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Accident Compensation and How it Works

When involved in an accident your thought process is usually muddled and thinking clearly about what to do about accident compensation from the Road Accident Fund is probably not the first thing on your mind. Personal injuries and injury to passengers and others involved in the accident are usually dealt with first, and then you should take the time to consider your options when it comes to compensation.

If you are a member of Road Cover through African Independent Brokers then you can expect the experts to advise you on how to go about obtaining fair accident compensation. There are many things that one could focus on when seeking compensation as follows:

  • Damages sustained – this refers to any injuries or property damage that may occur as a result of an accident. The amount that you can expect to be paid out is usually based on past cases for similar injury or damage. You can expect an African Independent Brokers team member to explain this to you and advise you on the amount you can expect to receive.
  • Injury type – depending on the type of injury sustained the payout can vary. For example, whiplash which is a common injury, can receive anything between R28 000 and R100 000 payout which is worked out according to the severity of it and what treatment you are receiving.
  • Loss of income – this factor is a great one to be considered when working out claims payouts. The nature of your job, type of injury you have suffered and your salary are all taken into consideration when compensation is determined. How long you are going to need to be booked off work is also taken into account.
  • Past medical expenses – if you have kept a thorough record of all medical accounts that occurred as a result of an accident then the experts at African Independent Brokers will assist you with claiming back from the Road Accident Fund.
  • Future medical expenses – if your accident injuries are such that you will require medical treatment going forward then the African Independent Brokers will assist you with claiming for these as well. In order for the compensation to be determined you will need to undergo medico-legal reports which will also give a guideline for the treatments you are going to need in the future.

Being a member of Road Cover will ensure that you have all the assistance you require in order to successfully process a claim against the Road Accident Fund (RAF) without it being a costly and time consuming experience for you.

If you are looking for information and advice on how to obtain accident compensation then contact African Independent and discuss your options with them today.

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