Motor Vehicle Accident Claims Process in South Africa

Step-by-step guide to RAF claims, insurance claims, and compensation after a car accident. Know your rights and claim process.

Published 2025/02/12

4 topics covered

Accident claims process overview

Motor vehicle accidents in South Africa involve multiple claim types: RAF (Road Accident Fund) claims for personal injury, insurance claims for vehicle damage, and potential third-party claims. Each has different procedures and timelines.

3 years

RAF claim window

12-24 months

Average RAF settlement

30-60 days

Insurance claim timeline

Within 24 hours

Police report required

Immediate post-accident actions

The first 24 hours after an accident are crucial for preserving evidence and protecting your legal rights. Follow these steps systematically.

Checklist

First 24 hours after accident

Ensure safety and call emergency services (10111)
Exchange details with all parties (license, registration, insurance)
Photograph scene, vehicles, injuries, and road conditions
Obtain witness contact information
Open police case for criminal liability assessment
Seek immediate medical attention even if feeling fine
Notify insurance company with claim reference number

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RAF claims process

The Road Accident Fund provides compensation for personal injuries from motor vehicle accidents, regardless of fault. Understanding this process is essential for injury victims.

RAF claim success rates by injury type

Keep detailed records of all medical treatments, expenses, lost income, and correspondence. This documentation significantly strengthens your RAF claim.

Frequently Asked Questions

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Accident claims process overview

Immediate post-accident actions

First 24 hours after accident

RAF claims process

RAF claim success rates by injury type

Frequently Asked Questions

What is the difference between RAF and insurance claims?

How long do RAF claims take in South Africa?

What compensation can I claim from RAF?

Do I need a lawyer for RAF claims?

What if I was partially at fault for the accident?

Can I claim for emotional trauma after an accident?

Need help from a lawyer?