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.








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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


Dealing with a declined car insurance claim - or a rejected motor insurance claim.

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

      
 








When it comes to claim for car accident damages against the liable party causing the motor car crash, lot of surprises can come along your way.

Luckily you don't need to accept all such surprises when you are dealing with motor insurance companies and its claim adjusters or motor car damage assessors.

Differences can occur quickly and can start with the insurance play foul and just do nothing. The next dispute may be the assessment of the vehicle damages and the finding of the motor car assessor.

RAMLA has experienced some very funny points of view, all around the board of people involved in a motor car accident damage claim.

Very often the question of storage cost and times will lead to differences, as the insurance companies are very restrictive in taking in such compensation for a longer period.

Be aware that the towing company is out there for your money. It is common that they charge parking/storage fees comparable with the parking costs at an airport, which is never cheap.

The analyses of the auto damage will be a frequent matter of disagreement and disappointment.

In cases the car accident damages are so severe that the repair cost exceeds the market value, and the insurance company call the damage a "write off" or total loss - totalled etc. the dispute potential is on its peak.

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



Example:

The market value is determined wrongly

The repair costs are not correctly listed

The salvage or crash value is badly calculated

You are blamed to dispose the scrap of your car on your own

Factors as low or high mileage are false determined

A percentage of a claim is deducted without backing by your motor insurance policy

You are not given car hire expenses, despite the law stipulate you are entitled to.



If you claim from your own comprehensive insurance cover and your claim is declined rejected or dismissed, all of those factors regarding the motor insurance company agrue to reject your claim, must have been expressively stipulated in your motor insurance policy and/or your terms and conditions of your motor insurance policy.



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



You found the RAMLA web page because you were looking for some general information on how to proceed in a case of a car accident in South Africa. You will find lots of information about it here to support your own claim pursues or even to answer questions you might have in your car accident claim. If you want support to be compensated for your car accident damage RAMLA can be your one stop solution and take the matter forward to pursuit the claim on your behalf.


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




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?










car accident in South Africa



car accident in South Africa


Apportioning damages contributable negligence

In analysing motor vehicle accidents, parties, investigators or assessors in charge for motor insurance companies, may come to the conclusion that the demanded party will not be seen as 100% causal and therefore the claimant been held liable for a portion of damages.

Often motor insurance companies take chances, citing precedents of case law, as a motivation to blame others being contributable to the causation of the motor accident.

There are a lot of obligations a motorist is due to abide, taking part in public traffic. Violations of duties may sometime exist, but should be looked on carefully.

Apportioning damages between the parties can have a huge negative financial impact.

Negligence is definite as the breach of the duty of care, which can even apply if just omission of evasive measures is alleged. Insurance companies can mitigate its financial indemnification obligations dramatically, once they just argue contributable driving and easily suggest an apportionment of 60/40 in favour of the claimant.







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Motor Vehicle Accident

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


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

RAMLA will be the solution,

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

in all sectors of vehicle accident damage compensation problems.

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

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

 car accident in South Africa

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

                  Professional - competent - swift - decisive and affordable




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


Motor insurance claim decline - the process of challenging it - for a better outcome and a pay!



Motor insurance company declined dismissed or rejected your car accident damage claim based on Investigations?



If your South African motor car accident claim is rejected, or denied - partly or in full - by the motor insurance company, based on findings out of Investigations all must be crosschecked as results are not always be credible.

1. When someone is called by any other on behalf of the motor insurance company and refers to a claim or accident matter, an alert is the least one must realise. Investigations are a common and legal instrument to evaluate the circumstances, given its done in an unbiased and independent manner.

2. Investigations will be triggered, if some sort of circumstances are obviously be detected by those who deal with claims every day. Such can be - late evening or night accidents - deformation of the vehicle as to immense impact - bad weather and tire conditions etc.



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 expert to sort out MVA matters

                  Professional - competent - swift - decisive and affordable






Investigation and decline of car accident compensation by SA Insurers'



Insurance investigations are common and a legal
     instrument but may get a claim in risk of a decline


Investigation are triggered by symptoms as to time,
     destruction and other measures


       Accidents at night

       Bad weather conditions

       Accident happen far away from home

       Accident driver isn't the regular or nominated

       Car destruction does not match the statement given

       Other assumtions of contract violation, dishonesty etc.



Cell phone records, Telcom beacon reports examinations



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Completely rejected claim on various possible reasons

Partly rejected claim and apportioning damages

Insufficient compensation will cause losses. Don't accept it

Recovery of losses for excess or lost bonus rewards

Depreciation or diminishing the car's market value



Headlines and Issues on this page





Completely rejected claim on various possible reasons

1. The compensation claim is rejected by a motor insurance
     company

    a. In regard to comprehensive insurance cover

    b. 3rd party claim, dealt with the insurance of the insured



2. 3rd party denied the claim itself not been insured



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     


1. a     Claim against comprehensive cover declined

A claim denied by the insurance company against comprehensive cover, can have a lot of reasons. Firstly your premiums must be paid up, but secondly and that is much more difficult as the payment, an insured motorist must abide to all the terms & conditions and the policy concluded. We posted more to the violation or alleged break of the insurance contract on our page - what you should know and better not miss out.

But there can even be reasons that lead to a decline, once alleged to have violated the rules of the road in an unreasonable manner. This decision may not be correct and can be challenged, once evidence back up the case or the argumentation of the insurance is week.

As a failure not abiding the duties of the policy, can be a valid point for the insurer, denying the claim relatively easy. The option will be to involve the ombudsman (OSTI) deciding if the matter is a breach of the terms etc.

Once the decision is uphold by the ombudsman, confirming the decision the insurer took was correct, there will be little room to argue, other as the way to a court of law. But once the ombudsman carefully looked into the matter, chances to get a different stand in a court of law are very small.

1. b    Decline in a 3rd party claim, launced with the insurance company of the insured motorist

The important difference in a claim launched as a 3rd party to another or the motor insurance company, compared to a comprehensive claim, is that no terms & conditions or terms of a policy will apply at all, and no restrictions out of contractual relationship apply to a claimant.

The basis for any compensation will only be South African law. This does not mean that all will be predetermined and a solution given by a court of law will always be predictable.

A claim can be denied without any valid evidence neither arguments can be forced to put forward, about reasons leading to the decline. That leaves a comfortable space for someone just want escape a claim, as if all fails to negotiate and demand, only a court of law will be the instance enforcing participation and evidence, leading to a judgement, determine about the case, which is binding and enforceable, unless no appeal is launched.

But certainly it's not expectable that every claim will be denied, even without argumentation. The majority of compensation claims are entertained and if disputes arise, this reasons being addressed.

The real problem will be, once the insured give a different version of what had happened to the insurance company, that give rise the insured will not clearly be liable. Another part in the investigation in a claim can be that witnesses cited will be contacted or interviewed by insurance people, and suddenly come up with a different version, of what has been said before.







Material Damage suffered in a car accident         Material Damage suffered in a car accident


Any such claim rejection or even a claim adjustment, resulting in insufficient compensation must be crosschecked in terms of your motor insurance policy and the corresponding terms and conditions you accepted.

If you receive the message that your motor car damage claim is rejected and no payment can be expected, and the reasons given, should match your insurance policy. Any claim that is declined or reduced by the insurance claim adjuster must match the terms.If you conclude your contract with the insurance company it must reveal all relevant obstacles in your motor insurance policy, if they base a claim denial on such arguments.

It is often worthwhile to oppose a decision declining your claim to have a better deal. But getting the decline reversed is not as easy as one might believe.

Another way to challenge the decision of the rejected comprehensive motor insurance claim in South Africa, may be you follow the advice, regularly comes with the message of the claim declined, to approach the Ombudsman for Short Term Insurance (OSTI).

This is an economically worth path, to get a more or less objective revise of the rejected claim, but it will be a long term matter as currently some hundreds of claims are launched daily to the Ombudsman's office. Due to the fact that the Ombudsman's offices do not have the human resources to deal with all such complaints about a declined motor car damage claim immediately, it will take a long time to be served.

According to an own statement the ombudsman admits, that nothing should be expected quicker than at least 3 month, to look onto your matter.



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


3rd party deemed liable causing, decline the Claim itself, without much of a comment

It must be noted, that every party, insured, represented or acting on its own behalf, can deny or decline any claim against him/herself, or do have the liberty not to engage at all, without taking a risk been punished therefore, except if matters taken to a court of law.

That is the bitter reality and people with some knowledge, more often involved in car accidents, may utilise such to give the other party a hard time.

However finding it difficult dealing with an adversary, aware of the obstacles he/she can create - but most commonly done by Companies - of which its drivers are involved in traffic collision, doing so, should not succeed with such bad behaviour.

The regular claim procedure apply, meaning analyse of the matter, prepare evidence, and thereafter demand the compensation and if all failed, go to a court of law.

Smaller claims up to R 18 000 can be directed to a small claims court, which can be very effective and don't allow both or all parties any legal representation. Companies and drivers will not like it to be forced to appear in person in such courts, neither may others reluctant persons like it.

So that is a vibrant way to go, should the damages are lower than R 18 000.

Should the damages are higher; the matter will be applying to the Magistrate Court level and can be enforced by providing evidence and facts.







Investigation on the side of the Insurer or Party are legal issues to find out what indeed took place or are the facts in regard to obligation in Motor Insurance Contracts / Policy cover

An insurance policy which is designed to shield against financial losses, if a car accident take place, is a mutual contract, subject to conditions regularly dominated by the party (Insurer) taking over the risk.

The Insurer doesn't want to pay for all and everything. That's why an insurance client must understand and know the obligations. Should in case of an accident claim, the Insurer suspect a violation of the terms, which can be in many ways, an investigation will be the result in order to establish the facts.



An insurance policy which is designed to shield against financial losses if a car accident take place, is a mutual contract, subject to conditions regularly dominated by the party taking over the risk.

The Insurer doesn't want to pay for all and everything. That's why an insurance client must understand and know the obligations. Should in case of an accident claim, the Insurer suspect a violation of the terms, which can be in many ways, an investigation will be the result in order to establish the facts.

There are subjects that clearly indicate violations may have taken place, such as attempted fraud, which is not very advisable to try at all. But there are even other matters regarding technicalities which can entitle an Insurer to deny cover. Such technicalities do not have any relation to the matter of the car accident at all.

A claim for compensation may well be covered by the circumstances but not by the terms, should there be violations, some insured don't even took notice of or found it noticeable to inform the Insurer due to just a very short period of time and according to immediate circumstances.

As an example, an insured car owner nominated as driver, don't feel well or have had a celebration such as a wedding etc., ask and enabled another - not registered driver - to get him/her home safely as they feel out of ability to do so just now.



The bad happened and the appointed driver is involved in a sudden accident.

A claim is formulated and submitted and as to surprise denied, not on matters of the accident itself, but on reasons not be the nominated driver, even if just made the one favour to get the celebrity home.

Now all are guessing if that is the way they took insurance for? Further is the question is that fair, taking premiums and if something as the above happened, deny a claim?

Well in our view it's a poor service but in terms of the conditions of a contract, it may have some merits, depending on the particular wording and policy.



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Investigation are triggered by detecting strange symptoms as - the time of impact - night time, destruction is more serious as expected in the circumstances and other measures

Reasons for motor insurance investigations into the details and circumstances of the particular matter are strange issues, which under regular circumstances won't be found, or where a client is seen as a "bad" risk.

Issues for investigations in details of a car accident can be:

       Accidents at night

       Bad weather conditions

       Accident happen far away from home

       Accident driver isn't the regular or nominated

       Car destruction does not match the statement given

       Other assumtions of contract violation, dishonesty etc.



1. Night time when the accident happened

When it comes to night time accidents, always one of the suspected factors is intoxication and negligent behaviour as to intoxication. Investigations starts with an Interview, which is generally be recorded by the Investigator, but the wording may not be revealed unless there is a compelling force.

A request to allow checking cell phone records, the so called beacon reports will be taken into account and the positions before the accident checked out in order to find if there may have been any stop in a pub or other places that sell alcohol.

Should there be any such on route, the personnel will be questioned and it may even be, if you have been even asked to provide your bank statement, that deductions or payments to such suppliers will support the suspicions investigation.

Any wrong answer in the Interview given upfront can be a reason to collide with the investigation and a decline is expected.

Other measures at night time may be the assumption of less care in driving, while speeding in order to get home, or other risky driving manoeuvres which would rather less occur in day time.



2. Bad weather conditions

Weather conditions as heavy rain, snow or hail, mist or fog, all are implications that influence the way a motor vehicle should be driven according to the higher danger and risks, generally more carefully.

"More carefully" is a phrase with many possible interpretations, but in terms of car accidents, it means adequate restriction of driving to contain risk. The measure as applying in a court of law will be that of what a "reasonable man" or careful and wise driving motorist would have done under the circumstances.

Weather conditions are no excuse to causes of traffic collisions. To the contrary, if missed out to be on higher alert and in a more careful driving mode, can risk it all, as many or all Insurance contracts oblige the Insured to protect the property, by applying reasonable restrictions and alertness.

Other checks as to the tyre profile may be undertaken, and if below the legal limit of 1 mm of depth all around all tyres, a claim may end up in jeopardise.

Bad weather conditions needs more care and foresight of risks, not losing control of the vehicle and being caught up in an accident. Hampered views, aquaplanning and any other defensive arguments may just be null and void.



3. Accident happened far away from the location the car is
    assumed to be based

Motor Insurance companies claim to evaluate the individual risks when covering someone for motor car accident risks. That has a component to age of those drivers covered, years of experience of driving motor vehicles, the area the motor car is operated in and other accompanied circumstances as secure parking at day or night time etc.

The risk, being involved in a car accident, by driving an Auto in public traffic is supposed to be different, if either in a busy Metropolis, a mid-size town, or in rural areas. It is obvious that in traffic jams or rush hours in huge cities a higher risk of a collision exists, as if just driving to or from work in a quiet town or even less in a rural area.

Those factors lead some Insurers to give different premiums to persons with otherwise same risk profile.

If the motor car, now involved in an accident outside such wider area of the zone supposed to be utilised the most and registered with the policy, the problem may already be on the way. This can be exacerbated, if even not the nominated driver him/herself steered the vehicle.

Additionally other factors may even be alerting the Insurer, which may trigger investigations into the fact, if the car indeed been operated regularly in the area nominated in the policy or if the car been transferred somewhere and the overwhelming utilisation take place in another area.

Therefore inquiries may take place, performed locally by Investigators and those results or findings, may be a reason for a decline.

However those investigations aren't always be reliable and sometimes findings not based on sufficient proof and therefore they can or should be challenged.

Those investigations are performed by private Investigators, offering its services to the Insurance Industry, often for the lowest possible rates. Qualifications of those private Investigators are unknown to the public.





4. Another driver as the nominated or regular driver
    registered in the policy, driving to the time of the impact

In all regularity a South African motor insurance policy does name the regular driver in order to contain risks for the Insurer, not to cover persons whose profile may be unknown or differ negatively from those of the nominated driver.

The nominated, regular or driver registered with the policy is the driver overwhelmingly utilise the car for driving purposes. This doesn't mean another isn't allowed to drive the vehicle, if with the permission and authorisation of the car owner or the insured.

However this must be short term, not to have negative consequences.

As an example: A person, having access to several cars, may lend one of them to a family member, somewhere the family lives, as to several reasons, for example to visit common parents, being ill in a distant hospital. This was planned for short term, but as to the deterioration of the health situation of the parent, it has been extended for a total of more as a month and not reported to the Insurer.

Such can be a matter of decline and subsequent dispute, despite the insured car owner and regular driver been insured for more than a year and intend to get back the car soon to drive it merely himself, for a long time to come.

If in such period the car is given to the family for good reasons, an accident took place, the dilemma may be complete if not challenged the way it may be successful.



5. Destructions that may not match a given statement and
    seen doubtful as to be corresponding damages

Once an accident had happened and there is a motor insurance cover, the matter must be reported to the Insurer and to the Police.

The Insurer does have some formalities to do so, but all require a full and honest report.

Most commonly the Insurer will send a vehicle damage assessor to inspect and calculate damages. Should the result of the assessment, contained in the assessment report, may trigger some alertness on the side of the Insurer.

If as to its experience, i.e. damages in a 60 km/h zone may be regularly less severe, as those found during the assessing, if speed limits where adhered to, matters will be looked on much closer and a decline is expectable.

Such differences must have a reason and to find the reason the Investigation is the measure, accomplishing the damage assessment report and support a decline, if reasons are established.

A decline of such findings can be on the basis of honesty/dishonesty, should the report given to the Insurer can be interpreted as such, or even on other reasons the terms & conditions of the policy allow for.

As it is with all one sided decisions and investigations, there is always a possibility that facts been wrongly interpreted or dragged into a wrong angle and any attempts to support the argumentation of the insurance client, hasn't given any attention.

In the light of all facts, it may be a reason to challenge the decision, probably made to the disadvantage of the insured, to have matters reviewed.



6. Other assumptions which may be to individual
    circumstances or as to reports given

The matter of honesty is one of those technical allegations often leading to disputes. The problem can be, that only the Insurer decide what is regarded to be honest and how small the degree of difference can be, to land up being accused to be dishonest.

However there have been cases, where affidavits been supplied, which contested all dishonesty allegations, but still not been accepted by the Insurer, relying on a single statement - not presented as affidavit at all - in order to discredit the evidence supplied.

Such one-sided position is bad behaviour and should not be accepted.

Another strong influence in 3rd party claims, as to the decision of insurance admins, are comments given by the insured party. If those will give reason for a denial, just too often taken and echoed without verification. That simply underlines, that the motor insurance Industry isn't interested in fair procedures, but in minimising pay-out.

Any sort of imaginable break of terms and conditions are reasons for an attempt to decline a claim and there are plenty.

As observed the quality and formulation of terms & conditions these day's appears to improve, so that at least someone who is interested in knowing the obligations is enabled to understand and adhere, as it wasn't as good in the past.

But there may still be some Insurers, of which the terms rather been formulated as "small print", which are in language and clarity far more difficult to understand by any layman of law, as the improved and more customer friendly versions available.

It is highly recommendable to scrutinise the particular terms & conditions, before taking cover from any Insurer, as if they are not satisfactory or risky, the cover won't help at all, as the risk of a decline is obvious and not worth to pay premiums therefore.





Material Damage suffered in a car accident                  Material Damage suffered in a car accident





Cell phone records checks and telecom beacon report analyses

An often utilised tool in investigations processes to check if a client has disobeyed the obligation with the Insurance Policy, is the check of cell phone records and telecom beacon reports.

As most aren't aware of the aim doing so, they are initially unwilling to submit the application for permission of examination, but learning if refusing, losing any cover, without further discussion. No one will do that.

Before a request for the check of phone records are put forward, commonly an interview has taken place. This interview is a key challenge and one must know to be honest and clear of what has to be admitted and what perhaps not.

The cell phone record and beacon report will be utilised, not locating only where you have been at the time of the impact, but even if you may have phoned, texted etc., while supposed driving, as to time of the impact.

If phoning or texting while driving, can lead to a decline of a claim as not concentrating on the duty of the traffic, unless it is proven that a free speech installation has been used.

Another purpose is to find out more about the location of someone, as there are cases where the Insurer is suspicious about the correctness in the accident report; who's indeed the driver of the accident vehicle to the time.

Should the beacon report show, the phone being some distance away and could not be at the scene at the accident to the same time, questions are to be answered.

The next utilisation can be to trace the way and stops of someone drove a car and caused an accident, due to suspicious circumstances. For some motor insurer's just an accusation of someone smell alcohol with the driver, can lead to a decline, or at least to investigations.

Those investigations will look onto the way and stop and check if any location been stopped by or started from, where alcohol is for sale, a pub, a patrol station, a restaurant or a shop, whatsoever bears the possibility to buy or consume.

It will depend on the particular circumstances if such proof can be good enough to uphold intoxication allegations. However in many cases the insured alleged intoxicated driver, don't challenge the matter to the extent possible, which can be a court of law.

It can generally be said, that only proven intoxication, tests done by those trained and empowered to do so, can lead to hard proof, if a driver has been over the limits allowed.

No person has the capability, not even a medical doctor, determine any degree of intoxication in factual terms, only positive appropriate handled tests can do so.















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Material Damage suffered in a car accident                  Material Damage suffered in a car accident




Partly rejected claim and apportioning damages

A partly rejected compensation claim or a moderately accepted claim, will be leading to a similar negative result for a claimant. Those entertained, but not entirely accepted claims, will regularly be based on the outcome of a claim analyses, by a motor insurance company or a legally represented person or institution, but certainly even possible by private persons, but more often by larger companies, maintaining some in-house legal department.

A partly rejected or accepted claim for compensation of motor accident damages will mean the party facing the demand, accept some sort of liability for causation, but blame the claimant, being liable for the cause of the accident to a certain extent or per cent, too.

Such argumentation that influences the portion of liability can be true and based on hard facts or evidence. There are a number of obligations, the South African traffic legislation and previous rulings of courts of law, imposed on a motorist participating in public traffic. Breach of rules or negligent behaviour, a claimant can be accused off, relatively easy.

Especially those institutions dealing with motor accident compensation claims frequently utilise so called precedents, citing a certain case that is deemed to match the particular accident situation, as the evidence for alleging negligence and arrive and determine the portion of and liabilities for the parties, sometimes as they deem fit.

This kind of evidence is week, and someone confronted with such argumentation in a compensation claim should check, analyse and rebut such allegations, once it's not indeed matching the particular case and find approval of the accused.

Lot of motorists do know the general traffic regulations and most duties, very well. But if it comes to duties alleged been violated, some more special knowledge will be highly beneficial. A motorist facing such scenario should look and take external expert advice.

While it may not sound as bad, if the other party or its representatives accept the party they represent will be the more liable one, i.e. a 60/40% apportionment of liability in favour of a claimant, it may very well work out badly in financial terms, as per calculation of damages, most often both damages will be added and then divided in relation of the percentage.

That mean in clear language, the person is the less negligent, will pay quite a substantial part of the damages of the other, which will be deducted from the damages arrived on for the claimants part.

The result often seen in cases of disputes, can lead to very little compensation, but certainly it's as always, depending on the individual case. You can find more in apportionment of damages in the legal section of the RAMLA web pages.

If you are in doubt of fairness, credibility or reasonability of an apportionment other parties suggest apply, contact RAMLA for support.



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


  Material Damage suffered in a car accident   Be careful when handling your car accident claim   RAMLA car accident claim management enforcing damage compensation   Lucky you when the car accident damage is repaired



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




Insufficient compensation will cause losses and should not be accepted easily.

A sufficient offer for motor vehicle damage compensation will be, when you can repair or replace your damaged vehicle and therefore to be in the material state as before the traffic accident. Any other compensation that will not allow you being back in the same position as before, will be insufficient, and should not be accepted.

If you are involved in a car accident and not liable for the damage to pay for, you want to be awarded the full material motor car damages you suffered. You don't want to struggle and wait for compensation to repair or replace your damaged motor car for an unreasonable time.

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

RAMLA (Road accident management and Legal Action), is a specialist in material car accident management and a legal expert for damage recovery, in South Africa.



Dealing with motorist insured against 3rd party car accident damage claims, in an attempt to get compensation - and a car damage assessment has been ordered or done - by the assessor send from the insurance company; you probably receive an offer to settle the traffic accident damage claim, quiet quick, if no other obstacles or divergent statements of what had happen are in the way.

This offer will regularly be based on the findings of the vehicle damage assessment.

It is of outmost importance that you know about the content and the results of the damage assessment, to be able to verify if it is fair and correct and if you can accept such finding as a basis for compensation or not.

You should at least have gathered a repair quotation, documenting your car accident damage, before you allow the other party to do their own vehicle assessment and diagnosing your damage. In comparing both, the repair quotation and the damage assessment, you will have an indicator of the quality of the damage assessment; the other party will base any settlement onto it.

Finding noticeable differences between both of them, you should find out the reason before you accept any compensation pay-out or enter in a settlement agreement.

Important to know and keeping in mind is, that a claim that has been settled or accepted, will be closed and you cannot take any recourse if privately or as legal action, as the victim must claim his entire pecuniary loss in one action.

In a case you're dealing with an uninsured car driver, they have the same right to inspect the damages, utilising an independent expert or panel beater to do so, if they feel an inflated claim has been put forward. It may be easier dealing with an uninsured liable party in a dispute of damage value, as dealing with a motor insurance company, but as said the same rules apply.








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

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

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

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

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

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

You are welcome to utilise such valuable absolutely free inital advice. *

 
car accident in South Africa

RAMLA can be the solution in MVA matters

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

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

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

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

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

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


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

       motor car accident damage claim is complex             

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


It's so easy contacting us by email.

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

- free of charge.

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

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

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

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

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


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

in South Africa.

RAMLA can be the solution to sort out MVA problems.

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

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

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

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


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

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


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


car accident in South Africa

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

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



Losses risen out of your own contributions, such as insurance excess or lost bonus rewards, or out of other contractual obligations to abide, should be recovered from the liable party.

You may be insured comprehensively against the risk of motor car accident damage, which will cover the vehicle damages to your own property, but when claiming from your cover, if you are liable or not liable for the cause of the accident, you can face some financial contribution.

Not being the liable party, but claiming from your own comprehensive insurance cover and not from the wrongdoer, you will usually have to contribute some cash as a deduction from your pay-out, such as excess or the loss of other benefits, like bonuses etc., or you may simply face an increase in your future car insurance premiums and going the risk being downgraded in your risk profile from good to a lower grade.

Several other factors may lead to your dissatisfaction: for example, the insurance company only offers used parts to fix your car, arguing that is a condition of your policy as the car is not under guarantee anymore, and therefore used parts are suitable. As you probably have accepted such condition, according to the small print in the terms and conditions, and agreed in concluding the motor insurance contract, which may justifies their decision.

It is important to study the small print - when insurance companies offer you small premiums, probably not all the risks you may think are insured, will not be as such as there is always a relationship between premiums and cover.



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Material Damage suffered in a car accident                  Material Damage suffered in a car accident




Depreciation or diminishing of the car's market value after the proper repair of the motor vehicle involved in a road accident

Another factor, depreciation or diminishing of the car's market value, most often goes ahead with and being the result of the repair of the damaged vehicle, after impact.

Depreciation in terms of motor car values simply means, that just the fact the car has been involved in an traffic accident, despite proper and professional repair, will lead to a loss of market value - the price you will get selling the motor car - compared with the same vehicle, not have ever been damaged in a motor collision.

Certainly the degree of damages will have an impact to the amount of loss of value (depreciation). A rather small damage will not have the same effect as a serious damage would have, when selling a repaired motor vehicle and will lead the potential purchaser to critically inspect the vehicle.

Experienced car buyers (dealers) will find indicators that shows there had been some sort of repair and asking you for the reason. One should better be honest, and not just hide such impact, as if hidden it can result in a dispute later on and create other unwanted allegations with may have consequences, such as probably financial losses or even more seriously, if being regarded as offence.

In a worse case, you trust and believed having had a proper repair, but it wasn't and the car been dragged into another motor car accident later on, and persons are injured or even fatalities happen, you can face criminal charges, as you don't inform the buyer of the accident happened, while you have been in possession of the motor vehicle.

Being honest and tell the potential purchaser about the accident, most commonly they will reduce the financial offer or even get away from the intention to buy.

The amount of losses out of deprivation will be the difference to the market value a similar comparable motor car sells for, as to the lower price you will get for your car, which has been part in an accident.

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     
As an example: A top of the range Mercedes motor car, with an assessed market value of around R 700 000,00 and a calculated damage of about R 430 000,00 can be repaired economically viable. But such serious damage will certainly lead to a much lower retail value, if the accident and the dimensions of it will be revealed.

Anyhow, even smaller damages will lead to a reduction of retail value and in correlation to the price of the car sells for and may certainly be a substantial amount of loss, one will face in an attempt to sell.

It should be kept in mind, that once a settlement with the other party or the motor insurance has been agreed to and no provisions to reserve rights, if depreciation will transpire in an attempt to sell later, no compensation can be claimed, failing to exercise the right precaution within of before the settlement is concluded.

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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



read more about: Unrealistic high claim for motor car accident damage compensation against you

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 contact@ramla.co.za





Aspects and options

RAMLA membership

RAMLA membership   covers for, the benefits and services

Tasks and actions in pre-litigation periods

Specials for membership for NEW members with an 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 apportionment of damages, take matter on review to the Ombudsman, or even get matters to be judged in a court of law, should all fail to find a solution before 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 those motor car accident matters.

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




Welcome to RAMLA








 

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.

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.

Lot of those issues may not be according to valid law, and just a reaction of someone in charge don't care, not having the necessary skills or just follow a strategy to get rid of valid claims, should not be accepted.

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. It should not be the correct way and get a claimant 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 claim, if it isn't as clear what the implications are and what evidence the other party/Insurance do have, are very good to stand through, even if a summons may be served.

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 it not be so in the first place, we do all we can to improve 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.

But telling the truth, chances of success are entirely based on facts and evidence in every particular case and there cannot be any guarantee being better as proof and evidence.









 

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, 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 other 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 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 that will please most of those with an open mind to new technologies 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.









 

Should you have been through all the 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




































Towing industry . . .
     partner with RAMLA?


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

 

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

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

There is a good portion of suspicious thinking necessary.

A serious warning is therefore adequate.

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

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

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

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

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

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

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

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

Don't fall to such illegal and unethical behaviour.




  





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