Suing another for MVA damages or defending agains claims, is our daily business, in South Africa.

Welcome to RAMLA



RAMLA - car accident damage claim service South Africa
Motor vehicle accident damage claim enforcement
- defence against inflated or unreasonable claims
- Motor Insurance disputes - claim declines


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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



We are car accident damage compensation recovery specialists

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

    Legal Issues 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.

Our highly skilled and experienced team of experts work decisive, swift and economically affordable, to solve car accident issues.

Select issues of interest by keyword search



      car accident in South Africa






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  Claim Information      Damage Assessment      Legal Information      Repair Service      Insurance Matters      Claim Collections      Downloads     Mandate Terms & Conditions      Contact        Job        Press        Company    


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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Issues of legal interest



  More Issues of high interest

 

Free accident fact check

Elementary Traffic Duties / Rules


  Defending against a legal claim

   Negligence, Causation, Culpa



Risks and Chances
in a compensation claim


Documentation needed
preparing a claim


       Evidence - Facts - Merits

Calculating the Value
of damages

Acknowledgement of Liability
Settlement Agreements

   Quantum of Liability -          Apportionment
Dispute Reselution



Liability of Car Owner
and Vicarious Liability


Employed Car Driver
and Vicarious Liability
Employer and Employee




Expert Witness
in a dispute of facts

Accident Witness and Testimony

Affidavit - Commissioner of Oath

   RAMLA legal in-house service




The right attorney
Specialized Attorneys
How Attorney claims
Attorney Costs
Attorney Tariffs



Find a local Lawyer
Become a network lawyer


Other Issues in the Sector of:

Towing
Damage Assessment
Legal Service
Insurance Matters
Claim Collection Service
Repair Service





Free accident fact check



If you are involved in a car accident in South Africa and like to know what to do, please read more.

face the challenge - Let's Claim













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.







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 offer You:

Free initial claim evaluation


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

       
 




The South African law in a motor car accident damage claim . . .

stipulates, a motorist that negligently and wrongfully hit another motor car, causing the traffic accident, must compensate the other victims for damages to the vehicle or property, to the extent and state as the vehicles condition has been, before the vehicle accident.


If you are involved in a car accident in South Africa and like to know what to do, please read more.
The procedures to be followed, demanding and enforcing car accident compensation, are commonly known as 3rd party claim, in South Africa.

Once accident matters or circumstances are analysed the case will be prepared, demanded and pursuit.

One of the main obstacles in a vehicle accident damage compensation claim obviously will be the matter of possible disputes.

Talking about the law, regarding solving differences that accrues from material car accident damages, the source is the common law of South Africa, the applicable traffic legislation and the developed schemes applied in a court of law over time, solving civil differences.

Additionally there is the National Traffic Act, 1996 stipulating some essentials applicable to motor car accidents occured in public traffic.


Solutions to car accidents in South Africa


The initial obligations burden on any motorists if involved in a traffic accident on public roads are outlined in the National Traffic Act, 1996 at section 61. (1) - Source Government of South Africa.

This section tells you what the participants at least have to do when ever tangled by a car accident, as to report the accident, exchange personal data etc.

Enforcing of your material compensation will be a matter according to common/civil law.

It will be of high advantage to have someone on side, knowing the law and the wide ranging implications applying in motor accident disputes, being able to follow the procedures and solve the compensation claim positively.

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car accident in South Africa



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car accident in South Africa

When does it make sense claiming for motor car damage compensation?

1. To all times, if it's regarded as a principle, not let getting the perpetrator away who harms another, without consequences. This implies the question of economic matters is secondary to the principle.

2. If a claim exceed a certain amount in relation to cost for demand and pursuit of the matter and the claimant will not be able doing it in own capacity, but prepared spending a smaller portion of compensation, which may be lost entirely, if no action will be taken.

In figures it may imply that no claim for car accident damages, less than for the compensation of R 10 000.00 will vindicate any external claim support, coming with costs. A claim below R 18 000.00 can be directed to the small claims courts, which proceeds matters relatively quick and very affordable, but need the participation of the claimant.

A claim higher than the threshold for the small claims court, above R 20 000.00 very well deserves an enforcement, at least before matters eventually needs to be taken to a court of law.

Any damages higher than R 60 000.00 or any shortfall in motor insurance offers in this range, should be taken on, to all times.
car accident in South Africa
RAMLA - Road accident management & Legal Action, does offer a very competitive if not unbeaten claim service, acting for the recovery of car accident damages, in South Africa.

We do offer a low flat rate as once off fee, which covers all we do in pre-litigation, starting with case evaluation, preparation, demand and pursuit.

If a matter cannot be solved before legal actions in a court of law in the country, RAMLA takes the matter further, to the lowest costs available in the court schemes, which effectively means, if a case is won, all or most of those costs will be recoverable and recuperated from the liable party.

That in fact means, a RAMLA client just deposits the estimate expenses and once costs are taxed and enforced, such will be paid back to the client.

Its definitely one of the best claim options we do know on offer in South Africa and if all will be as predicted, the matter has been pursuit nearly free of costs.



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RAMLA offers you full legal support and additional claim preparation measures.

RAMLA legal support in car accident claims - South Africa
 
 

Your 1 stop motor accident damage recovery specialist in South Africa

RAMLA legal support in car accident claims - South Africa

to favourable conditions, supporting your own claim actions, or full service pursuit, in a case recovering damages, before - pre litigation - and in action's in a South African court of law.

 




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


We do have the expertise and know how to act for you.

Experience exceptional service, testified by clients, even after hours or weekends, giving you a peace of mind your case is taken care off, no matter what.




car accident in South Africa  

Your specialised legal expert to sort out MVA matters

                  Professional - competent - swift - decisive and affordable


RAMLA   -  Road Accident Management & Legal Action


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Solution's solving MVA problems


Courts in South Africa dealing with Motor Vehicle Accident compensation actions South Africa (RSA)

Case Law applicable in car accident compensation action as precedent



Selecting or Identifying the correct Courts or jurisdictions in South Africa dealing with Motor Vehicle Accident compensation matters, are one first step to go before legal action can take place

Sorry we are working here to update

RAMLA has developed a special service option for you to get support and get through the process, for a very affordable service fee.

Any damages amounting to more than R18 000 to claim for, has to be directed to the magistrate court of jurisdiction, if no private (out of court) settlement can be achieved. Court action in South Africa always comes with costs. Unfortunately some of those costs cannot be recuperated, even if one wins the claim in a court of law, completely.

The cheapest way to go forward with your claim can be, you yourself take action against the liable party. That can be a challenge, yes - but you can utilise the RAMLA service offer to support your own claim, for very reasonable low costs.

So you can go forward and don't just need to accept losses.

If your damage is not exceeding the R 18 000 threshold, you should go the way to the small claims court. This is very effective and much quicker than any other way to claim.

Given your claim value will be higher than R 18 000, the magistrate court level apply, except of very high claim values to be addressed in High Courts.

Claims for more than R 400 000 must be directed to the high courts, and this means you need High Court legal representation to pursuit your claim.

Those legal costs arise, if you need to mandate an attorney and/or advocate, as those fees are most often not cheap. Furthermore the time to get a claim heard and decided about in the high court, are not of short term nature.

When should a Dispute Resolution and Mitigation a claim for motor car accident compensation, in South Africa, should be considered?

Disputes in motor car accident compensation claims are not unusual and must be solved, either privately between the parties or in a South African court of law.

The outmost best solution in traffic accident disputes will be, in the private process, within the pre-litigation phase, avoiding legal actions in a court of law, if possible.

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 said many times, the merits in a claim for recovery of financial losses, regarding car accident damages, are the only facts that matters. The only interpretable, but certainly important point will be the question of negligence and causation. All other matters are obvious and based on facts.

The scene of the accident can be investigated and objectively presented as well as the damages to vehicles and/or property can be unbiased calculated.

Dealing with the question, when it will be opportune entering into a dispute resolution, will be if the financial differences are rather smaller than greater, as the risks in proceeding legal actions in a court of law, must always be looked on, in a decision.

Further is may be advisable, if the arguments differ slightly about negligence and causation, overcoming such differences by compromising.

Dispute resolution should not be preferred, if the facts, merits and determination of negligence and causation are strongly in favour for a claimant.

Having a strong case, means no immediate need for any sort of compromises, once the differences and possible shortfalls in compensation are significant.

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

                  Professional - competent - swift - decisive and affordable






Courts dealing with motor accident damage compensation - in South Africa RSA

Courts of Law's in South Africa


Case Law applicable to car accident matters South Africa


We are working hereto update


Ombudsman (OSTI) for short term insurance






Headlines and Issues on this page


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Motor Car Accident, in South Africa?
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 a short circle of time.


For best results contact us by email initially, give us an idea of the incident, attach one or two pictures 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 repudiation letter, of give us the reason for the rejection and name the Insurance Company.

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

Your are very welcome to utilise such valuable absolutely free initial 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 explaining 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 once you got our feedback.

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.






* please note that a practical claim pursuit will not be free of charge and comes with a paid mandate, but at reasonable and affordable fees, however take the chance to get initial free advice.


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 a specialised legal expert in material car accident damage claims,

filing, demanding, enforcing compensation actions, supporting disputes in dispute resolution actions, with Motor Insurance Companies, or its Agents, work in Ombudsman's (OSTI) 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 a car accident compensation claim, starting with a comprehensive claim preparation and subsequent legal action to enforce fair compensation or defend against inflated or unrealistic recovery actions, all the way up to a court case, if no solution can be found in pre-litigation.





Courts of Law to approach to decide car accident compensation matters

There is a variety of courts and its juridsiction as well as level of instances in South Africa

Sorry we are working here to update

We talking disputes, in an action for recovery of damages caused in a traffic accident, once the positions of the parties involved differs. This can be on the matter of liability (negligence - causation) or damage evaluation (destruction to property or motor vehicle).

The claimant, the person or organisation, company etc. that sue another party in the traffic accident recovery action for damages, present the case in a demand to the other or more parties.

Once the demand is served, the other study and hopefully reply, explaining their point of view and deny or accept or just partly accept the damages claimed for.

Given the other party presents a different story of the true cause or circumstances of the car accident, these arguments should be seriously studied and thereafter replied to. It will be not helpful, just saying the others presentation of the matter will be wrong.

Confronting the other party with the facts, documenting the allegations, will be much better.

If the defendant, the person not accepting the claim, will insist the case cannot be accepted as demanded, it should be evaluated if a compromise and to what extend such compromise can be reached.

Given the claimant have a strong case, and the merits are clearly in his favour, the option will be taking the matter forward. The only way, once negotiations finding a compromise fails, is to take the recovery case to a court of law by taking legal actions.

In a suit of law, the judge or magistrate will analyse the plea made by both parties in a hearing. Evidence presented and witnesses heard, will finally lead the court making decisions on the matter.

Depending on the outcome further actions, enforcing payment are available to the parties.



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



Case Law applicable to car accident matters - South Africa

Sorry we are working here to udate!

Dealing and resolving a dispute with South African motor insurance companies are daily tasks for professionals, working in the sector of car accident compensation claims.

Disputes with motor insurers can emanate in 3rd party claims, or even most commonly, resulting from declines in comprehensive insurance cover matters. Once a claim is launched with them, reactions can be expected and those mustn't be always a pleasure for everybody.

Third party claim:

A third party claim will be instituted, if an uninsured, or a claimant don't want utilising own comprehensive cover, demand damage compensation, from a 2nd party, the deemed liable motorist, who is covered against car accident damages caused by him/her, through a valid and active motor insurance policy.

The insurance admin will ask for certain information, to be provided by the claimant. Thereafter the documents will be checked against the accident report, the insured has given. Finding controversial statements, or suspecting liability at the 3rd party's side, they will inform the claimant about the analyses and whether or not they entertain the claim, on behalf of the insured and to which extent.

More often than not, a vehicle damage assessment will be undertaken and if different to the damage repair quotation received from the claimant, the results of the assessment will be taken into account for dealings.

In both of those matters (evidence and damages), differences can come to light. The insurance may argue, the fault is not caused by the insured motorist, but concluded in full or partly by the claimant.

Once the damage is calculated by an assessor in charge for the insurer, this result will count for them, in the first place. Differences typically occur, once the damages to the vehicle are as severe, that it must be categorized beyond repair or called write off. Differences can arise out of several factors, unsatisfactory for the claimant, such as the market value or pre collision value, the calculation of the damages, post collision value (salvage) and the disposal of the salvage or the "scraped" vehicle.

Everybody needs engaging with them, either by the support of professionals or themselves, in an attempt solving the differences, i.e. presenting more evidence or correct the insured version of how all unfolded. In cases of differences in the calculation of the damages, it sometimes needs another expert to rebut the finding of the insurance assessment.

Some insurance companies maintain an own dispute resolution department, meaning an self-created instance to look onto a dispute from a more sophisticated and experiences level, than that of the insurance claim admin.

But, finding a solution with the 3rd party insurer will not always be easy and needs intense efforts, getting there.

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car accident in South Africa      car accident in South Africa



Escalation of disputes and the way forward resolving or taking matters to a court of law

Escalation will follow an unsuccessful process of dispute resolution, once the position or offer from the other party in a motor accident or an insurance company on behalf of him/her, is not acceptable for the claimant.

Certainly it needs looking on the evidence at hand and once satisfied that the facts are good enough, backing the case in the next level, a court of law, and having a strong case, no other avenue as initialise legal actions in a court, will be the solution.

Taking the matter to a court of law is a process and explained on other web pages on the comprehensive RAMLA web site. A lot of cases do have the potential, successfully pursuit in the court of law where an independent judge will be in charge and can exercise a number of actions, evaluating the matter before judgement.

Making the decision, going the legal route, should not be influenced just knowing the insurance company will act on behalf on the insured, having lot of potential and financial resources, rather than looking on the evidence. Evidence is the measure for a decision taking the matter forward.



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Ombudaman OSTI logo - South Africa      motor car accident dispute South Africa



Jurisdiction and powers of the Ombudsman (OSTI) for short term insurance

The institution of the Ombudsman for short term insurance (OSTI) is a forum for dispute resolution, created by the insurance industry, in order solving differences, coming from disputes in an South African insurance claim.

Who can get the matter for dispute resolution before the Ombudsman (OSTI)?

The insurance industry created the forum as an independent instance, help settling dispute between the insurance company and its insured client. The Ombudsman can only hear and rule cases based on a contractual relationship between insured and insurer. No other can utilise the Ombudsman, other than an insured against the insurance company he is covered with under the particular claim.

Only an insured client can approach the OSTI for dispute resolution against the own insurer.

The Ombudsman don't have jurisdiction, serving any other claimant, looking for dispute resolution against another party.

The insurance companies voluntarily accept the rulings of the Ombudsman.

An insured client, brought the disputed matter to the Ombudsman, must not accept the ruling and can further approach a court of law, for final judgement.

What kind of matter can the Ombudsman resolve?

The Ombudsman for short term insurance OSTI takes cases, where an insured is not happy with the decision his own insurance company has made, in the particular claim.

He will look into the decision, based on his experience and knowledge and according to the terms & condition of the individual motor insurance policy, if the decision made by the insurance company will be covered by breaches of terms, or if the decline has been reasonable, according to the facts presented.

The Ombudsman have only limited power and cannot investigate a case, hearing witness or ordering assessments etc., as a court of law can do. Its rulings are merely based on controlling breaches of terms or reasonability of declines. Once the case will have collision of facts, the Ombudsman cannot rule, as to the lack of power to investigate.

For example, the Ombudsman can rule on a matter, where the question of speeding lead to a decline of cover, meaning the insurance company claims unreasonable behaviour. The question will be what will be reasonable, declining a matter. Must a certain excessive speed lead to a decline or has the particular speed in this matter not been a reason declining a claim.

An insured against motor accident damages caused by him, to another or himself, can expect a reasonable cover, even if his driving found negligent, but just speeding over the limit, will not allow denying insurance cover easily.

The Ombudsman cannot rule on a case, where the facts colliding, i.e. the motor insurance assessor comes to the conclusion that the vehicles claimed to be involved, cannot been part in the same accident, due to destruction.

But the insured claims, that it has indeed been that both those vehicle had been part in the particular traffic accident, and provide a contra expert examination proving, that it could be both motor vehicles indeed has been involved in this particular car accident and the damages looked into more in detail, by stripping parts etc., explicitly allows the conclusion it has been.

As the Ombudsman has no power to investigate, it's impossible for them to decide in cases such as collision of facts.







RAMLA - Road Accident Management & Legal Action



car accident in South Africa

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

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

Contact us NOW

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




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Submit your accident documentation for initial review by RAMLA claim service, and receive comments and recommendations, absolutely free.

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Nationwide RAMLA Claim Service
SMS your problem to RAMLA Cell

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





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







 
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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








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