The South African government provides support to people involved in road accidents through the Road Accident Fund (RAF). The RAF is a government-managed insurance fund established to provide compensation to victims of road accidents in South Africa.
Here's a brief explanation of how the RAF operates:
1. Compulsory Insurance: The RAF is funded through a compulsory fuel levy imposed on fuel purchases. This ensures that all road users contribute to the fund, regardless of whether they have their own insurance coverage.
2. Claims Eligibility: Any person who suffers bodily injuries, or the dependents of a deceased person, as a result of a road accident involving a motor vehicle, can potentially claim compensation from the RAF. This includes drivers, passengers, pedestrians, and cyclists.
3. No-Fault System: The RAF operates on a no-fault basis, meaning that individuals are entitled to claim compensation regardless of who was at fault for the accident. This allows victims to receive support even if they were partially responsible for the incident.
4. Claims Process: To initiate a claim, individuals need to submit an application to the RAF, providing details of the accident and their injuries. The claim is then assessed by the RAF to determine the extent of the injuries and the compensation amount.
5. Compensation Types: The RAF provides compensation for various types of losses and expenses, including medical expenses, loss of income or earning capacity, funeral expenses, and general damages for pain, suffering, and loss of amenities of life.
6. Limitations and Thresholds: The RAF has certain limitations and thresholds in place to determine the eligibility and amount of compensation. These may include restrictions on claiming for minor injuries or placing a cap on the total amount of compensation payable.
7. Legal Representation: Claimants have the option to seek legal representation to navigate the claims process and ensure their rights are protected. Legal professionals experienced in personal injury and RAF claims can provide guidance and support throughout the process.