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Plea for general 3rd party motor insurance in South Africa
RAMLA, an organisation specialising in the pursuit of material car accident damage claims, has some experience in managing accidents. It happens daily in South African traffic.
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RAMLA (Road accident management and Legal Action), is a specialist in material car accident management.
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As they professionally handle claims for compensation, they experience all facets of car accident disputes. Sometimes the problem is not to formulate claims successfully and to receive a positive judgement in favour of the victim who suffered the damage. It may be a bigger problem to actually get the money so that the owner of the damaged motor car can repair it.
Sometimes drivers or car owners simply avoid insurance against 3rd party damage. They may argue that the insurance often does not pay anyway.
Others simply don't want or cannot afford the premiums of the 3rd party insurance.
It is the person who suffers the damage in a car accident; however, that has the biggest discomfort and the highest risk. You can suffer great economic losses if you are involved in a car accident with someone who is not insured. This scenario can be a nightmare, and can even lead to the bankruptcy of the innocent car driver.
To avoid this risk, people often just cover their own car under comprehensive cover, which means that they have to pay the higher premiums instead of the one who is a potential danger.
The condition of the car on the road and the grade of insurance cover mostly go hand in hand. This means that the worse the car's condition, the lower the degree of insurance cover, and the bigger the risk to someone who is involved in an accident with such a person.
Like the Road Accident Fund (RAF) which takes care of the bodily injuries of accident victims, it should be a general obligation to present at least a 3rd party insurance before a car can be registered in the name of the owner. It will be a burden for the very poor, but that is not a suitable argument to take the risk of another innocent person not being compensated for possible accident damage. RAMLA believes that, if you can afford to own a car and buy petrol, you should make available the funds to pay for 3rd party insurance premiums.
But it won't help just to present an insurance cover during car registration. The insurance cover must be valid and paid up to date at all times while a car participates in public traffic.
It should be a serious offence to travel with an uninsured car.
It would be to the benefit of all motorists to support the implementation efforts and motivate politicians and government to establish such obligations.
Nevertheless, it is RAMLA's experience that, even if you have sufficient insurance cover, it will not always be easy to receive compensation for damage. But there will be a reasonable chance to enforce it.
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Nationwide Claim Service
SMS RAMLA to 076 770 3179
and we call you, or send an
e-mail contact.ramla@gmail.com
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