motor Vehicle Accident problem

Insurance Vehicle damage assessment in order of the motor insurance company in South Africa

Once it is due to claim for damage compensation, the calculation or assessment of damages, to find the Quantum of damage - or destruction value, is predominant.

Having a professional made fair and unbiased proof of vehicle accident damage listing is essential. Not all the damage assessments made by an Insurance appointed assessor are acceptable.

After a traffic accident on public roads that ends up with damages and subsequently the need receiving adequate compensation, repairing the deformation of a vehicle, the calculation of damages or assessment is inevitable.

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One of the most applied forms of calculating damages, are repair quotations from reputed panel beater or auto body workshops.

The liable motorist, who caused the damages, will in all regularity request the claiming party to supply or provide one or even more repair quotations.

Should the deemed liable party be properly and validly insured against such motor car damage compensation actions, the Insurer will commonly send out an appointed vehicle damage assessor, calculate and document the damages, at least if the damage value comes to a certain amount, which will be individually determined, whether or not an professional assessment will be necessary.

Even if the Insurance Company did receive external and qualified repair quotations, they will always only look onto the results of the assessors report.

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.

Below you will find the selection of the topics to issues of calculation of damages, repercussions to claim actions and compensation decisions.

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

Insurance Site Map - A comprehensive overview of relevant Insurance Issues

Issues of calculation or assessing of damages by an insurance appointed vehicle damage assessor

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What to expect from an insurance assessor's assessment?

Will the accident damage assessment be fair, unbiased?

Must I allow a damage assessment unconditionally?

What to do, disputing results of unacceptable assessment?

Consequences drawn from accident damage assessment

Must I accept such assessment as basis for compensation?

Attend the practical vehicle assessment when it takes place

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Contact RAMLA for a free fact check and advice

Keep this in mind when dealing with car accident damage assessments, ordered by any motor insurance company . . .

One must know that the motor vehicle damage assessment, done in the order of the auto insurance company, is most often the basis for a settlement offer to compensate a 3rd party or comprehensive motor accident claim.

The broker or the claim admin at the motor car insurance company, or even called - claim negotiator, will most often not be a technical expert, but able to verify the car accident damage assessment report and take the assessment report as basis for the work. This can in turn lead to an settlement offer. There is always the risk this compensation offer can be short of what one need to repair or replace a damaged motor car, after a traffic accident.

Unfortunately only few motor insurance companies in South Africa, provide you with the details and/or a copy of the assessment report, specifying what the motor vehicle damage assessment is about in due course, without intervention and explicit request.

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What can/must I expect from an assessment done by the insurance assessor?

Given a claim is reported to the motor insurance company covering the liable party, certain documents, such as damage quotations, registration certificate, state of insurance declaration, drivers licence and ID etc., are requested and should be provided to get the claim entertained.

The insurance claim adjuster then looks into the matter and decides to accept your lowest quotations as basis for the claim, or instruct a motor vehicle damage assessor, to examine the damages and calculate the repair value.

After the examination of the cars damages, the assessor files a report which most often will be the basis for any settlement offer, received from the insurance company.

Before allowing such damage assessment, you should have made your own damage calculations and/or have gathered a qualified quotation from a reputed auto body repair workshop or from your panel beater.

This enables you to compare all findings and end results of the assessment report with those quotations and if the results come out in a near range, you can be relatively sure all will be perfectly fine.

If you didn't undertake your own evaluation, you cannot verify if the assessment results are fair and reasonable, enabling you to repair your car, as to state before the accident, which is what the law says, a victim of a car accident suffered damages, is entitled to.

In case you do have such quotations and the results of the assessment will differ remarkably, you must find out why and which one has the higher possibility being the one fair and just.

RAMLA don't perform local damage assessments in its own capacity, but we do have a wide understanding and experience to estimate or verify, on a more informal manner, if the damages examined and calculated can be in the fair range.

If there is a possibility that the damages are as severe that they may be seen as a "write off", meaning the repair costs exceed the current market value, RAMLA can even give a rough advice if that can be expected, by checking on some pictures of the damage, which should entail the details and the wider angle of the car of all sides.

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

Car accidents damage assessments, that end with the diagnosis of a "write of" or total loss, sometimes even called totalled, meaning the repair cost of the damaged motor car are higher than the market value of the car before the accident, may have very confusing repercussions and without the knowledge of what the vehicle damage assessment is about, one cannot verify the results and possible subsequent settlement offers, at all.

In other words, one need a copy of the full report, best accompanied by details photographs supporting the assessement and further more understand the content and implications.

If you may be in the process to check such assessment report and are not certain to understand it, you are welcome to contact RAMLA for assistance.

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Salvage in a car accident           Salvage in a car accident

The results of a vehicle damage assessment, especially those done in the order of a motor insurance company must not always be fair and correct and you are not forced just to accept the results without challenging it.

A vehicle damage assessment will be undertaken to calculate damages resulting from car accidents, in order to find a basis to compensate for property damages. The results, one should expect will be, that a professional repair of the car damages can be done and paid for in full, achieving the motor car will be in the state it had been, before the road accident collision.

In many cases motor car damage will be inspected by the assessor, working for an insurance company, if damages comes to a certain damage value or other aspects in the claim may be suspicious to the party, been asked to pay the repair costs.

The objectives here are to get a fair and unbiased pictures and listing of the actual damages, regarding and emanating just out of this particular motor car accident. No other damages or uplift from previous impacts can from part of any compensation action.

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
Reasons why insurance ordered assessment may not be reasonable and fair may come with some challenging issues.

1. Assessors regularly contracted working for South African motor insurance companies, likes to be reappointed as that is their main source of client.

2. The Insurance expect the assessor to utilise aspects to downscale damages, still legal perhaps, but not fair and complete.

3. Professional vehicle damage assessors, regularly or even permanently work for an Insurer, must expectedly make concessions in the amount they can charge for a full impact assessment. That in turn may motivate the one or other to just do a small job, meaning not make too many efforts to get close and unhindered access to the object to assess, don't strip any part to check for hidden damages and more. It is self-explaining that such can result in a bad and incomplete assessment report.

4. As the insurance expect the assessor to limit damages and resultant thereto pay-outs, the assessor may support such tendency in assess in favour of such down scaling.

The above appears to be reason enough to be critically when confronted with such vehicle damage assessment.

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Motor Car Accident, in South Africa?
You want your car accident damages being paid for and receive your material vehicle accident damage compensation for destructions, suffered in a traffic accident on South African roads?

You are welcome to contact RAMLA to receive free advice after a free accident fact check to determine your position.

Contact RAMLA (Road Accident Management & Legal Action), tell us your Motor Vehicle Accident story, the issues of concern, the problems you detect or face and get a free check and advice how to proceed. We will check and analyse your individual case and revert to you - most of the time in short circle -.

For best results contact us by email initially, give us an idea of the incident, attach one or two pictues of the damages or relevant situation, the extend or value of the damages suffered - if already assessed -.

In case of an Insurance claim decline, supply us with a copy of the repudidation letter, of give us the reason for the rejection and name the Insurance Company.

Should you like talking to us (phone contact displayed below), do that after the initial email briefing, but keep in mind even we need some time to check about your matter first.

Be welcome utilising such valuable absolutely free inital advice*

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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.

  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?

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email us your story and details to 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.

Must I allow a damage assessment unconditionally?

Generally one need to allow the other party to examine the demanded auto accident damages, in order to find out what is the damage at all, and whether or not that what is claimed, be fair and just.

It will further be permissible to check if those items claimed to be damaged, are indeed a direct result of this particular traffic accident.

Before allowing the other party to do the examination, RAMLA suggest binding the assessor, declaring about his expert capacity, and to provide the party who's damage is examined, with a copy of the report, best simultaneously as it will be served to the insurance company or demanded party.

An obligation to do so should be created for them to do so, before the physical assessment should take place. Best doing this in a written agreement where even contact details etc. will be reflected. A form can be downloaded free.

In a case you cannot achieve such binding agreement, or probably not in writing - as some may be reluctant to do so, contact the insurance admin and get at least his/her promise to serve a copy to you. If they are just telling you some stories, that it is either not necessary or very unusual, you should consider not automatically allowing the assessment now.

Tell them you will not recognize the results without having studied the report or that you consider to order an independent motor vehicle damage assessor, if you don't get a copy.

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car accident in South Africa 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 directly for a free check of your particular case issue and advice, by following the link.

What to do, disputing the results of an unacceptable vehicle damage assessment?

It will be the regular way handling a dispute privately, before escalating to legal actions. The other party or motor insurance company, need to be notified in writing, you don't accept the results and in which respect and what items are in dispute and that's why you cannot accept the assessment findings.

Being able to do so, the report must be analysed and cross checked by an equally qualified expert as to that one in charge filed the disputed assessment.

The factors of dispute can be:

The listing of the needs of repair (parts, labour etc.) - Market Value (the amount of money the car has been worth before the accident), or Salvage (the monetary value one will be paid selling the scrap, or the value the car will be worth selling in its current - damaged - condition.

If you need support to verify if your damage assessment is fair and just, you can contact your panel beater or auto body repair workshop, or you contact RAMLA to check about it, in conjunction with a briefing of your matter, by email and receive a free of charge response.

Kindly don't expect a full and credible professional cross examination of your damage assessment, in this first stage, free of charge, but we will advise on the probabilities and if needed, we can become involved and get it credibly cross examined.

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Salvage in a car accident           Salvage in a car accident

What are the consequences drawn from a motor vehicle damage assessment?

The vehicle damage assessment will be a critical part to determine your accident compensation.

We have to differentiate here, between traffic accident claims to a 3rd party, addressed as a third party claim, meaning you like to be paid your compensation from the wrongdoer or his/her insurance company, where only South African law applies.

The other scenario will be, if you claim from your own comprehensive motor insurance cover, which means all conditions of your motor insurance contract apply and reign over most of the regulations in RSA law.

If the matter is handled as 3rd party claim, no other conditions as those imposed in law apply, which is generally speaking the obligation, to place an accident victim into the position he/she has been financially in, before the traffic collision destructed property.

A claim directed to your own motor insurance company will oblige you even to comply with the terms and conditions of the policy, you have chosen with your insurer.

The applicable terms might force the insured client to accept a vehicle damage assessment, made by the insurance assessor, despite not been satisfied with the result.

Conditions may further stipulate when and to which condition the Insurer can "write off" a vehicle, i.e. already if the repair costs are about only 70% of the market value, while in law the repair cost must exceed the market value before a "write off" is compelling.

Certainly there are ways to complain and some motor insurance companies do have a dispute resolution department, to which you can apply.

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     

Unacaptable decision the Insurer make in a claim of an own contractual client, can be disputed/challenged and complaints for review laid, with the Ombudsman (OSTI)

Referring such matter to the ombudsman for short term insurance and look for support to rebut or altering such disputed vehicle damage assessment, will not be very helpful, unless a second evenly or better qualified assessment can be presented, that comes to different results, as that the Insurer rely on.

The ombudsman can only decide cases based on facts before him/her and cannot inquire for evidence or hear witnesses, as a court of law can do. That means the second expert report must be better in quality to persuade the Ombud, as otherwise they tend to accept the evidence of the Insurer, without much questioning.

In previous times the Ombudsman even didn't decide matters, if there are collisions of facts presented by the parties. Collision of fact will be in place, if a second expert opinion has been made available, which comes to different conclusions. Different expert conclusions will construct a case of dispute of facts and will regularly not be decided by the ombudsman.

Challenging unsatisfactory third party claim results emanating from insurance assessment

In order to rebut, dispute or challenge an insurance assessment in a 3rd party matter, there is no way to go to the Ombudsman. The matter must be solved between the parties, of which the defendants will be represented by the Insurer and so far negotiated with them.

Experience has shown that negotiations in such regard challenging the findings turn out to be difficult to have them accepted. It must be noted that an assessment can not only be incomplete or lacking otherwise, but will have fundamental implications once the assessed vehicle is called a "write off", meaning the repair cost exceed the market or pre collision value of the vehicle, been financially worth before impact.

Factors, such as fair repair cost, market or pre-collision value and salvage are the three major gradients in the report, having huge influence in the arriving at a settlement offer.

Repair cost: The reasonable and professional repair costs to manufacturers standards

Market value: Value the real market - a willing seller and buyer - prepared to strike a sales deal

Salvage: The amount of money the scrap (damaged vehicle) can be sold to whoever makes a bid

Given the repair cost are estimated correct or acceptable, that is the benchmark to the market value.

As mentioned, if the repair costs are higher, only the market value can be claimed for compensation at best. There is no space for sentimental value or difficulties to get another equally good car for the compensation.

It is not a infrequent matter, that all those factors next to repair costs, can be incorrect, as i.e. a number, if not all Insurance Companies insists, that a combination of trade and retail value - figures presented by several specialised institutions - but intended to serve car dealerships to determine buying and selling values for 2nd hand vehicles, are the numbers to establish the market value.

This way to establish market value is absolutely the less appropriate one, as there is absolutely no connection to the real market value, willing seller - willing buyer.

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Some Insurance companies even try to "write off" a vehicle to less than the legal requirment of repair cost exceeding the market value, which is unlawful.

If it comes to Salvage, it becomes fashionable to apply a mere percentage of the already questionable market value to find a salvage amount, ranging from about 30% to up to 50% of the established market value.

This calculation has nothing to do with the real value of the scrap or the price a scrap dealer, SMD or any other buyer may offer.

Everyone buying scrap is about to make a win, and not just a small one, in rebuilding the car to less costs as ordinary repairers charge. But they do know the bad situation someone is in selling such scrap and take chances to the best, meaning very often there is a huge gap between the amount gotten for the scrap as to the deduction from the cash settlement.

It won't be a problem, if the Insurer or the party made such salvage compensation calculation, will take over the scrap for the same amount, they say is fair to deduct, for the value the scrap car still have and depose on its own, and therefore in turn pay out in full. But that is a real challenge to achieve.

In the event the other party or the insurance company cannot be convinced with arguments, there will perhaps be the need to have another qualified assessment, of which the results must back up your dispute, to take matters further.

Should all not bear fruits, there is the way to a court of law, which will be hear the matter independently and decide according law and not to reasons parties deem fit.

Submit your accident documentation for initial review by RAMLA claim service, and receive comments and recommendations, absolutely free. If you have any doubts to have a fair and proper deal with your insurance company or the third party you can always contact RAMLA for a free first advice.

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

Must I accept a damage assessment as the basis for compensation?

As motor vehicle damages must be professionally inspected, calculated and properly listed, the analyses and records filed should be fit to be regarded as basis to compensate the full damages, resulted out of traffic accident destruction, on public roads or private grounds.

If someone is not happy with the findings and results of a damage assessment report, simply don't accept the results.

It must be emphasised that most of the reports will be correct and fair. The problems however can arise in any write off classification, if the damages are that serious that the result of the assessment being regarded as scrap, called a total loss and economically not worth to repair as to the issues mentioned in the section above.

Those write off classification are daily occurrences and especially typical for older vehicle models or cars with high wear tear or extreme high mileage. As to today's high automobile repair cost, the status of a write off can be reached relatively quick and unexpected and leave the victim suffered damage with some additional problems.

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Salvage in a car accident           Salvage in a car accident

Attend the practical vehicle assessment taking place

If a vehicle assessment will take place, in order to examine the damage, you should make sure to attend it in person, to the time the assessor will do the work, make sure all been assesset in detail and the car be accessable to do so.

In order to better market value, make sure you convey all the betterments and extras or other factors that has a positive effect on the value of your individual motor car, to the assessor and thereby giving the support he need to determine the fair car value.

Carefully note all you can, so that in case the report will be different, as to what has been conveyed to you, at the time of practical examination, you can at least argue for the better.

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read more about: Steps to be taken when filing a claim

Please find more information to select from below:


Nationwide RAMLA Claim Service
SMS your problem to RAMLA Cell

076 770 3179     or best send an

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

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.


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.


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:

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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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


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.


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.


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.


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.


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.


Market value, trade and retail value, scrap or salvage are all part in a "write off" case

When it comes to more serious car accident damages often repair costs are high. Should repair costs exceed the market or pre-collision value of the motor car, it will be called a "write off".

Unfortunately many of those been written off is caused by a decision of an Insurer.

The manner in which the car values of a highly damaged vehicle being evaluated, is by applying value schemes, often inappropriate schemes or wrong assessment results should be challenged.

A write off can cause many hassles in some regards.

There are some value schemes offering private persons a one time free value check.

Below as an example, TransUnion Car Value

Anther source will be as well as

TransUnion Car Value Scheme

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