The Road Accident Fund (RAF) is a public entity in South Africa that provides compensation to victims of road accidents. Understanding how the RAF operates and the procedures for lodging a claim is essential for anyone seeking compensation after a motor vehicle accident.

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What Is the Road Accident Fund (RAF)?

The RAF is a state-supported insurance fund established to offer indemnity insurance to drivers and personal injury and death insurance to victims of motor vehicle accidents within South Africa. It ensures that individuals injured or the dependents of those killed in road accidents receive financial compensation, regardless of whether the victim was a driver, passenger, pedestrian, cyclist, or motorcyclist, provided they were not solely responsible for the accident.

Who Can Claim from the Road Accident Fund?

Eligible claimants include:

Injured Individuals: Drivers, passengers, pedestrians, cyclists, and motorcyclists injured in an accident they did not solely cause.
Dependents of Deceased Victims: Family members who depended on the income of a person killed in a road accident.
Close Relatives: Individuals who paid for the funeral expenses of someone deceased due to a road accident.

It’s important to note that if you were the driver and owner of the vehicle solely responsible for the accident, you are not eligible to claim from the RAF.

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What Can Be Claimed?

The RAF provides compensation for:

Medical Expenses: Costs incurred due to injuries from the accident.
Funeral Expenses: In cases where the accident resulted in death.
General Damages: Compensation for pain and suffering, applicable if serious injuries are sustained.
Loss of Earnings: If the injured party is unable to work due to the accident.
Loss of Support: For dependents of a deceased victim who was the primary income provider.

How to Lodge a Claim with the Road Accident Fund

1. Immediate Actions Post-Accident

Report the Accident: Notify the police as soon as possible and obtain an official accident report.
Seek Medical Attention: Consult a healthcare professional immediately, even if injuries seem minor, to ensure all injuries are documented.
Document the Scene: If possible, take photographs of the accident scene, vehicle damages, and any visible injuries.
Collect Witness Information: Gather contact details of any witnesses present at the scene.

2. Compile Necessary Documentation

RAF 1 Form: This form requires basic information about the claimant, details of the vehicles and parties involved, a description of the accident, the amount being claimed, and a medical report from the claimant’s doctor. DSC Law
RAF 3 Form: A statutory accident report form that must be submitted with details of the accident, along with any witness statements. DSC Law
RAF 4 Form: If claiming for general damages due to serious injury, a Serious Injury Assessment Report confirming the severity of the injury is required. DSC Law
Supporting Documents: Include medical records, receipts for medical expenses, proof of loss of income, and any other relevant evidence to substantiate the claim.

3. Submit the Claim

Lodgement: Once all forms and supporting documents are prepared, submit the claim to the RAF. This can be done directly or through a legal representative.
Acknowledgment: The RAF will acknowledge receipt and register the claim in their system.

4. RAF Investigation

Assessment Period: The RAF has 120 days to investigate the claim, during which they may request additional information or require medical examinations by their appointed specialists. DSC Law

5. Settlement or Litigation

Settlement Offer: If the RAF accepts the claim, they may make a settlement offer.
Issuing Summons: If no offer is made after the investigation period, the claimant may proceed with legal action by issuing a summons, compelling the RAF to respond. DSC Law

Time Limits for Lodging a Claim

Known Driver: Claims must be submitted within three years of the accident date.
Unknown Driver (e.g., Hit-and-Run): Claims must be lodged within two years of the accident.

Failure to submit within these time frames may result in the forfeiture of the right to claim.

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Importance of Legal Assistance

Navigating the RAF claims process can be complex and time-consuming. Engaging with an experienced attorney can:

Ensure Proper Documentation: Attorneys can help compile and submit all necessary documents accurately.
Negotiate Fair Compensation: Legal professionals can assess settlement offers to ensure they are fair and adequate.
Expedite the Process: Attorneys are familiar with the procedures and can help avoid unnecessary delays.

Conclusion

The Road Accident Fund plays a crucial role in providing financial relief to victims of road accidents in South Africa. Understanding the eligibility criteria, claimable benefits, and the detailed process of lodging a claim can significantly enhance the chances of a successful outcome. Seeking professional legal assistance is advisable to navigate the complexities of the RAF system effectively.

Also read: Road Accident Fund Claims Process in 2024