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.
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.
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.
There are lots of terms on what reasons South African motor insurance companies reject, deny or repudiate to attend a damage claim.
Firstly seen, there are arguments citing a breach of the insurance terms, meaning the car insurance company tells you, that you failed to comply with one or another term of your policy duties. A breach of the motor insurance policy terms you can be accused of are, dishonesty or short payments, negligent behaviour that you violate the rules of the road by telephoning as driving, being under the influence of alcohol while driving, or having an not roadworthy vehicle illegally on the road, up to the argument that you are not a legitimate driver, or did not disclose that the vehicle is relocated from the area of your residence to another for a longer period of time and unfortunately much more.
They say you have withheld them the opportunity to calculate the risk insured with you to the true circumstances and therefore reject the claim.
Facing an insurance dispute with a motor insurance and having the claim dismissed, which is an easy way for the car insurance claim negotiator in honouring his task to reduce compensation claims to the absolute minimum, by rejecting a claim at all, if there is the slightest possibility to do so.
We don't say that this is what you always need to expect from your insurance company, but as soon you are classified as a more severe risk, resulting out of claims before, it will be more likely facing them to get away from your new claim. A so called - good risk - if you did not claim before but paid the premiums for some time, will make the insurance company to be more generous not to look into all they probably can do, not to lose you as you are still deemed an acceptable risk.
Other car insurance problems that may lead to a dispute can easily be caused by the motor vehicle damage assessment. If the findings of the damage and stated in the assessment report are not correct, you need to oppose and combat the stated outcome. Most often the insurance company take the - often party friendly - findings of a vehicle assessment as basis for any settlement offer and frequently even reduce such numbers stated in the assessment report by standard approaches to certain percentages etc.
Luckily you don't need to accept all your or the insurance company of a 3rd party tells you, but you need to be prepared to repudiate the arguments brought forward and proof them wrong.
RAMLA handled lots of such claims for clients/members to be compensated full and fair.
Only a part of those insurance claim disputes are referred to the RSA ombudsman for short term insurance.
As the ombudsman can only deal with car insurance claims that arise out of a contractual - motor insurance policy - dispute between the insurance company and the insured and is not dealing with 3rd party insurance claims.
Due to a release from the ombudsmen's office, hundreds of claim disputes are coming in daily and times to attend an individual complaint became longer and longer. The same publication confirms that the ombudsman's office is understaffed to deal with the rising numbers of insurance claim disputes.
A noticeable number of motor insurance disputes cannot be dealt with by the ombudsman. These are the 3rd party claims where the victim claims from the perpetrator.
Any dispute that derives from a car accident claim against the liable party and/or the motor insurance company on behalf of the insured, to compensate the motor vehicle accident damages must be dealt with in the appropriate manner and according to the law applicable.
If your case will be one of those where the motor insurance company reject, deny or do not offer fair and full motor accident compensation, you should enter into a dispute resolution with the motor insurance company. But don't expect too much. It will be a hard and you need to be persistent.
This is by far not an amicable claim. Most differences with a South African motor insurance company are based on the findings of the motor insurance vehicle damage assessment. Lot of those party friendly damage assessments are not acceptable for the victim of an accident and can be caused on a number of issues dealt with in the motor vehicle damage assessment report.
If you find yourself in such a case, you should not hesitate to look for experienced support as it will be not a walk in the park to finally get the motor insurance pay what is fair and correct.
To our experience the insurance claim negotiator or whatever the tittle will be, may be stubborn insisting on the position he is directed to follow, even if very obviously being wrong, the tactic is that you simply give up to end the saga and cut your losses.
But is that really the way to go, accepting a significant shortfall of compensation only to end the story?
You can always consider mandating RAMLA with your motor insurance claim dispute, for professional, effective and economically very favourite conditions.
Insurance companies offer you motor car insurance cover, to take over the risk for car accident damage compensation payments, when the insured is involved in a motor car crash.
When a motorist must compensate a 3rd party for auto accident damages or have to repair own vehicle damage, the insured can claim from his/her insurance policy according to the individual schedule.
There are a lot of different insurance companies in South Africa and all offering a variety of insurance cover, thought to different terms and condition in specified insurance tariffs.
Watching the insurance company's adverts offering its insurance cover, one must be under the impression that nothing is easier, cheaper and more favourable, as to have motor car insurance.
Indeed motor car insurance is a very useful tool, but the insured must be on alert all the time to keep all records up to date and always have the premiums paid in time.
Motor Vehicle Accident
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.
Lot of problems may arise, if you give your insurance company a reason to decline or reject a claim, despite you paid all up to date trust to be on the safe side if any car accident claim comes your way.
A variety of reasons for an insurance company, most often are based on those terms and conditions you agreed upon, when you are not taking the small and seemingly unimportant things serious and comply to all times.
For example, if you fail to inform your insurance company of the relevant regular driver, there will a high possibility that your claim may be rejected on such argument.
It will be good for you, if you try to have proof of what and when you submit something relevant to your insurance company.
Ombudsman for short term insurance OSTI to review an Insurance decline or insufficient settlement offer
The office of the Ombudsman for short term insurance, (OSTI) is an arbitrary instance, created by the Insurance Industry to review matters of dispute, before escalation to a court of law, to avoid an independent trial and judgement.
It must be understood that this subjective instance can only serve matters that emanates from a dispute within the insurance contract terms and circumstances, between client and insurer.
A 3rd party claimant cannot utilise the instance of the Ombudsman, for those reasons as his/her issue doesn't come from such policy background.
|| 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
An Ombudsman review can take place, after a claim has been decided by the insurer and isn't satisfying or acceptable for the insurance client.
After an application process, arguments will be exchanged and the Ombudsman will eventually make a ruling/decision as he see fit, taken from the evidence, given to him by both the parties.
It isn't a rare occasion that the Ombudsman will uphold and support the Insurer's decision, commonly not because the applicant is totally wrong, but generally in terms of lack in presented rebuttable evidence. There has been a tendency noted that the Ombudsman give more credit to those evidence provided by the Insurer than to those of the applicant, which may well be to the reason mentioned above, weak rebuttal.
The process of review with the Ombudsman is free of charge, but take time and efforts to cope and will not be a short term matter. The average time for the review may well be about 6 month or more, depending on the issue and evidence.
An applicant or claimant, disappointed with the decision of the insurer, should however know or be conscious off, that the Insurance do handle such matters on a daily basis, while the applicant may face such process the first time and don't have ample experience in such matters.
Not knowing the process and the necessary steps to rebut the evidence, an applicant is disadvantaged from the start of the review. It will therefore be advisable to make up the mind, if it will be worth appointing a knowledgeable representative to take matter in experienced hands.
RAMLA (Road Accident Management & Legal Action) pursue such matters for clients and does have ample experience to handle such cases, whereby not all local attorneys do have such special experiences in regard to the Ombudsman review process. The RAMLA service offer is affordable and well worth consider, before risking a full decline, which can only be challenged in an action in a court of law, which will take even longer and will be far more expensive.
|| RAMLA is a specialised expert in all MVA matters, claims, disputes (3rd party / comprehensive Insurance cover) and defensive actions against unreasonable or inflated claims, professional - affordable. Contact RAMLA for your support to have a damage claim paid or defenced. Contact
The decision or ruling the Ombudsman does, cannot be challenged in an arbitrarily manner, but in a court of law. The Insurer has accepted to be bound by the decision according the Ombudsman's ruling and cannot challenge the matter. They however can defend matters, once a disappointed client takes matters to the level of a court.
A well performed OSTI review may help to prepare and pursue a matter in a court of law, more precisely and successful, as to the knowledge of the argumentation the Insurer take and having regard of the supporting evidence, in order to present substantial rebutting factual evidence in the court process.
In other words, the knowledgeable pursuit of a matter in review with the Ombudsman is always of benefit, especially in cases not solved to satisfaction, but with intention to challenge in a higher and more independent and powerful instance, the court of law.
It must be emphasised, that the powers of the Ombudsman are limited and commonly ends with the comparison and extract out of the arguments exchanged. The Ombudsman cannot interfere to be practically involved to find out what will be the truth of the matter, as the mandate is limited.
The Ombudsman cannot hear witnesses, scrutinise expert findings in its essence, cross examine and so forth, but a court of law can and the legal representative to the support of the plaintiff will be able to challenge the other parties' evidence and statements.
Your specialised expert to sort out MVA matters
Professional - competent - swift - decisive and affordable
Ombudsman for short term insurance OSTI to review an Insurance decline or insufficient settlement offer
Claim against own comprehensive motor insurance policy
Declining or apportioning a claim for motor vehicle or car accident damages is just too easy. Any such decline or other disputes about the cause and liability for the traffic accident, may cause some problems to sort out. RAMLA is a specialised expert for MVA solutions sorting out or resolve problems which ever type they may be.
You are welcome to RAMLA. Login on to a web page and looking for information's how South African motor insurance companies act, indicates that you do have a problem already, with one of those companies.
Differences or disputes can arise easily and may be based on a lot of different aspects or factors.
Sometimes a compensation claim, to get your car accident damage paid for, may get alone smoothly and without hassles, but certainly a high number of disputes with South African insurance companies, arise on a day to day basis.
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. *
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.
As you probably have recognised on our comprehensive web information platform, we do know what we are taking about.
We do invite anyone in South Africa, facing an MVA (motor vehicle accident) problem, to contact us for a first - free - analyse of your particular matter and get initial advice how to proceed.
As a specialist in traffic accident recovery actions, we act for clients/members in the relevant manner, but based on a paid mandate or membership, if a need of practical support arises.
We do offer a free first advice, to determinate your case and give you a direction how and what may be the way forward, in order to build confidence with a potential client.
As professional specialists, in charge of acting in motor accident damage claims in South Africa, we offer a well performing, decisive and demanding claim pursuit, at affordable fees.
It's so easy contacting us by email.
The effective way will be sending an email containing the nature, damage and problems detected. Once sent through to us, we will study the matter and after analysing the facts, we get back to you by email (most commonly within about 3 hours), with the result and advice,
- free of charge.
If you like to explain your problem to our claim manager on duty, you are welcome to contact us by phone for an initial briefing on cell 076 770 3179 (standard rates apply).
For best results: dont't just call, once you took notice of the opportunity!
First think what you like to get accross, best file it as email and call therafter.
For reasons to convince you not just calling immediately, please follow: how to contact RAMLA successfully.
It will be much more effective; if we do get a briefing of the matter via email, before a telephone call, so we will be prepared answering your questions.
Car accident compensation claims for damages, may cause some headache,
in South Africa.
RAMLA can be the solution to sort out MVA problems.
Not everything in a compensation action goes smooth and the way wanted, as we are confronted with numerous possible challenges.
RAMLA is a specialised expert in material car accident damage claims,
demanding, enforcing compensation actions, supporting disputes with Motor Insurance Companies or its agents, work in Ombudsman's review cases, or defend a motorist against unreasonable or inflated compensation claims.
Contact RAMLA to analyse your case, and get a free opinion where you stand and what to do next. You can contact RAMLA 7/24 and receive a response soon.
It's so easy, just e mail your story and attach what you got to make the RAMLA claim manager understand your problem.
Just draft a brief report of what had happen and send it (use this mail link) to RAMLA for free analyses and you will receive a reply soon.
Contact us now and let us know how we can help you?
email us your story and details to email@example.com 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.
Motor car insurance will at least give you some sort of security, but still entails a lot of factors to look on, for both claimant and insured
Motor insurance cover is a good thing to have, driving in public traffic. As we all know, a motor accident can occur anytime almost unexpected and comes with damages and hassles.
There are two major protection solutions in the market to safeguard a motorist against losses emanating from an auto accident. The one will be a 3rd party insurance cover, meaning that this cover can pay for damages you inflict to another party and being liable for the compensation.
The other option is a comprehensive motor insurance cover that protects even your own property, in case the other party does not pay, or even if you damage your vehicle without hurting another, but not intentionally triggered the damages.
There may be another benefit when you are properly insured, as most of the South African motor insurance companies take over a lot or all the work to sort out the compensation matter.
But unfortunately, by far not all motor insurance compensation claims ends up to the satisfaction of all and a lot of room for argumentation and/or denying claims are at stake, every single day.
The fact that even a high number of disputes, between clients and your own insurance company exists, can be drawn from the messages launched by the ombudsman for short term insurance (OSTI) offices, that daily some hundred claims reaches his offices, in need of review of decisions made by your comprehensive insurance company, you don't want to accept.
RAMLA (Road Accident Management & Legal Action) is a specialist to solute any kind of motor accident damage problems, in South Africa.
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You found the RAMLA web pages by research for answers as you probably do have any kind of problems with motor car accidents in South Africa. The comprehensive web offer will give you a lot of inside and you should look on the Keyword Search for the selection of the topping you want to know about.
Let me say, that dealing with road accident compensation matters is not always easy and it can be of advantage for you to get active RAMLA claim support to sort out what is on stake, professional decisive, convenient and most affordable.
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If your business operates in tangling industries to motor car accidents and you like to have exposure on the RAMLA web pages in this column, simply contact us with your request.
RAMLA further offers a link exchange, if we mutually agree that it will be a benefit.
RAMLA Expert Partnership
Become a local partner of our Nationwide Network of experts in adjacent industries, such as:
Panel beater or auto
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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
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Towing any vehicle to safety, after a traffic accident, will be ideal to promote RAMLA highly economical and outstanding claim service to enable the party to claim or defend for material motor car damage compensation, and take part in RAMLA rewards program.
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. In 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.
The content of the RAMLA web pages has been put together with outmost care and will be improved constantly. The information given is designed as information platform to solve motor car accidents problems in South Africa.
Any advice taken from the web pages or drawn from a free first analyse of your individual case, does not constitute any legal advice.
RAMLA cannot be held liable for any damages on whatever reasons out of the above, if the information given will be wrong, incomplete or misinterpreted.
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