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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.
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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.
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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.
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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Comprehensive Insurance Claim decline, as a result of Investigations or expert Assessment
Investigations in Motor car accident circumstances are early warning signs of a risk getting the claim declined.
Early consultation with a knowledgeable firm or person, for the correct advice is of key importance.
As to our (RAMLA - Road Accident Management & Legal Action) experience, most Insurance clients reporting a comprehensive claim to the Insurer, in expectation of settlement, come too late for advice to avoid those mistakes that could have been avoided, if one have had known better.
It can be called the start of investigations when the damage assessor askes for interviews, cell phone records and allowances to check such, or looking for other allowances to check medical records, hospital reports etc., check for surveillance camera footage or investigations to reconstruction circumstances, accident scene visits and more other not as frequently matters.
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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
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The purpose is to enable the Insurer to evaluate the claim, merits and level of cover, to make a decision about acceptance or decline of a claim, due to the results of those investigations.
Should the Insurer decide declining the claim, based on the investigation results, the insurance client should look onto the details and in many cases it will need professional support and experience to challenge such declines.
A claim decline (comprehensive cover) can be challenged in a formal dispute with the complaint department or dispute solution level initially. Should the dispute not be resolved, there will be the possibility to review matters with the Ombudsman of the Short Term Insurance (OSTI) for review.
If that will even not bring satisfactory results, matters can be escalated to a court of law, which is known to be unbiased and as fair as possible and do have all those powers to get to the bottom of all issues, the Ombudsman don't have, which may have the result getting the claim paid, if such review by a court will end up in favour of the claimant.
More to this issue - follow the link or scroll down
The outmost important and frequent on-going issues, a claim with or against South African Motor Insurance Cover can come with, are listed below for further selection to check upon in more detail.
Your specialised expert to sort out MVA matters
Professional - competent - swift - decisive and affordable
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Other headlines on other pages to the issues concerned
Investigation in the circumstances of a Motor Insurance claim, an insured should be on high alert
Claim against own comprehensive motor insurance policy
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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. *
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| RAMLA can be the solution in MVA matters
Do you know that RAMLA is a specialised expert in handling and enforcing or defending all kind of MVA (motor vehicle accident) matters, pursuing motor car accident compensation claims, Insurance dispute resolutions, for its clients - effective - professional - decisive and resolute, to best and affordable fees.
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As you probably have recognised on our comprehensive web information platform, we do know what we are taking about.
We do invite anyone in South Africa, facing an MVA (motor vehicle accident) problem, to contact us for a first - free - analyse of your particular matter and get initial advice how to proceed.
As a specialist in traffic accident recovery actions, we act for clients/members in the relevant manner, but based on a paid mandate or membership, if a need of practical support arises.
We do offer a free first advice, to determinate your case and give you a direction how and what may be the way forward, in order to build confidence with a potential client.
As professional specialists, in charge of acting in motor accident damage claims in South Africa, we offer a well performing, decisive and demanding claim pursuit, at affordable fees.
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.
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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 ramla@ramla.co.za for a free first analyse and advice.
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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.
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More details to: Investigations into the accident circumstances, Expert Assessing - Investigations - Interviews
Once an insurance claim does show some irregularities, the Insurer may choose an Expert looking into the circumstances, critically.
There are a number of aspects that an Expert can be used for to check, analyse and recommend to the Insurer if a claim may be entertained or declined.
Some of those common issues can be:
Breach of the Terms and Conditions regulating the contract
Suspected Intoxication, either Alcohol or medical/drug influence
Speeding and/or not abiding to the Rules of the Road, not abiding to road signs, such as traffic lights at Robot controlled sections, Stop sections, not having done all possible to avoid a collision, the reports made to the Insurer in the claim application and/or comparing other reports or statements given, in order to find arguments to allege dishonesty, or looking into roadworthiness of the vehicle etc.
All those issues can lead to a claim decline in terms of a comprehensive insurance cover.
For a 3rd party claim however, only the law applies, and no regard should be given to terms and conditions.
Early warning signs a claim can go wrong are those indicaters
Every kind of request for a meeting and/or interview with an Assessor, or supply of special documentation, allowances to check cell phone records or to be provided with medical examination results, are early warning signs.
A claimant should know before, what he will have to say and what others may say, when interviewed as well. It should be noticed, that those interviews are recorded and the content examined in detail and compared with other statements or evidence.
Any inconsistence can lead to a claim decline.
Unfortunately too many are looking for support from experts in motor vehicle accident compensation matters, far too late, causing sometimes avoidable inconsistences and unwanted results, which needs to be challenged later on, if a claim decline isn't acceptable.
Should you feel there is a need to have other experts on your side in order to come up with your rights, why not choose contacting us? RAMLA is a specialised expert in all such issues.
Contesting any claim decline is a challenge and need intuitions as RAMLA to get through the processes in attempts to solve matters successfully. In order to alter a decline and not forced to go initially to a court of law, is the objective and can only be realised with intimate knowledge of the entire matter.
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Contesting any claim decline is a challenge and need intuitions as RAMLA to get through the processes in attempts to solve matters successfully. In order to alter a decline not forced to go initially to a court of law, is the objective and can only be realised with intimate knowledge of the entire matter.
Every argument of a decline can be rebutted on facts.
The issue is that the rebuttal is competent. A claim rejected by an Insurer in terms of comprehensive cover can be challenged in dispute resolution and if not fruitful in a review of the Ombudsman of Short term Insurance, before unresolved issues must be taken to a court of law.
The Ombudsman most often rely on the Insurers presentation and it needs knowledge and sometimes rebuttable expertise to get matters altered.
It must be known, that the Ombudsman's offices and functions are a creation of the insurance industry, funded by them as an arbitrarily instance to solve disputes between the Insured and the Insurance company, to look into the merits of the arguments of both sides.
Thereafter the Ombudsman will make a decision, not always as expected in favour of the applicant for reviewing the decline. The Ombudsman's ruling is arbitrarily binding for the Insurer, but not for the applicant. The applicant can still challenge the issue in a court of law, that is absolutely unbiased and does have more powers to look into all aspects of the matter, can hear witnesses and have the law applied, meaning the judge/magistrate will measure all facts against the law, in regard what the law say and means. The Ombudsman doesn't have all those powers.
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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RAMLA will be your one-stop car accident claim service in South Africa
contact us for support in recovery of your MVA damages
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A declined claim, based on Investigation or expert assessing, is a challenging matter. If a claim is in jeopardy it is a general challenge, but this type is the outmost critical one and needs a lot of experience to rebut those insurance admins actions against an insured.
One must keep in mind, that the insurance admin deals with such every day and have a proper knowledge and instructions how to work on types of files, as a claimant having an insurance dispute all some years, do generally not have any intimate knowledge of the challenges.
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Showcase your business
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:
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
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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