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



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Recovery material damage in a car accident





Car accident damage claim enforcement

Rebutting unfair settlement offers

Insurance claim declines or dismissal

Defence against unreasonable or inflated claims

Support pursuit in any MVA matters, in South Africa


Road Accident Management & Legal Action
(RAMLA)






We are car accident damage compensation recovery specialists

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




                                                             RAMLA - car accident damage claim service South Africa

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



RAMLA - car accident damage claim service South Africa

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



Select issues of interest by keyword search



      car accident in South Africa





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





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

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

Car accident issues that matters most:









      facilitating a claim



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

     not insured motorist

     3rd party claim

     reluctant party





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   value of damages



   Calculation of damages

   Quote or assessing

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





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   Insurance claim evaluation, decline, dispute



     


   3rd party claim

   comprehensive claim

      violation of terms (t&c)

      in regard to investigations

   declined claim

   insuficient settelement

   Apportionment

   Precedent / case law

   Defend Recovery Action





     




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

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

RAMLA comprehensive MVA - motor vehicle accident - Information Platform,

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

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





Apply for RAMLA Membership NOW



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

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

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

                  Professional - competent - swift - decisive and affordable






         Issues with South African Motor Insurance companies

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Should a matter be taken to a court of law?

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

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

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

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

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

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








car accident in South Africa

car accident in South Africa






















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

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



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


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

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


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


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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

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





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

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

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

Car accident lawyers and professional claim managers . . .

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

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

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

   accident@ramla.co.za


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

   RAMLA contact Info


The motor car insurance company - offers you an unacceptable settlement as compensation for your vehicle accident damage - South Africa (RSA).

It may well be you struggle to motivate a motor insurance company in South Africa, to pay your claim for Car Accident damage compensation.

Car accident lawyers and professional claim managers . . .

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

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


 
                        

RAMLA offers:

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


car accident in South Africa



Free case analysis

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

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



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

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



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

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

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

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

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



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



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

car accident in South Africa

      
 








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

Reasons for a dispute or to reject and not entertain a claim can be, that both parties are on disagreement of facts, the motor insurance just rejected the claim on reasons deriving from your t&c, or being dismissed or repudiated on arguments of liability or damage.

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



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

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


Keep this in mind when dealing    . . . with insurance companies!

Insurance companies' procedures to minimise car accident compensation

The insurance company paid the damage to its insured, but claims back money from you?



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



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





When you receive an unacceptable settlement offer from an insurance company in South Africa to compensate you for car accident damages, you most probably need help to get them going further and to accept the 3rd party motor damage claim, or your own claim, based on the comprehensive motor insurance cover you concluded with the car insurance company.





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


  Material Damage suffered in a car accident



There is a variety of reasons that can lead to decisions and subsequent settlement offers, which can be all means, not settle your claim, so that you will be compensated full and fair. We cannot deal with all those possibilities here, as they are just too much.

But you are welcome to brief the RAMLA claim manager with your individual problem, for a first free of charge review.

We all know that lots of traffic accident victims, involved in a car accident on South African roads, try hard to solve the vehicle accident compensation matter.

Some motorists dealing themselves with the other party to get fair compensation wait until all avenues they know are worked through and still don't have the expected results, before they look for support.

Fair compensation is achieved, if you will be able to repair your damaged motor car in a traffic accident, comfortable to the state it was in before the accident occurs and that should be done in a reasonable time frame.

Those are the basic needs any car accident victims want to see achieved.


South African law reflect just this as it states generally that the perpetrator will be liable to pay for the motor car damage to be repaired to the state the vehicle had been, before the accident impact.

Unfortunately the common experiences with motor car accident claims is, that much too much time is consumed before any kind of settlement will be reached. Due to a lack in South African law, that not all of the motor accident victims are entitled to claim for car hire expenses, as this is presently restricted to just business/earning needs, meaning only if one uses the vehicle to directly perform the job or business, will be entitled to car hire compensation.

If the motor insurance company would have to face and compensate high car hire costs, they certainly would speed up the procedures and don't buy time to get you uncomfortable and when you are desperate enough to accept you even unsatisfying settlement offer, just to get the matter to an end.


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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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

car accident in South Africa

car accident in South Africa


3rd party motor insurance claims and the
     process with Insurances


The role of a motor insurance company 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




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.



What is 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 and 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, a car driver 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.

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.

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

One the one hand, it may be a benefit for the insured, as there will be little or no force for them being involved anymore and not need to mandate some professionals to act for them. On the other hand, most motor insurance companies have an interest in just paying fair, 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 hassles a claimant is faced with, once the need arrives for someone suffered damages, and must claim for compensation.

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 most may not consider and escalate matters to be heard in a court of law, due to well-known obstacles, as costs and considerable consume of time.

This 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.

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 unsatisfied claim settlement offer. But it is important to get the right support, early time in a matter and not just once all is nearly closed.



car accident in South Africa        car accident in South Africa


Starting with the claim 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 should give you the relevant contact and policy details, so the Insurer can be contacted, but only 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 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.

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 for 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 of financial 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.

Force can only be established within a legal action in a court of law.



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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 analysed 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, 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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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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                                                     Back insurance Site Map

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

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.



Back Page Selection                   Back insurance issues Selection

                                                     Back insurance Site Map

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

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





Aspects and options

RAMLA membership

RAMLA membership covers for,
     the benefits and services


Tasks and actions in pre-
      litigation periods


Specials membership for NEW
      members with existing case


RAMLA tariffs    Individual
     - Family - Business


RAMLA membership   Terms &
      Conditions


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



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

Car accident issues that matters most:





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

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

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

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

We work only on motor car accident matters.

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

Welcome to RAMLA

Road Accicent Management & Legal Action - South Africa








 

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

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

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

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

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

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

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

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

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

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

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





 

Defence against unreasonable or inflated claims?

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

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

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

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

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









 

However we do handle every substantial MVA claim,

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

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









 

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

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

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

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









 

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

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

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

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

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

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









 

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

Let me answer the question in short.

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

Why is that so?

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

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

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

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

Contact us to get more detailed information.









 

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

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

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

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

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

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









 

Should you have been through all before . . .

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

You're welcome to be served perfectly.

Kind Regards Your RAMLA team













Nationwide Claim Service

SMS RAMLA to 076 770 3179
and let us know the problem, or much better send an e-mail to:

ramla@ramla.co.za




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





  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.




  





    Disclaimer: Although all reasonable efforts have been made to ensure accuracy of the content, displayed on the RAMLA web-pages, no warranty is given regarding the accuracy or completeness of the content or its suitability for any purpose.
Use of information whatsoever will be entirely on own risk. No claims for loss or damage arising from reliance of the information supplied will be entertained.

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

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


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