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



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Recovery material damage in a car accident





Car accident damage claim enforcement

Rebutting unfair settlement offers

Insurance claim declines or dismissal

Defence against unreasonable or inflated claims

Support pursuit in any MVA matters, in South Africa


Road Accident Management & Legal Action
(RAMLA)






We are car accident damage compensation recovery specialists

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




    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?



3rd pary claim - Settlement

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.






        

  



3rd pary claim - Settlement



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




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.



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.






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.





car accident in South Africa



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.



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.


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.



Not each and every car accident compensation claim will handled fair, correct and reasonable.





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.







car accident in South Africa



car accident in South Africa



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.





car accident in South Africa



car accident in South Africa





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.

Motor car accident damage claim service, in South Africa






The procedure and pursuit of your claim for motor car accident damage compensation in South Africa (SA)

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.

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.











car accident in South Africa



car accident in South Africa



RAMLA Road accident management - Car Accident



RAMLA Road accident management - Car accident



RAMLA Road accident management - Car accident



RAMLA Road accident management - Car Accident

RAMLA Road accident management - Car Accident



RAMLA Road accident management - Car Accident



RAMLA Road accident management - Car Accident



RAMLA Road accident management - Car Accident



RAMLA Road accident management - Car Accident



car accident in South Africa

Inflated or unjust claims need proper defence against unreasonable vehicle accident compensation actions





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.



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.




Motor car accident damage claim service, in South Africa



car accident in South Africa





car accident in South Africa

car accident in South Africa



car accident in South Africa



car accident in South Africa



car accident in South Africa



car accident in South Africa



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     







Motor Vehicle Accident

We offer the solution in Car Accident matters, analysing, supporting, demanding, corresponding, negotiating, settlement agreements and further taking matters to a court of law in South Africa, if no amicable solution could be found, in pre-litigation, to best favourable conditions in a professional and decisive routine.


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

RAMLA will be the solution,

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

in all sectors of vehicle accident damage compensation problems.

car accident in South Africa


car accident in South Africa

` `




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



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


3rd pary claim - Settlement  car accident in South Africa      car accident in South Africa


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


Accident Management & Legal Action


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First stop solution for a MVA problem


Fair auto damage compensation is your goal to come out of an motor insurance claim properly and satisfactory in South Africa



Car accident compensation claims, against a motor insurance company, for damages caused by one of its insured motorists - 3rd party insurance claim?

In terms of car accident damage compensation claims, where South African motor insurance companies are involved, they most often act in the name and further on behalf of the insured.

This means, the insured deemed liable party, reported a claim to the motor insurance company and thereafter the Insurer takes over and expect from the client, not dealing with the matter anymore, personally.

Even many insured motorists in South Africa, don't want to be involved in the process of claiming and not be part of accompanied matters, once they hand it over to the insurance company.

That would be absolutely fine for any claimant, dealing with the insurance admin, if there won't be as many obstacles, all too often created by the Insurance, which may lead to disputes or even declines of claims.

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     
Contacting some of those car drivers negligently caused the motor accident feel harassed, just by a demand in order addressing the matter of compensation.

The insurance company will not be legally a party to the claim and demands and actions always needs addressing the wrongdoer in person or directed to a company/institution, if the claim with the Insurer went wrong.

A victim of a motor accident cannot claim legally directly against a motor insurance company, in such a case and the way is via the insured, which thereafter will be handed back for pursual suppport to the Insurer.

Let's be clear here, a car driver or owner, tangled or involved or even caused the impact, and thereby part of a traffic accident with damages to be addressed for compensation, always have the duty to participate and no victim should hesitate contacting them, even if directed otherwise, if the problem will not be attended by the person or institution/insurance or the company owning the vehcile, as it can reasonably be expected.



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.

How to contact RAMLA, in what way best to do and what we need knowing to reply

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

                        Professional - competent - swift - decisive and affordable



car accident in South Africa

car accident in South Africa

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car accident in South Africa


3rd party motor insurance claims and the
     process with Insurances


Comprehensive Insurance Cover in a
     claim for car accident damage compensation?


How to proceed once have been offered an
     unsatisfactory, short falling settlement offer


What are the breakpoints in a settlement offer
     made out by a motor insurance company?


Can I claim for car hire, while processing the
     delayed claim and repairs?




Headlines and Issues on this page
Contact RAMLA for a free fact check and advice





RAMLA - Road Accident Management & Legal Action



car accident in South Africa

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

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

Contact us NOW

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



Comprehensive Motor Insurance cover is a claim against own cover and the role of a motor insurance company, in a claim for car accident damage compensation?

Click for Insurance Site Map - A comprehensive overview of relevant Insurance Issues


Motor insurance cover, is a contract between the insured and the insurer. The policy covers an insured for the risks to items or property specified in the policy and terms and conditions as well as possibly other specifications which may apply.

That means, in a case for car accident damage compensation, the motor insurance company covers the risks in monetary terms, for own damages, regardless to the question of liability, or for a car driver who must possibly pay to the other party as result of a compensation action, if caused an traffic accident by negligence, provided the insured has abided to all his/her obligations with the policy.

Any violation of the motor insurance contract or policy, can lead to problems up to a decline of indemnification or cover, to worse cancelling the policy.

It must be noted, that the motor insurance company will not be a party in a claim, even if in practice it may be the case the insurance admin take the lead in the matter, but the insurance only act on behalf of the insured.

Subrogation - substitution or exchange of one person or group by another

Getting involved into the matter of a reported claim, most South African motor insurance companies act by citing by subrogation all such rights from the insured and act on his/her behalf.

Subrogation means, the substitution or exchange of one person or group by another, in respect of a debt or insurance claim, accompanied by the transfer of any associated rights and duties.

In short it means, in terms of an insurance claim pursuit, that the Insurer takes over all rights and duties to take care of a particular matter under the subrogation and act for and on behalf of an insured, the way the Insurer feel fit.

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

One the one hand, it may be a benefit for the insured, as there will be little or no force for them being involved in a solution anymore and do not need to mandate some professionals to act on behalf of them.

On the other hand, most motor insurance companies have an interest in just paying what is unavoidable, or even try to downscale or deny a claim, for the benefit to pay less or even nothing.

Acting from a comfortable basis, the Insurer know about the hassles a Claimant is faced with, once the need arrives for someone suffered financial motor accident damages, and must claim for compensation.

Not all Insurance decisions to offer a settlement or apportion or even decline a legitimate claim are fair and correct and may be subject to a challenge.

It must further be understood, that most of those Insurance claim decider's aren't legally learned persons and got the background for decisions from training and instructions.

Another matter which may better be known is that some or many of those deciders enjoy incentives, if they have a good success in low per case pay-outs.

Insurance companies do know, that accepting a shortfall or perhaps even a decline, is more likely to happen as not and most motorist facing an unfair offer, may not consider legal representation or escalate matters to be heard in a court of law, due to well-known obstacles, as costs and considerable consume of time.

It is often very well advisable to take some cost in order to mandate a knowledgeable representative and get at least a better deal, which may often far outweigh the legal fees.

Challenging a compensation case offer is a hurdle, a huge number of South African motorists, claiming damages, are afraid taking and rather give in to a compromise or even dropping a case at all, avoiding the problems and costs that may come with an action, which is very unfortunate.

In practice, this may definite the role of the insurer not just indemnify an insured, but taking actions and decisions, as they deem fit, unless the matter will be heard in a court of law, where all parties are subject to the rules and an independent judge/magistrate, who will determine evidence laid out before a court.

In a court case, the role of the insurance company diminishes dramatically, as just to hire and instruct an attorney, on behalf of the insured.

The court of law will be the sovereign, bound to legal evidence and the law.

If a claimant has been denied a fair compensation in pre-litigation, but do have sufficient evidence at hand, he/she should not be afraid of taking the matter to a court of law, for pursuit and unbiased judgement.

RAMLA can help a client, who faces an unsatisfying claim settlement offer to challenge and do better. In order to arrive better, it is important to get the right support, early in time a disputed or newly addressed matter needs solutions, and not just once all is nearly closed.

Always be aware that the Motor Insurance Industry deal with such car accident claim matters every day and a regular motorist certainly not, meaning the difference of knowledge and argumentation is significantly in favour of the Insurance.



car accident in South Africa        car accident in South Africa



Starting with the claim against an Insured for damage compensation to your property after a car accident, find out if the party accused being liable for the cause of the road accident, will be insured against such a risk, deriving from a traffic collision.

If the other party confirms being insured, they must report the claim to the relevant Insurer and get the claim references and contacts. Thereafter they should give you the relevant contact and policy details, so the Insurer can be contacted, after the insured liable driver have reported the incident with the Insurer.

Always encourage the insured to report the accident to the insurance company, despite most or all insured do have those obligation to report a claim asap, but often still in a stipulated time frame and form.

Same will apply if you are insured comprehensively, nevertheless if you claim from your own cover or not, as it can always be, that something unexpected comes up, which may trigger a claim against your policy, to a far later time. Should an incident not be reported as required, a late claim may not be covered.

Make sure that you keep the record you reported the incident to your insurance and best get a written confirmation, that the notification has been received and set out claim references and contacts.

Keep all the records for at least three consecutive years, (prescription period) as in this period of time a claim can be launched against you - realistic and appropriate or not - and if been validly insured to the time of the accident and duly reported the accident, that motor insurance cover will still apply, even if not been insured with the same company anymore.

But if you don't have the proof of reporting the claim to your insurance company and they say after all that long time, they didn't ever received your report, such will most probably mean, they do not enter into that claim, meaning you need to deal with the matter on your own and act without the cover you thought you do have and paid for.

It is noteworthy that it isn't as uncommon, that so called recovery claim will be addressed and served a long time after the impact, so better keeping all the records and evidence about the accident for as long as 3 years, from the date of the accident.

You must know that the motor insurance company will not be a direct party in a claim for damages, regarding the insured motorist. The motor insurance will only indemnify for the pay for financial losses or compensation, the properly insured motorist is finally due to pay, if sued in a Court of Law or by accepted settlement, provided he/she adhered to all the small prints in the insurance contract and the premiums are paid up.

That means one can never legally claim against a motor insurance company to be compensated for what another, deemed liable, has insurance cover for. Any legal claim must be directed to the defendant personally.

On the other hand, the insurance company will play a vital role in any case they are involved with any kind of cover, as most often the insured cites all the rights to deal with a case, to the insurance company. This is why they can argue on behalf of its insured client, but are not forced to engage with you, seeking payment.

Compelling with and engaging in a case with force, can only be established within a legal action in a Court of Law, as only a Court of Law does have the power to compel or force parties to participate.

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Motor accident in South Africa        Motor accident in South Africa



Unacceptable settlement offer from a South African motor insurance company, for car accident damages

Don't just accept any settlement offer!

In practice only a smaller number of motor insurance claims, launched with an South African Insurer, will go right in the first place.

Once a claim is reported and documented it will be analysed and a settlement offer may be submitted.

There is a variety of reasons, why an insurance settlement offer can be insufficient to pay motor vehicle damage compensation, such as differences in determination of liabiity, or to the Quantum of a claim, matching the costs of reasonable and necessary repairs.

Should there be an insufficient offer, someone wanting to have an explanation, to what reason and why the insurance offers you such bad compensation, may be disappointed, if no such answer comes forward.

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



Procedures and actions, how to go forward, once a claim has not been dealt with to satisfaction, are different and always dependent on the individual case.

In case of a short falling compensation offer, there is always initially the way of getting into dispute with the insurer. Some of them maintain a special dispute resolution department/unit, dealing with such matters and sometimes review the decision.



Generally all arguments within the exchanges and dealing with the dispute, about the claim decline or shortfall of a settlement offer, should be in writing, and be accompanied by evidence, proving the arguments put forward.

Just expressing the offer will not be to satisfaction, or arguments of long term standing with the insurance company or thread to publicize the matter, will not really be of much success.



It will always be a good idea to find someone knowledgeable to assist. RAMLA offers a first free analyse of your matter. Just send us an email and lay out your problems, and we give you an initial feedback and if there is a straight answer, we will advise you.

South African insurance companies cannot be categorized as acting all the same way. There are indeed positive differences in the way claims will be handled.



Differences in handling claims, under comprehensive cover or as a third party claim, must even be expected. A claim from comprehensive cover will be handled more favourable as a 3rd party claim. The comprehensive claimant is the Insurance client, while a 3rd party claimant will not be an Insurers client and therefore expectedly treated more critically.

Claiming as a 3rd party, mean regularly an uninsured motorists, suffered damages and claim from the other party, insured against such risks.

Once a claim is put forward to the insurance company and a claim will only be side lined and not properly attended to, meaning brokers or claim negotiators/admins prefer to be inactive, or only move under constant pressure, should be understood a sign, you won't have an easy time or an amicable claim.

Other claim negotiators/admin's being more active in corresponding with you, but simply repeat their point of view and not be open for any factual arguments, does indicate they will not approve a claim or alter an unsustainable decision, without a fight.



Lot of factors can be influential in a settlement offer as:

effective repair costs, wrong calculated or downscaled damages, wrong values apply in terms of market value or salvage, the disposal of salvage, storing and towing costs, not mentioned depreciation after the motor vehicle is repaired, or even expenses for car hire, or other consequential damages, can be part or leading cause for an unsatisfactory offer.

Unsatisfying or unfair compensation offers, should not be accepted, as long as evidence will back up further actions and the difference in money is worth-while to take the matter up with additional actions. Taking further actions, does not necessarily mean going to a court of law.

In order disputing a case decision, better argumentation is needed, as just repeat what had been said. Possibly the evidence provided before, may just not have had the quality it could have, once better researched or presented with more facts and references to the interpretation of law and/or the rules of the road, there is always a chance of a change from a bad to a better offer.



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car accident in South Africa car accident in South Africa car accident in South Africa car accident in South Africa


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*

 
car accident in South Africa

RAMLA can be the solution in MVA matters

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

car accident in South Africa car accident in South Africa car accident in South Africa car accident in South Africa
 


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

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

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

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

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


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

       motor car accident damage claim is complex             

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


It's so easy contacting us by email.

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

- free of charge.

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

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

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

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

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


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

in South Africa.

RAMLA can be the solution to sort out MVA problems.

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

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

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

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


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

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


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


car accident in South Africa

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

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







What are the breakpoints in a settlement offer made out by a motor insurance company?

Important factors in a claim are:

1. The Question of liability and/or contributibual liability is
    the initial key check

2. The repair value and assessment of damages - "write off"
    check

3. Evidence put forward and related arguments exainined if
    true and correct

4. Conditions of the settlement offer

car accident in South Africa        car accident in South Africa
The Question of liability is the first and most important one, as if that is not seen sustained, no engagement in a claim will be likely, and a decline will most expectedly be brought forward.

The value of damages may be evaluated either by a repair quotation or motor car damage assessment.

If both, an assessment and repair quotations are available, the comparison of the results will be the key to look on. Once they come to a similar result, all will be fine. But if significant differences are detected, the reason must be investigated and found out which calculation is correct and complete.

Results stated in an insurance assessment must not always be seen as the one and only truth. Mistakes or miscalculations are always possible.

In South Africa, a number of cases with more serious destructions to vehicles are quickly categorised as beyond repair or even called "written off" or totalled.

In such instances, other additional challenges may come to light. The determination of market value and salvage and disposal will be essential and can easily be a point of dispute.



The matter of evidence, both or all the parties involved put forward, is important.

Winning or securing a positive outcome of a claim, has a direct link to credible evidence. It is certainly known that it's not always easy, getting such credible evidence in the right form, if the party/person claiming, is not aware of the needs and forms to get together, creating a positive and strong evidence, which is the prerequisite for a strong case.

Proper argumentation and knowledge of the rules of the road and the South African traffic legislation, vital understanding of precedents invoked in claims and its true interpretation, is essential and arguments need to be formulated accordingly, ensuring having the impact and results as envisaged. The author of these web pages, RAMLA - Road Accident Management & Legal Action - do have such knowledge and arguments and welcome a reader to contact us for support.

A claim needs to have as strong evidence as ever possible, either to claim or defend a case. Weak evidence, will lead to lose out in a claim and therefore all attempts should be done to uplift the merits of a case.

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


Settlement offers, if made at all, commonly comes with conditions attached.

Some settlement offers are made in a standardised form and entails some remarkable loopholes that should be looked on before signing such.

Others may be drawn by a knowledgeable person/professional, which may make it difficult for another, to understand the full impact.

A settlement offer must be understood and fully accepted, otherwise it will guarantee dissatisfaction and even may lead to financial losses.



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car accident in South Africa        car accident in South Africa



Claims for car hire after accident are restricted to earning an income, in South Africa

Car hire is a much neglected subject, in terms of consequential damages in South African law and prohibits most victims of utilising such most needed service to mitigate the impact and repercussion of a traffic accident, in daily life.

Generally car hire is not granted. The reason for this restriction isn't clear, but renting a car to bridge the time for repairs and uphold the comfort of transport is only covered or allowed to claim for, if the damaged vehicle has been a tool for sourcing income.

A source for income isn't meant driving a car to and from work. It is only meant, if the car is a tool to perform the business to make a living, i.e. as a representative who must visit clients, a Taxi that is the horse for income generating or transport and delivery services, and any similar occupations, needing a vehicle to perform the core business.

A private person, whose private car has been damaged and not been drivable thereafter, does not have any chance of being awarded car hire expenses in South Africa, despite it is a dire need to get regular life going.

Discomforts start with going to and from work, bring and fetch children, go shopping etc., but do not end here.

As to the unfortunate long time a regular claim takes to be pursuit, unless payment is received, if so, the victim is most often punished two times, one in lacking of use of a paid or currently paying instalments for the car and another time very often to deal with a shortfall of compensation.

The only winner, in a regular case, will be the motor insurance industry. Should car hire be compulsory allowed for even only a limited time period, the costs for the Defendant or his/her Insurer will become sky rocking, as to the long periods of delayed attention.

It is our firm believe, that car hire allowances will speed up the process of claiming immensely.



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                Contact RAMLA . . .   for your free initial case analyse   Now
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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      car accident in South Africa



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



Please find more information to select from below:

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





Nationwide RAMLA Claim Service
SMS your problem to RAMLA Cell

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







 
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:

ramla@ramla.co.za








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





  Keyword Search

  FAQ  frequently asked



As a member you enjoy full claim service free of charge!

  RAMLA Membership
         tariffs - terms - etc.




  Preparation is key:
           before  an  accident
           when enforcing claim







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

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

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












RAMLA Expert Partnership


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

Legal profession

Panel beater or auto
     body repair workshops


Independent vehicle
     damage assessors


enhancing mutual business at no cost to either side.

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




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








 

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

www.carvalue.co.za

Anther source will be www.book-value.co.za as well as www.autotrader.co.za





TransUnion Car Value Scheme

www.carvalue.co.za














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