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cover","https://images.prismic.io/miway-website/jjs9MRopq5MUdU9p_home.jpg?auto=format,compress","jjs9MRopq5MUdU9p",{"x":28,"y":28,"zoom":29,"background":30},"Article",[1504,1521,1530,1543,1556,1605,1640,1665,1674,1683,1692,1701,1710,1719],{"variation":1505,"version":1506,"items":1507,"primary":1508,"id":1519,"slice_type":1520,"slice_label":9},"default","initial",[],{"heading":1509,"content":1510,"link_heading":1362},"What is a home asset audit?",[1511],{"type":70,"text":1512,"spans":1513,"direction":73},"A home asset audit is a room-by-room inventory of the possessions in a household, supported by current replacement values and ownership records. It helps a homeowner or tenant compare the total cost of replacing belongings with the insured amount, identify items needing separate cover and organise evidence before theft, fire or another insured loss occurs.",[1514],{"start":1515,"end":1516,"type":216,"data":1517},202,222,{"link_type":78,"url":1518,"target":135},"https://www.miway.co.za/home-insurance","article_content_text$e244c3d7-197a-4acc-9196-085788cb19e2","article_content_text",{"variation":1505,"version":1506,"items":1522,"primary":1523,"id":1529,"slice_type":1520,"slice_label":9},[],{"heading":1524,"content":1525,"link_heading":1362},"Why does a home asset audit matter?",[1526],{"type":70,"text":1527,"spans":1528,"direction":73},"Memory is unreliable after a stressful loss, and the large items are only part of the total. Clothing, linen, cookware, small appliances, books, tools, sports gear and home-office equipment can collectively be worth more than expected. An audit gives the insurer a more accurate risk picture and gives the household a practical record for reviewing cover and supporting a future claim.",[],"article_content_text$7ca28267-04b2-408a-9f8d-74a49d72ab1f",{"variation":1505,"version":1506,"items":1531,"primary":1532,"id":1542,"slice_type":1520,"slice_label":9},[],{"heading":1533,"content":1534,"link_heading":1362},"What is replacement value?",[1535],{"type":70,"text":1536,"spans":1537,"direction":73},"Replacement value is the current cost of replacing a lost or damaged item with a new comparable item, subject to the policy wording. It is not the original purchase price, sentimental value, resale value or a depreciated second-hand estimate. Miway’s current Personal Insurance policy wording says MiHomeStuff must be insured for its total replacement value: the cost of replacing lost or damaged items with new ones.",[1538],{"start":1539,"end":1540,"type":216,"data":1541},251,292,{"link_type":78,"url":508,"target":135},"article_content_text$f6271062-c74a-4658-a526-1515e0ccfa6e",{"variation":1505,"version":1506,"items":1544,"primary":1545,"id":1555,"slice_type":1520,"slice_label":9},[],{"heading":1546,"content":1547,"link_heading":1362},"What is underinsurance?",[1548],{"type":70,"text":1549,"spans":1550,"direction":73},"Underinsurance occurs when the insured amount is below the value required by the policy. Miway’s current wording says an underinsured MiHomeStuff claim may be paid proportionately less. Illustration: if contents worth R750,000 are insured for R500,000, the household is insured for two-thirds of the correct value. A covered R90,000 loss could therefore be reduced to about R60,000 before an excess or other policy deductions. Actual settlements remain claim- and policy-specific.",[1551],{"start":1552,"end":1553,"type":216,"data":1554},134,145,{"link_type":78,"url":1518,"target":135},"article_content_text$15e81f0f-90c7-4267-a27a-f7082a0bba82",{"variation":1557,"version":1506,"items":1558,"primary":1559,"id":1604,"slice_type":1520,"slice_label":9},"subheadingBulletLists",[],{"heading":1560,"content":1561,"sub_sections":1565,"link_heading":1362},"Which insurance category should an item go under?",[1562],{"type":70,"text":1563,"spans":1564,"direction":73},"Classifying an asset correctly is as important as valuing it. The policy wording and Coversheet determine the final category.",[],[1566,1576,1585,1595],{"subheading":784,"list":1567,"link_subsection":1362},[1568],{"type":70,"text":1569,"spans":1570,"direction":73},"Typical items: Furniture, clothing, appliances and belongings kept inside the home or outbuildings. Audit check: Total the current new-replacement cost and check sub-limits.",[1571,1573],{"start":28,"end":861,"type":1572},"strong",{"start":1574,"end":1575,"type":1572},100,113,{"subheading":800,"list":1577,"link_subsection":1362},[1578],{"type":70,"text":1579,"spans":1580,"direction":73},"Typical items: The structure and permanent fixtures, fittings or improvements. Audit check: Confirm whether fitted solar, batteries or other installations form part of the building.",[1581,1582],{"start":28,"end":861,"type":1572},{"start":1583,"end":1584,"type":1572},79,92,{"subheading":1586,"list":1587,"link_subsection":1362},"Movable possessions",[1588],{"type":70,"text":1589,"spans":1590,"direction":73},"Typical items: Items worn or taken outside, such as phones, laptops, cameras, watches and jewellery. Audit check: Check per-item limits and whether valuable or electronic items must be specified.",[1591,1592],{"start":28,"end":861,"type":1572},{"start":1593,"end":1594,"type":1572},101,114,{"subheading":1596,"list":1597,"link_subsection":1362},"Work or business items",[1598],{"type":70,"text":1599,"spans":1600,"direction":73},"Typical items: Employer-owned equipment or property used for business purposes. Audit check: Confirm ownership, usage and the relevant personal or business cover with the insurer.",[1601,1602],{"start":28,"end":861,"type":1572},{"start":722,"end":1603,"type":1572},93,"article_content_text$edc7edbd-6b26-480e-a4d3-ef7006b94dd5",{"variation":1505,"version":1506,"items":1606,"primary":1607,"id":1639,"slice_type":1520,"slice_label":9},[],{"heading":1608,"content":1609,"link_heading":1362},"How do you perform a home asset audit?",[1610,1613],{"type":70,"text":1611,"spans":1612,"direction":73},"Use a repeatable process so that small items, outbuildings and portable valuables are not overlooked.",[],{"type":70,"text":1614,"spans":1615,"direction":73},"1. Work room by room: Include cupboards, wardrobes, the garage, storerooms, domestic quarters and garden structures where relevant.\n2. Record useful identifiers: Capture the item, quantity, brand, model, serial number, approximate purchase date and owner.\n3. Photograph the contents: Take wide room images and close-ups of valuable items, labels and serial numbers.\n4. Research current prices: Use recent quotes or reputable retail listings for a new comparable replacement, not a second-hand sale price.\n5. Flag special items: Mark jewellery, art, collections, electronics, bicycles, business equipment and possessions regularly taken outside.\n6. Add the totals: Calculate the total replacement value, then compare it with the insured amount and relevant category limits on the Coversheet.\n7. Store evidence safely: Keep a secure cloud or off-site copy of the inventory, receipts, valuations, warranties and photographs.\n8. Contact the insurer: Discuss material differences, classifications, limits, security requirements and any policy amendment before assuming an item is covered.",[1616,1618,1621,1624,1627,1630,1633,1636],{"start":28,"end":1617,"type":1572},22,{"start":1619,"end":1620,"type":1572},132,162,{"start":1622,"end":1623,"type":1572},256,284,{"start":1625,"end":1626,"type":1572},366,394,{"start":1628,"end":1629,"type":1572},505,528,{"start":1631,"end":1632,"type":1572},645,664,{"start":1634,"end":1635,"type":1572},791,817,{"start":1637,"end":1638,"type":1572},922,946,"article_content_text$3fe67501-ddbd-4494-b822-2e96a00d4a5c",{"variation":1505,"version":1506,"items":1641,"primary":1642,"id":1664,"slice_type":1520,"slice_label":9},[],{"heading":1643,"content":1644,"link_heading":1362},"Which household items are commonly forgotten?",[1645],{"type":70,"text":1646,"spans":1647,"direction":73},"Living areas: Curtains, rugs, lamps, décor, books, speakers, gaming consoles and smaller electronics.\nKitchen: Cookware, crockery, cutlery, coffee machines, air fryers, mixers and countertop appliances.\nBedrooms: Clothing, shoes, linen, luggage, watches, jewellery and personal-care devices.\nHome office: Monitors, routers, printers, chairs, headsets and personally owned laptops or accessories.\nGarage and outbuildings: Tools, garden equipment, camping gear, bicycles and stored household goods.\nPower and security: Portable power stations, generators, inverters, batteries, cameras and alarm equipment; confirm whether fixed installations belong under buildings cover.",[1648,1650,1653,1656,1658,1661],{"start":28,"end":1649,"type":1572},14,{"start":1651,"end":1652,"type":1572},102,111,{"start":1654,"end":1655,"type":1572},203,213,{"start":1540,"end":1657,"type":1572},305,{"start":1659,"end":1660,"type":1572},396,421,{"start":1662,"end":1663,"type":1572},497,517,"article_content_text$a607b637-528a-417d-bc3b-6d13854e9714",{"variation":1505,"version":1506,"items":1666,"primary":1667,"id":1673,"slice_type":1520,"slice_label":9},[],{"heading":1668,"content":1669,"link_heading":1362},"How often should you update the inventory?",[1670],{"type":70,"text":1671,"spans":1672,"direction":73},"Review the inventory at least once a year and after material changes. Useful triggers include moving home, renovating, setting up a home office, receiving a valuable gift, inheriting jewellery or art, buying new furniture or electronics, installing backup power, replacing several appliances or changing household members. Notify the insurer when the policy requires disclosure; do not wait for the annual audit after a major change.",[],"article_content_text$dab00fe0-ad9a-47b7-850e-9cca6cd2afbc",{"variation":1505,"version":1506,"items":1675,"primary":1676,"id":1682,"slice_type":1520,"slice_label":9},[],{"heading":1677,"content":1678,"link_heading":1362},"Do tenants need a home asset audit?",[1679],{"type":70,"text":1680,"spans":1681,"direction":73},"Yes. A landlord’s buildings insurance generally protects the structure, not everything owned by the tenant. Renters can use the same inventory method to value furniture, clothing, electronics and other personal possessions, then confirm suitable home contents and moveables cover for items kept at home or carried outside.",[],"article_content_text$bdaef971-5a5f-42a5-afe7-94c6b0f516b0",{"variation":1505,"version":1506,"items":1684,"primary":1685,"id":1691,"slice_type":1520,"slice_label":9},[],{"heading":1686,"content":1687,"link_heading":1362},"How much does a home asset audit cost?",[1688],{"type":70,"text":1689,"spans":1690,"direction":73},"A do-it-yourself audit can cost nothing beyond time. Current retail prices and MiWay’s downloadable inventory can provide a practical starting point. Professional valuations may be worthwhile for jewellery, art, antiques, collectibles or specialised equipment. Updating the insured amount can change the premium, so ask for the revised premium, excesses, limits and terms in writing.",[],"article_content_text$20d5fc45-7567-4b12-ac41-281ee3f623c1",{"variation":1505,"version":1506,"items":1693,"primary":1694,"id":1700,"slice_type":1520,"slice_label":9},[],{"heading":1695,"content":1696,"link_heading":1362},"What are the pros and cons of a home asset audit?",[1697],{"type":70,"text":1698,"spans":1699,"direction":73},"The benefits include a more accurate insured value, stronger proof of ownership, easier policy reviews and better claim preparation. The work takes time, valuations can cost money and storing sensitive household information creates a privacy responsibility. Use secure storage, limit access and update the record in manageable batches rather than postponing the entire audit.",[],"article_content_text$483309a2-be97-476b-ba28-6e5b73a07707",{"variation":1505,"version":1506,"items":1702,"primary":1703,"id":1709,"slice_type":1520,"slice_label":9},[],{"heading":1704,"content":1705,"link_heading":1362},"Does an inventory guarantee that a claim will be paid?",[1706],{"type":70,"text":1707,"spans":1708,"direction":73},"No. An inventory supports valuation and evidence, but cover still depends on the insured event, selected cover, policy limits, security requirements, exclusions and the facts of the claim. Keep truthful, current records and report a loss promptly. An audit improves preparedness; it does not replace the Coversheet or policy wording.",[],"article_content_text$cc5224a8-32bf-4a70-8594-30f67a7222de",{"variation":1505,"version":1506,"items":1711,"primary":1712,"id":1718,"slice_type":1520,"slice_label":9},[],{"heading":1713,"content":1714,"link_heading":1362},"Expert Insight",[1715],{"type":70,"text":1716,"spans":1717,"direction":73},"The most useful audit is not a perfect spreadsheet completed once. It is a living record with a clear owner and an update habit. Photograph each room annually, add major purchases when they enter the home and review totals against the Coversheet. That small routine is easier than rebuilding years of evidence after a loss.",[],"article_content_text$3d774705-9d0e-41de-a112-fe4956c13129",{"variation":1557,"version":1506,"items":1720,"primary":1721,"id":1784,"slice_type":1520,"slice_label":9},[],{"heading":1722,"content":1723,"sub_sections":1724,"link_heading":1362},"Home Asset Audit: How to Value and Record Household Contents",[],[1725,1730,1736,1742,1748,1754,1760,1766,1772,1778],{"subheading":1509,"list":1726,"link_subsection":1362},[1727],{"type":70,"text":1728,"spans":1729,"direction":73},"A home asset audit is a room-by-room inventory of household possessions, supported by replacement values and ownership records. It helps you compare the value of your belongings with the insured amount and organise evidence before a loss.",[],{"subheading":1731,"list":1732,"link_subsection":1362},"Why should I perform a home asset audit?",[1733],{"type":70,"text":1734,"spans":1735,"direction":73},"Household contents accumulate gradually, so it is easy to underestimate their total value. An audit can reveal underinsurance, identify items needing separate cover and provide photographs, serial numbers and other evidence that may assist with a claim.",[],{"subheading":1737,"list":1738,"link_subsection":1362},"How often should I update my household contents inventory?",[1739],{"type":70,"text":1740,"spans":1741,"direction":73},"Review it at least annually and after material changes such as moving, renovating, creating a home office, buying furniture or electronics, receiving valuables or installing backup power. Notify the insurer sooner when a major change occurs.",[],{"subheading":1743,"list":1744,"link_subsection":1362},"What is replacement value for home contents?",[1745],{"type":70,"text":1746,"spans":1747,"direction":73},"Replacement value is the current cost of replacing a lost or damaged possession with a new comparable item, subject to the policy wording. It is different from the original purchase price, sentimental value or second-hand resale value.",[],{"subheading":1749,"list":1750,"link_subsection":1362},"What does underinsurance mean?",[1751],{"type":70,"text":1752,"spans":1753,"direction":73},"Underinsurance means the insured amount is lower than the value required by the policy. If proportional settlement applies, an otherwise covered claim may be reduced by the same proportion, before the excess and other deductions.",[],{"subheading":1755,"list":1756,"link_subsection":1362},"What items should a home asset audit include?",[1757],{"type":70,"text":1758,"spans":1759,"direction":73},"Include furniture, appliances, electronics, clothing, linen, cookware, décor, tools, garden equipment, sports gear, jewellery, backup-power equipment and home-office items. Check cupboards, garages, storerooms and outbuildings as well as main rooms.",[],{"subheading":1761,"list":1762,"link_subsection":1362},"Do renters need a home asset audit?",[1763],{"type":70,"text":1764,"spans":1765,"direction":73},"Yes. A landlord’s policy generally covers the building rather than possessions owned by the tenant. Renters can audit their belongings and confirm suitable contents and moveables cover for items kept at home or taken outside.",[],{"subheading":1767,"list":1768,"link_subsection":1362},"Are photographs and receipts enough for an insurance claim?",[1769],{"type":70,"text":1770,"spans":1771,"direction":73},"They are useful evidence but do not guarantee payment. Keep photographs, receipts, serial numbers, warranties, valuations and ownership details where available. A claim still depends on the event, cover, limits, conditions, exclusions and supporting facts.",[],{"subheading":1773,"list":1774,"link_subsection":1362},"Should phones, laptops and jewellery be listed separately?",[1775],{"type":70,"text":1776,"spans":1777,"direction":73},"They may need separate or specified moveables cover, especially when taken outside the home or subject to per-item limits. MiWay’s current wording requires cellphones and electronic items under MiMovables to be specified on the Coversheet.",[],{"subheading":1779,"list":1780,"link_subsection":1362},"Are solar panels, inverters and batteries home contents or buildings assets?",[1781],{"type":70,"text":1782,"spans":1783,"direction":73},"Classification can depend on whether equipment is portable or permanently installed and on the policy wording. Record every component and installation cost, then ask the insurer which section should cover it and whether the insured value must change.",[],"article_content_text$900ee88a-8cf3-4f5a-b3ce-9fa10d932944","Home Asset Audit Checklist for SA | Miway Home Insurance","Use this room-by-room home asset audit checklist to calculate replacement value, document belongings and reduce the risk of underinsurance.","home insurance",{"dimensions":1789,"alt":1498,"copyright":9,"url":1792,"id":1500,"edit":1793},{"width":1790,"height":1791},2400,1260,"https://images.prismic.io/miway-website/jjs9MRopq5MUdU9p_home.jpg?auto=format,compress&rect=0,677,1080,567&w=2400&h=1260",{"x":28,"y":1794,"zoom":29,"background":30},677,{"link_type":35},[1797],{"type":70,"text":1798,"spans":1799,"direction":73},"Household value often grows one purchase at a time. Statistics South Africa’s April 2026 retail trade data showed that sales by household furniture, appliance and equipment retailers increased 8.8% year-on-year and contributed 0.4 percentage points to overall retail growth. The data measures retail activity, not each home’s assets, but it illustrates why an old insured value can fall behind new purchases and replacement costs.",[],"Miway",{"link_type":393},[],{"dimensions":1804,"alt":1498,"copyright":9,"url":1499,"id":1500,"edit":1805},{"width":1496,"height":1497},{"x":28,"y":28,"zoom":29,"background":30},[1807,2320,2874,3437],{"id":1808,"uid":1809,"url":1810,"type":1468,"href":1811,"tags":1812,"first_publication_date":1815,"last_publication_date":1816,"slugs":1817,"linked_documents":1819,"lang":16,"alternate_languages":1820,"data":1821},"Z-ESKREAACcAWf3Y","road-rage-and-how-to-deal-with-it","/blog/road-rage-and-how-to-deal-with-it","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=apWEFBIAACwAyRLh&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z-ESKREAACcAWf3Y%22%29+%5D%5D",[958,1813,1814,996],"Safety","Tips","2025-03-24T08:05:00+0000","2026-08-31T13:39:31+0000",[1818],"2026-08-31t0700000000",[],[],{"date":1822,"heading":1823,"duration":1824,"article_type":1825,"category":1828,"related_product":1834,"thumbnail":1837,"type":1502,"related_insurance":1845,"slices":1846,"meta_title":2298,"meta_description":2299,"meta_keywords":9,"meta_image":2300,"canonical":2304,"intro":2305,"author":1800,"service_block":2308,"in_this_article":2316,"hero_image":2317},"2026-08-31T07:00:00+0000","Road rage - and how to deal with it",3,{"id":1337,"type":1338,"tags":1826,"lang":16,"slug":1340,"first_publication_date":1341,"last_publication_date":1341,"uid":1340,"url":1342,"link_type":393,"key":1827,"isBroken":395},[],"f2b34bf2-08de-48b9-96b6-cf8f20ca325c",{"id":1483,"type":1484,"tags":1829,"lang":16,"slug":1486,"first_publication_date":1487,"last_publication_date":1488,"uid":1489,"url":1342,"data":1830,"link_type":393,"key":1833,"isBroken":395},[],{"name":1831,"tag":1832},"Miway Tips & Guides","Tips & Guides","24609988-83d6-40e3-9799-cdcd00595b4e",{"id":849,"type":515,"tags":1835,"lang":16,"slug":851,"first_publication_date":852,"last_publication_date":853,"uid":851,"url":854,"link_type":393,"key":1836,"isBroken":395},[688,517,519],"80516e39-5702-4791-afae-b87daac11e3c",{"dimensions":1838,"alt":1841,"copyright":9,"url":1842,"id":1843,"edit":1844},{"width":1839,"height":1840},980,490,"Car insurance and car rage ","https://images.prismic.io/miway-website/Z-ERiXdAxsiBvynS_road-rage-and-how-to-deal-with-it.jpeg?auto=format,compress","Z-ERiXdAxsiBvynS",{"x":28,"y":28,"zoom":29,"background":30},"Car",[1847,1874,1914,1995,2037,2073,2109,2135,2174,2232,2269],{"variation":1505,"version":1506,"items":1848,"primary":1849,"id":1873,"slice_type":1520,"slice_label":9},[],{"heading":9,"content":1850,"link_heading":1362},[1851,1854,1857,1864],{"type":70,"text":1852,"spans":1853,"direction":73},"One moment you're making your way through traffic. The next, another driver is tailgating, shouting, hooting or trying to force their way past you.",[],{"type":70,"text":1855,"spans":1856,"direction":73},"Road rage can escalate quickly, which is why the safest response is usually not to prove who was right. It's to create distance, avoid confrontation and get yourself and your passengers somewhere safe.",[],{"type":70,"text":1858,"spans":1859,"direction":73},"The South African Police Service (SAPS) describes aggressive driving as deliberately unsafe driving behaviour carried out with disregard for safety. In extreme cases, it can escalate into road rage involving an intention to cause physical harm.",[1860],{"start":156,"end":1861,"type":216,"data":1862},38,{"link_type":78,"url":1863,"target":135},"https://www.saps.gov.za/alert/road_rage.php",{"type":70,"text":1865,"spans":1866,"direction":73},"Here's what South African drivers should know about recognising road rage, responding safely and what to do if an incident leads to vehicle damage or a car insurance claim.",[1867,1872],{"start":1868,"end":1869,"type":216,"data":1870},152,165,{"link_type":78,"url":1871,"target":135},"https://www.miway.co.za/car-insurance",{"start":1868,"end":1869,"type":1572},"article_content_text$83977ce3-4f86-4270-b0b0-49906ab11b88",{"variation":1505,"version":1506,"items":1875,"primary":1876,"id":1913,"slice_type":1520,"slice_label":9},[],{"heading":1877,"content":1878,"link_heading":1362},"What is road rage?",[1879,1882,1885,1888,1892,1895,1898,1901,1904,1907,1910],{"type":70,"text":1880,"spans":1881,"direction":73},"Road rage is extreme anger or aggression directed at another road user.",[],{"type":70,"text":1883,"spans":1884,"direction":73},"It can begin with something that seems relatively minor, such as somebody cutting into your lane, driving slowly or sounding their horn. But when frustration turns into threatening or dangerous behaviour, the situation can become much more serious.",[],{"type":70,"text":1886,"spans":1887,"direction":73},"Aggressive driving can include behaviours such as:",[],{"type":1889,"text":1890,"spans":1891,"direction":73},"list-item","tailgating",[],{"type":1889,"text":1893,"spans":1894,"direction":73},"deliberately blocking another vehicle",[],{"type":1889,"text":1896,"spans":1897,"direction":73},"unsafe lane changes",[],{"type":1889,"text":1899,"spans":1900,"direction":73},"excessive hooting",[],{"type":1889,"text":1902,"spans":1903,"direction":73},"threatening gestures",[],{"type":1889,"text":1905,"spans":1906,"direction":73},"attempting to intimidate another driver",[],{"type":1889,"text":1908,"spans":1909,"direction":73},"deliberately pursuing another vehicle.",[],{"type":70,"text":1911,"spans":1912,"direction":73},"Not every impatient driver is experiencing road rage, but recognising escalating behaviour early gives you more time to remove yourself from the situation.",[],"article_content_text$e620eff9-01a3-4c76-8dca-3ad5cc1ba545",{"variation":1505,"version":1506,"items":1915,"primary":1916,"id":1994,"slice_type":1520,"slice_label":9},[],{"heading":1917,"content":1918,"link_heading":1362},"What should you do if you encounter road rage?",[1919,1925,1930,1934,1937,1940,1945,1948,1951,1954,1957,1962,1965,1970,1973,1978,1981,1984,1988,1991],{"type":70,"text":1920,"spans":1921,"direction":73},"The most important thing is to avoid escalating the confrontation.",[1922],{"start":1923,"end":1924,"type":1572},31,65,{"type":70,"text":1926,"spans":1927,"direction":73},"SAPS recommends remaining courteous, avoiding conflict and moving out of the way rather than responding to an aggressive driver.",[1928],{"start":28,"end":156,"type":216,"data":1929},{"link_type":78,"url":1863,"target":135},{"type":70,"text":1931,"spans":1932,"direction":73},"1. Create space",[1933],{"start":28,"end":861,"type":1572},{"type":70,"text":1935,"spans":1936,"direction":73},"Leave enough room between your vehicle and the one ahead of you, particularly when traffic is stationary.",[],{"type":70,"text":1938,"spans":1939,"direction":73},"That gives you somewhere to move if you need to get away from an aggressive driver.",[],{"type":70,"text":1941,"spans":1942,"direction":73},"2. Don't retaliate",[1943],{"start":28,"end":1944,"type":1572},18,{"type":70,"text":1946,"spans":1947,"direction":73},"It can be tempting to hoot back, make a gesture or prevent the other driver from passing.",[],{"type":70,"text":1949,"spans":1950,"direction":73},"Don't.",[],{"type":70,"text":1952,"spans":1953,"direction":73},"Trying to teach an aggressive driver a lesson may make an already tense situation worse.",[],{"type":70,"text":1955,"spans":1956,"direction":73},"You don't know how the other person will react, so getting home safely matters more than proving that you had right of way.",[],{"type":70,"text":1958,"spans":1959,"direction":73},"3. Keep your doors locked and stay inside",[1960],{"start":28,"end":1961,"type":1572},41,{"type":70,"text":1963,"spans":1964,"direction":73},"If another driver gets out of their vehicle and approaches you aggressively, remaining inside your locked vehicle can provide an important physical barrier.",[],{"type":70,"text":1966,"spans":1967,"direction":73},"SAPS specifically advises motorists dealing with aggressive drivers to keep their vehicle doors locked.",[1968],{"start":28,"end":156,"type":216,"data":1969},{"link_type":78,"url":1863,"target":135},{"type":70,"text":1971,"spans":1972,"direction":73},"Avoid getting out to argue.",[],{"type":70,"text":1974,"spans":1975,"direction":73},"4. Avoid prolonged eye contact or gestures",[1976],{"start":28,"end":1977,"type":1572},42,{"type":70,"text":1979,"spans":1980,"direction":73},"Eye contact, shouting or gestures can sometimes be interpreted as a challenge.",[],{"type":70,"text":1982,"spans":1983,"direction":73},"Keep your attention on getting away safely rather than responding to the other driver.",[],{"type":70,"text":1985,"spans":1986,"direction":73},"5. Let the driver pass",[1987],{"start":28,"end":1617,"type":1572},{"type":70,"text":1989,"spans":1990,"direction":73},"If it's safe to do so, create space and allow an aggressive driver to move away from you.",[],{"type":70,"text":1992,"spans":1993,"direction":73},"Being technically right is not worth allowing the situation to become more dangerous.",[],"article_content_text$82654ddb-68f0-4647-8677-b7f9e77e18fb",{"variation":1505,"version":1506,"items":1996,"primary":1997,"id":2036,"slice_type":1520,"slice_label":9},[],{"heading":1998,"content":1999,"link_heading":1362},"What if an aggressive driver follows you?",[2000,2006,2009,2012,2015,2018,2021,2024,2027,2030],{"type":70,"text":2001,"spans":2002,"direction":73},"If you believe another driver is deliberately following you, don't drive straight home.",[2003],{"start":2004,"end":2005,"type":1572},61,86,{"type":70,"text":2007,"spans":2008,"direction":73},"Instead, continue towards a safe, populated location or the nearest police station.",[],{"type":70,"text":2010,"spans":2011,"direction":73},"SAPS advises motorists who are confronted by aggressive drivers to contact the police or drive to a police station.",[],{"type":70,"text":2013,"spans":2014,"direction":73},"Where possible:",[],{"type":1889,"text":2016,"spans":2017,"direction":73},"keep your doors locked",[],{"type":1889,"text":2019,"spans":2020,"direction":73},"keep your windows closed",[],{"type":1889,"text":2022,"spans":2023,"direction":73},"avoid stopping somewhere isolated",[],{"type":1889,"text":2025,"spans":2026,"direction":73},"don't get out to confront the other driver",[],{"type":1889,"text":2028,"spans":2029,"direction":73},"contact SAPS if you believe you are in danger.",[],{"type":70,"text":2031,"spans":2032,"direction":73},"The SAPS emergency number is 10111.",[2033],{"start":2034,"end":2035,"type":1572},29,34,"article_content_text$d30e70f4-802e-4391-8047-50186d2d2a00",{"variation":1505,"version":1506,"items":2038,"primary":2039,"id":2072,"slice_type":1520,"slice_label":9},[],{"heading":2040,"content":2041,"link_heading":1362},"What if you're the one getting angry?",[2042,2045,2048,2051,2054,2057,2060,2063,2066,2069],{"type":70,"text":2043,"spans":2044,"direction":73},"Road rage doesn't always start with somebody else.",[],{"type":70,"text":2046,"spans":2047,"direction":73},"Traffic, running late, tiredness and frustration can change the way we react behind the wheel.",[],{"type":70,"text":2049,"spans":2050,"direction":73},"SANRAL's discussion of road aggression highlights the importance of recognising personal triggers before they turn into dangerous behaviour.",[],{"type":70,"text":2052,"spans":2053,"direction":73},"If you notice yourself becoming angry:",[],{"type":1889,"text":2055,"spans":2056,"direction":73},"create more space between you and other vehicles",[],{"type":1889,"text":2058,"spans":2059,"direction":73},"stop treating the journey like a competition",[],{"type":1889,"text":2061,"spans":2062,"direction":73},"avoid retaliating when another driver makes a mistake",[],{"type":1889,"text":2064,"spans":2065,"direction":73},"allow extra travel time where possible",[],{"type":1889,"text":2067,"spans":2068,"direction":73},"pull over somewhere safe if you need time to calm down.",[],{"type":70,"text":2070,"spans":2071,"direction":73},"You cannot control another driver's behaviour, but you can control whether you add to the confrontation.",[],"article_content_text$f79a3403-3f46-40dd-a49c-deab2fb63a26",{"variation":1505,"version":1506,"items":2074,"primary":2075,"id":2108,"slice_type":1520,"slice_label":9},[],{"heading":2076,"content":2077,"link_heading":1362},"What should you do if road rage causes an accident?",[2078,2081,2084,2088,2091,2094,2097,2100,2103],{"type":70,"text":2079,"spans":2080,"direction":73},"If a road-rage incident results in a collision, switch your focus from the argument to safety and the accident process.",[],{"type":70,"text":2082,"spans":2083,"direction":73},"If it is safe to do so:",[],{"type":2085,"text":2086,"spans":2087,"direction":73},"o-list-item","Move yourself out of immediate danger.",[],{"type":2085,"text":2089,"spans":2090,"direction":73},"Check whether anybody needs emergency assistance.",[],{"type":2085,"text":2092,"spans":2093,"direction":73},"Avoid continuing an argument with the other driver.",[],{"type":2085,"text":2095,"spans":2096,"direction":73},"Record relevant information about the vehicles and incident when it is safe.",[],{"type":2085,"text":2098,"spans":2099,"direction":73},"Report the incident to the appropriate authorities where required.",[],{"type":2085,"text":2101,"spans":2102,"direction":73},"Contact your insurer and follow the claims process.",[],{"type":70,"text":2104,"spans":2105,"direction":73},"MiWay has a more detailed step-by-step guide on what to do after a car accident that can help motorists understand what comes next.",[2106],{"start":2107,"end":1583,"type":1572},26,"article_content_text$22c01588-e6f1-426c-a506-e1c3355b97c0",{"variation":1505,"version":1506,"items":2110,"primary":2111,"id":2134,"slice_type":1520,"slice_label":9},[],{"heading":2112,"content":2113,"link_heading":1362},"Can road rage affect your car insurance claim?",[2114,2119,2122,2125,2128,2131],{"type":70,"text":2115,"spans":2116,"direction":73},"This is where road safety and car insurance intersect.",[2117],{"start":2118,"end":44,"type":1572},30,{"type":70,"text":2120,"spans":2121,"direction":73},"If your vehicle is damaged during an incident involving another road user, whether and how the damage is covered depends on the circumstances and the terms and conditions of your policy.",[],{"type":70,"text":2123,"spans":2124,"direction":73},"There is also an important distinction between being caught up in an incident and deliberately causing damage yourself.",[],{"type":70,"text":2126,"spans":2127,"direction":73},"Insurance shouldn't be treated as permission to retaliate. Deliberate or unlawful conduct can raise very different coverage questions from an ordinary accidental collision.",[],{"type":70,"text":2129,"spans":2130,"direction":73},"If road rage results in damage to your vehicle, provide your insurer with accurate information about what happened and follow the required claims procedure.",[],{"type":70,"text":2132,"spans":2133,"direction":73},"If you're unsure about your cover, review your policy wording or contact your insurer rather than assuming an incident will automatically be covered.",[],"article_content_text$67b529d6-60fe-41cf-9f68-59fc2483301f",{"variation":1505,"version":1506,"items":2136,"primary":2137,"id":2173,"slice_type":1520,"slice_label":9},[],{"heading":2138,"content":2139,"link_heading":1362},"How can you reduce your chances of road rage?",[2140,2143,2146,2149,2152,2155,2158,2161,2164,2167,2170],{"type":70,"text":2141,"spans":2142,"direction":73},"Defensive driving can help prevent frustration from becoming confrontation.",[],{"type":70,"text":2144,"spans":2145,"direction":73},"Try to:",[],{"type":1889,"text":2147,"spans":2148,"direction":73},"leave enough following distance",[],{"type":1889,"text":2150,"spans":2151,"direction":73},"signal before changing lanes",[],{"type":1889,"text":2153,"spans":2154,"direction":73},"avoid tailgating",[],{"type":1889,"text":2156,"spans":2157,"direction":73},"allow other drivers to merge where possible",[],{"type":1889,"text":2159,"spans":2160,"direction":73},"use your horn only when necessary",[],{"type":1889,"text":2162,"spans":2163,"direction":73},"give yourself enough travelling time",[],{"type":1889,"text":2165,"spans":2166,"direction":73},"accept that other motorists will sometimes make mistakes",[],{"type":1889,"text":2168,"spans":2169,"direction":73},"avoid driving when you're already highly frustrated.",[],{"type":70,"text":2171,"spans":2172,"direction":73},"SAPS puts the principle simply: motorists cannot control the traffic, but they can control their reaction to it.",[],"article_content_text$238bb964-38c3-408c-9ad0-419fa08b3cb1",{"variation":1505,"version":1506,"items":2175,"primary":2176,"id":2231,"slice_type":1520,"slice_label":9},[],{"heading":2177,"content":2178,"link_heading":1362},"Road rage: a quick safety checklist",[2179,2182,2187,2191,2195,2199,2204,2208,2212,2217,2221,2225,2228],{"type":70,"text":2180,"spans":2181,"direction":73},"If another driver becomes aggressive:",[],{"type":1889,"text":2183,"spans":2184,"direction":73},"Stay calm",[2185],{"start":28,"end":2186,"type":1572},9,{"type":1889,"text":2188,"spans":2189,"direction":73},"Don't retaliate",[2190],{"start":28,"end":861,"type":1572},{"type":1889,"text":2192,"spans":2193,"direction":73},"Create distance",[2194],{"start":28,"end":861,"type":1572},{"type":1889,"text":2196,"spans":2197,"direction":73},"Keep your doors locked",[2198],{"start":28,"end":1617,"type":1572},{"type":1889,"text":2200,"spans":2201,"direction":73},"Stay inside the vehicle if confronted",[2202],{"start":28,"end":2203,"type":1572},37,{"type":1889,"text":2205,"spans":2206,"direction":73},"Let the aggressive driver pass where safe",[2207],{"start":28,"end":1961,"type":1572},{"type":1889,"text":2209,"spans":2210,"direction":73},"Don't drive home if you're being followed",[2211],{"start":28,"end":1961,"type":1572},{"type":1889,"text":2213,"spans":2214,"direction":73},"Head towards a police station or other safe location",[2215],{"start":28,"end":2216,"type":1572},52,{"type":1889,"text":2218,"spans":2219,"direction":73},"Call SAPS if you believe you're in danger",[2220],{"start":28,"end":1961,"type":1572},{"type":1889,"text":2222,"spans":2223,"direction":73},"Follow the proper accident and insurance process if damage occurs",[2224],{"start":28,"end":1924,"type":1572},{"type":70,"text":2226,"spans":2227,"direction":73},"The objective isn't to win the argument.",[],{"type":70,"text":2229,"spans":2230,"direction":73},"It's to get everyone in your vehicle home safely.",[],"article_content_text$b4e4317b-0464-4679-8b2a-323dbdb48051",{"variation":1557,"version":1506,"items":2233,"primary":2234,"id":2268,"slice_type":1520,"slice_label":9},[],{"heading":2235,"content":2236,"sub_sections":2237,"link_heading":1362},"Road rage FAQs",[],[2238,2244,2250,2256,2262],{"subheading":2239,"list":2240,"link_subsection":1362},"Should I get out of my car if another driver confronts me?",[2241],{"type":70,"text":2242,"spans":2243,"direction":73},"Generally, avoid leaving your vehicle to confront an aggressive driver. SAPS recommends keeping your doors locked and avoiding conflict.",[],{"subheading":2245,"list":2246,"link_subsection":1362},"What should I do if a road-rage driver follows me?",[2247],{"type":70,"text":2248,"spans":2249,"direction":73},"Don't lead them to your home. Head towards a police station or another safe location and contact SAPS if you believe you're in danger.",[],{"subheading":2251,"list":2252,"link_subsection":1362},"Should I respond if someone swears or gestures at me?",[2253],{"type":70,"text":2254,"spans":2255,"direction":73},"Avoid retaliating. Responding can escalate the situation rather than resolve it.",[],{"subheading":2257,"list":2258,"link_subsection":1362},"Can road rage affect a car insurance claim?",[2259],{"type":70,"text":2260,"spans":2261,"direction":73},"The answer depends on what happened and the terms of the policy. Accidental vehicle damage and deliberately caused damage may be treated differently, so give your insurer a full and accurate account of the incident.",[],{"subheading":2263,"list":2264,"link_subsection":1362},"What causes road rage?",[2265],{"type":70,"text":2266,"spans":2267,"direction":73},"Common triggers can include traffic congestion, running late, frustration and another road user's behaviour. Your response to those triggers matters, defensive driving and allowing additional journey time can reduce the likelihood of escalation.",[],"article_content_text$cbcd1771-5c7c-4571-977e-88a39a6d712d",{"variation":1505,"version":1506,"items":2270,"primary":2271,"id":2297,"slice_type":1520,"slice_label":9},[],{"heading":2272,"content":2273,"link_heading":1362},"Keep your cool and protect what moves you",[2274,2277,2280,2283],{"type":70,"text":2275,"spans":2276,"direction":73},"A stressful moment on the road doesn't have to become a dangerous confrontation.",[],{"type":70,"text":2278,"spans":2279,"direction":73},"Give other drivers space, don't retaliate and put safety ahead of being right.",[],{"type":70,"text":2281,"spans":2282,"direction":73},"And because not every incident on the road can be avoided, it also helps to understand the protection available to you.",[],{"type":70,"text":2284,"spans":2285,"direction":73},"Learn more about Miway car insurance or get a car insurance quote to find cover that suits the way you drive.",[2286,2291,2292,2296],{"start":28,"end":2287,"type":216,"data":2288},36,{"link_type":78,"url":2289,"target":2290},"https://www.miway.co.za/car-insurance/","_new",{"start":28,"end":2287,"type":1572},{"start":2293,"end":1924,"type":216,"data":2294},40,{"link_type":78,"url":2295,"target":2290},"https://www.miway.co.za/car-insurance-quotes",{"start":2293,"end":1924,"type":1572},"article_content_text$7a988abc-e11f-49a1-ab30-00d25b2eb96e","Road Rage and How to Deal With It | Miway Car Insurance","We often hear that one’s true character is revealed in the way they treat others, especially those not in one’s personal circle of interaction.",{"dimensions":2301,"alt":1841,"copyright":9,"url":2302,"id":1843,"edit":2303},{"width":1790,"height":1791},"https://images.prismic.io/miway-website/Z-ERiXdAxsiBvynS_road-rage-and-how-to-deal-with-it.jpeg?auto=format,compress&rect=23,0,933,490&w=2400&h=1260",{"x":27,"y":28,"zoom":29,"background":30},{"link_type":35},[2306],{"type":70,"text":2299,"spans":2307,"direction":73},[],{"id":2309,"type":2310,"tags":2311,"lang":16,"slug":631,"first_publication_date":2312,"last_publication_date":2313,"uid":2314,"link_type":393,"key":2315,"isBroken":395},"ZwYbiRAAACEAp-qZ","service_block",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block","25cccd60-2d6f-46de-a002-e29a6ac78d92",[],{"dimensions":2318,"alt":1841,"copyright":9,"url":1842,"id":1843,"edit":2319},{"width":1839,"height":1840},{"x":28,"y":28,"zoom":29,"background":30},{"id":2321,"uid":2322,"url":2323,"type":1468,"href":2324,"tags":2325,"first_publication_date":2326,"last_publication_date":2327,"slugs":2328,"linked_documents":2329,"lang":16,"alternate_languages":2330,"data":2331},"Z6Mz9hIAACgAN2Qh","claiming-from-the-road-accident-fund","/blog/claiming-from-the-road-accident-fund","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=apWEFBIAACwAyRLh&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z6Mz9hIAACgAN2Qh%22%29+%5D%5D",[958,688,996],"2025-02-05T09:48:42+0000","2026-08-31T06:44:57+0000",[1818],[],[],{"date":1822,"heading":2332,"duration":123,"article_type":2333,"category":2336,"related_product":2340,"thumbnail":2343,"type":1502,"related_insurance":1845,"slices":2351,"meta_title":2850,"meta_description":2851,"meta_keywords":2852,"meta_image":2853,"canonical":2857,"intro":2858,"author":1800,"service_block":2862,"in_this_article":2870,"hero_image":2871},"Claiming from the Road Accident Fund",{"id":1337,"type":1338,"tags":2334,"lang":16,"slug":1340,"first_publication_date":1341,"last_publication_date":1341,"uid":1340,"url":1342,"link_type":393,"key":2335,"isBroken":395},[],"bb732776-6f5b-4f21-9f33-327b682b0e79",{"id":1483,"type":1484,"tags":2337,"lang":16,"slug":1486,"first_publication_date":1487,"last_publication_date":1488,"uid":1489,"url":1342,"data":2338,"link_type":393,"key":2339,"isBroken":395},[],{"name":1831,"tag":1832},"649d8df6-1d40-4e6c-b304-39556be7693a",{"id":626,"type":515,"tags":2341,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":2342,"isBroken":395},[519],"5c8c7268-71d9-4cb9-b77a-099158f2c3a9",{"dimensions":2344,"alt":2347,"copyright":9,"url":2348,"id":2349,"edit":2350},{"width":2345,"height":2346},1049,384,"claiming road accident fund ","https://images.prismic.io/miway-website/Z6MzbZbqstJ9-Pc-_ClaimingFromTheRoadAccidentFund.jpeg?auto=format,compress","Z6MzbZbqstJ9-Pc-",{"x":28,"y":28,"zoom":29,"background":30},[2352,2377,2403,2430,2478,2509,2627,2654,2672,2690,2737,2775,2820],{"variation":1505,"version":1506,"items":2353,"primary":2354,"id":2376,"slice_type":1520,"slice_label":9},[],{"heading":9,"content":2355,"link_heading":1362},[2356,2370,2373],{"type":70,"text":2357,"spans":2358,"direction":73},"If you're injured in a road accident in South Africa, you may be able to claim compensation from the Road Accident Fund (RAF). But a RAF claim isn't the same as a car insurance claim, and understanding the difference can help you know where to turn after an accident.",[2359,2363,2365,2369],{"start":1593,"end":2360,"type":216,"data":2361},119,{"link_type":78,"url":2362,"target":135},"https://www.raf.co.za/Pages/Default.aspx",{"start":1593,"end":2364,"type":1572},125,{"start":2366,"end":2367,"type":216,"data":2368},163,176,{"link_type":78,"url":1871,"target":135},{"start":2366,"end":2367,"type":1572},{"type":70,"text":2371,"spans":2372,"direction":73},"The RAF is a statutory fund established under the Road Accident Fund Act 56 of 1996. It provides compensation for qualifying loss or damage arising from bodily injury or death caused by the negligent driving of motor vehicles in South Africa.",[],{"type":70,"text":2374,"spans":2375,"direction":73},"Here's what you need to know about who may claim, what you may claim for, important time limits and the information you'll need.",[],"article_content_text$c3d1b12a-1fa4-40ee-acfc-bf9e23777dc9",{"variation":1505,"version":1506,"items":2378,"primary":2379,"id":2402,"slice_type":1520,"slice_label":9},[],{"heading":2380,"content":2381,"link_heading":1362},"What is the Road Accident Fund?",[2382,2385,2388,2393,2399],{"type":70,"text":2383,"spans":2384,"direction":73},"The Road Accident Fund provides compulsory cover to road users in South Africa for qualifying loss resulting from bodily injury or death caused by the negligent driving of a motor vehicle.",[],{"type":70,"text":2386,"spans":2387,"direction":73},"This can include drivers, passengers, pedestrians and other road users, depending on the circumstances of the accident and responsibility for it.",[],{"type":70,"text":2389,"spans":2390,"direction":73},"It's important to understand that a RAF claim and a car insurance claim serve different purposes.",[2391],{"start":2216,"end":2392,"type":1572},71,{"type":70,"text":2394,"spans":2395,"direction":73},"The RAF deals primarily with qualifying bodily injury and death-related compensation. It does not compensate you for damage to your vehicle or other property.",[2396],{"start":2397,"end":2398,"type":1572},94,97,{"type":70,"text":2400,"spans":2401,"direction":73},"",[],"article_content_text$63eb9b19-0bcc-4cea-ab76-6638de992af5",{"variation":1505,"version":1506,"items":2404,"primary":2405,"id":2429,"slice_type":1520,"slice_label":9},[],{"heading":2406,"content":2407,"link_heading":1362},"Who can claim from the Road Accident Fund?",[2408,2411,2414,2417,2420,2423,2426],{"type":70,"text":2409,"spans":2410,"direction":73},"According to current RAF guidance, potential claimants can include:",[],{"type":1889,"text":2412,"spans":2413,"direction":73},"a person injured in a motor vehicle accident, provided they weren't 100% responsible for causing it",[],{"type":1889,"text":2415,"spans":2416,"direction":73},"a dependant of someone who died in a motor vehicle accident, subject to the applicable requirements",[],{"type":1889,"text":2418,"spans":2419,"direction":73},"a close relative who incurred qualifying funeral expenses",[],{"type":1889,"text":2421,"spans":2422,"direction":73},"a parent or legal guardian acting for a minor",[],{"type":1889,"text":2424,"spans":2425,"direction":73},"certain other representatives recognised by the RAF process.",[],{"type":70,"text":2427,"spans":2428,"direction":73},"Eligibility depends on the circumstances, so being involved in a road accident doesn't automatically mean that compensation will be payable.",[],"article_content_text$ea2d8dfb-d751-4ce1-8224-0ccabc78e532",{"variation":1505,"version":1506,"items":2431,"primary":2432,"id":2477,"slice_type":1520,"slice_label":9},[],{"heading":2433,"content":2434,"link_heading":1362},"What can you claim from the RAF?",[2435,2438,2442,2445,2449,2452,2456,2459,2464,2467,2471,2474],{"type":70,"text":2436,"spans":2437,"direction":73},"Depending on the circumstances and applicable requirements, RAF compensation may include:",[],{"type":70,"text":2439,"spans":2440,"direction":73},"Past and future medical expenses",[2441],{"start":28,"end":705,"type":1572},{"type":70,"text":2443,"spans":2444,"direction":73},"Qualifying hospital, medical and related treatment costs resulting from injuries caused by the accident.",[],{"type":70,"text":2446,"spans":2447,"direction":73},"Past and future loss of income",[2448],{"start":28,"end":2118,"type":1572},{"type":70,"text":2450,"spans":2451,"direction":73},"If your injuries affect your ability to work or earn an income, qualifying past or future loss of earnings may form part of the claim.",[],{"type":70,"text":2453,"spans":2454,"direction":73},"Loss of support",[2455],{"start":28,"end":861,"type":1572},{"type":70,"text":2457,"spans":2458,"direction":73},"Dependants of a breadwinner who dies following a qualifying road accident may be able to claim for loss of financial support.",[],{"type":70,"text":2460,"spans":2461,"direction":73},"Funeral expenses",[2462],{"start":28,"end":2463,"type":1572},16,{"type":70,"text":2465,"spans":2466,"direction":73},"Certain necessary funeral expenses may be claimed.",[],{"type":70,"text":2468,"spans":2469,"direction":73},"General damages for serious injuries",[2470],{"start":28,"end":2287,"type":1572},{"type":70,"text":2472,"spans":2473,"direction":73},"General damages relating to pain, suffering and disfigurement are subject to the RAF's serious-injury requirements.",[],{"type":70,"text":2475,"spans":2476,"direction":73},"These categories are reflected in the RAF's current claimant guidance and prescribed claim documentation.",[],"article_content_text$5f9608f3-e6fb-4bf9-9f21-38c0ef30178d",{"variation":1505,"version":1506,"items":2479,"primary":2480,"id":2508,"slice_type":1520,"slice_label":9},[],{"heading":2481,"content":2482,"link_heading":1362},"Can you claim for damage to your car from the RAF?",[2483,2488,2491,2497,2500],{"type":70,"text":2484,"spans":2485,"direction":73},"No. The RAF does not compensate motorists for property damage.",[2486],{"start":28,"end":2487,"type":1572},62,{"type":70,"text":2489,"spans":2490,"direction":73},"This distinction is important.",[],{"type":70,"text":2492,"spans":2493,"direction":73},"A RAF claim deals with qualifying bodily injury or death-related losses. Damage to your vehicle is a separate matter and may instead involve your car insurance, another driver's insurer or recovery from the responsible party, depending on the circumstances.",[2494],{"start":2495,"end":2496,"type":1572},146,159,{"type":70,"text":2498,"spans":2499,"direction":73},"If your vehicle has been damaged, notify your insurer promptly and follow the claims process required by your policy.",[],{"type":70,"text":2501,"spans":2502,"direction":73},"Miway's car insurance claims guide explains common questions about submitting an insurance claim.",[2503,2507],{"start":2504,"end":2035,"type":216,"data":2505},8,{"link_type":78,"url":2506,"target":2290},"https://www.miway.co.za/blog/frequently-asked-questions-regarding-car-insurance-claims",{"start":2504,"end":2035,"type":1572},"article_content_text$db0e94fd-bf5f-4e76-bbcf-20410cba8a0f",{"variation":1557,"version":1506,"items":2510,"primary":2511,"id":2626,"slice_type":1520,"slice_label":9},[],{"heading":2512,"content":2513,"sub_sections":2517,"link_heading":1362},"How do you claim from the Road Accident Fund?",[2514],{"type":70,"text":2515,"spans":2516,"direction":73},"The RAF claim process requires prescribed documentation and supporting evidence.",[],[2518,2554,2578,2590,2617],{"subheading":2519,"list":2520,"link_subsection":1362},"Report and document the accident",[2521,2524,2527,2530,2533,2536,2539,2542,2545,2548],{"type":70,"text":2522,"spans":2523,"direction":73},"Following an accident, record as much accurate information as you safely can.",[],{"type":70,"text":2525,"spans":2526,"direction":73},"This can include:",[],{"type":1889,"text":2528,"spans":2529,"direction":73},"police accident information and the relevant reference or case number",[],{"type":1889,"text":2531,"spans":2532,"direction":73},"names and contact information for people involved",[],{"type":1889,"text":2534,"spans":2535,"direction":73},"witness information",[],{"type":1889,"text":2537,"spans":2538,"direction":73},"photographs and other evidence",[],{"type":1889,"text":2540,"spans":2541,"direction":73},"vehicle and driver details",[],{"type":1889,"text":2543,"spans":2544,"direction":73},"medical treatment information.",[],{"type":70,"text":2546,"spans":2547,"direction":73},"The RAF specifically identifies police records, witness information and medical records among the documents claimants should retain or obtain.",[],{"type":70,"text":2549,"spans":2550,"direction":73},"For a more complete accident checklist, read MiWay's step-by-step guide on what to do after a car accident in South Africa",[2551],{"start":2552,"end":2553,"type":1572},53,122,{"subheading":2555,"list":2556,"link_subsection":1362},"Get the relevant medical records",[2557,2560,2563,2566,2569,2572,2575],{"type":70,"text":2558,"spans":2559,"direction":73},"Medical evidence is particularly important because RAF compensation relates to injury and associated losses.",[],{"type":70,"text":2561,"spans":2562,"direction":73},"Keep records of:",[],{"type":1889,"text":2564,"spans":2565,"direction":73},"hospitals and medical facilities attended",[],{"type":1889,"text":2567,"spans":2568,"direction":73},"treating medical practitioners",[],{"type":1889,"text":2570,"spans":2571,"direction":73},"medical reports",[],{"type":1889,"text":2573,"spans":2574,"direction":73},"hospital and medical accounts",[],{"type":1889,"text":2576,"spans":2577,"direction":73},"ongoing treatment related to your injuries.",[],{"subheading":2579,"list":2580,"link_subsection":1362},"Complete the prescribed RAF claim forms",[2581,2584,2587],{"type":70,"text":2582,"spans":2583,"direction":73},"A RAF claim must be lodged using the prescribed documentation.",[],{"type":70,"text":2585,"spans":2586,"direction":73},"The RAF states that applicable sections of the claim form must be completed and relevant medical information supplied.",[],{"type":70,"text":2588,"spans":2589,"direction":73},"Incomplete information may result in the RAF requesting additional documentation before it can properly assess the claim.",[],{"subheading":2591,"list":2592,"link_subsection":1362},"Submit supporting evidence",[2593,2596,2599,2602,2605,2608,2611,2614],{"type":70,"text":2594,"spans":2595,"direction":73},"Depending on the claim, this could include evidence relating to:",[],{"type":1889,"text":2597,"spans":2598,"direction":73},"injuries",[],{"type":1889,"text":2600,"spans":2601,"direction":73},"medical expenses",[],{"type":1889,"text":2603,"spans":2604,"direction":73},"loss of earnings",[],{"type":1889,"text":2606,"spans":2607,"direction":73},"loss of support",[],{"type":1889,"text":2609,"spans":2610,"direction":73},"funeral expenses",[],{"type":1889,"text":2612,"spans":2613,"direction":73},"the circumstances of the accident.",[],{"type":70,"text":2615,"spans":2616,"direction":73},"The documents required will depend on the nature of the claim.",[],{"subheading":2618,"list":2619,"link_subsection":1362},"The RAF assesses the claim",[2620,2623],{"type":70,"text":2621,"spans":2622,"direction":73},"Once submitted, the RAF registers and investigates the claim.",[],{"type":70,"text":2624,"spans":2625,"direction":73},"According to its guidance, this involves considering whether the claim complies with statutory requirements, the degree of fault or negligence involved and the value of qualifying losses.",[],"article_content_text$64b3e3c7-abe0-4317-a1ee-a6aa8a16c939",{"variation":1505,"version":1506,"items":2628,"primary":2629,"id":2653,"slice_type":1520,"slice_label":9},[],{"heading":2630,"content":2631,"link_heading":1362},"How long do you have to submit a RAF claim?",[2632,2635,2641,2647,2650],{"type":70,"text":2633,"spans":2634,"direction":73},"This is one of the most important parts of the process.",[],{"type":70,"text":2636,"spans":2637,"direction":73},"Where the identity of the negligent driver or vehicle owner is known, the Road Accident Fund Act generally provides a three-year prescription period from the date the cause of action arose.",[2638],{"start":2639,"end":2640,"type":1572},118,148,{"type":70,"text":2642,"spans":2643,"direction":73},"Different requirements can apply where the responsible driver or vehicle owner cannot be identified, such as certain hit-and-run cases. Government and SANRAL guidance describes a two-year period for lodging these claims.",[2644],{"start":2645,"end":2646,"type":1572},179,219,{"type":70,"text":2648,"spans":2649,"direction":73},"There are also circumstances where different rules or exceptions may apply.",[],{"type":70,"text":2651,"spans":2652,"direction":73},"Don't wait until a deadline is approaching before seeking information about your particular claim.",[],"article_content_text$f290eab5-0c2c-4677-a63f-15ea285ad1cb",{"variation":1505,"version":1506,"items":2655,"primary":2656,"id":2671,"slice_type":1520,"slice_label":9},[],{"heading":2657,"content":2658,"link_heading":1362},"Do you need a lawyer to claim from the RAF?",[2659,2662,2668],{"type":70,"text":2660,"spans":2661,"direction":73},"Not necessarily.",[],{"type":70,"text":2663,"spans":2664,"direction":73},"The RAF states that a claimant can submit a direct claim without employing a lawyer and that RAF information officers can assist claimants. Alternatively, a claimant may choose to obtain legal representation.",[2665],{"start":2666,"end":2667,"type":1572},44,56,{"type":70,"text":2669,"spans":2670,"direction":73},"Whether professional assistance is appropriate will depend on the circumstances and complexity of the claim.",[],"article_content_text$0294b7d1-fa60-467a-aefe-fe5cb6bfc435",{"variation":1505,"version":1506,"items":2673,"primary":2674,"id":2689,"slice_type":1520,"slice_label":9},[],{"heading":2675,"content":2676,"link_heading":1362},"How long does a RAF claim take?",[2677,2680,2683,2686],{"type":70,"text":2678,"spans":2679,"direction":73},"There isn't one reliable timeframe that applies to every RAF claim.",[],{"type":70,"text":2681,"spans":2682,"direction":73},"The process can vary depending on the complexity of the accident, injuries involved, completeness of documentation, medical assessments, questions of negligence and whether disputes arise.",[],{"type":70,"text":2684,"spans":2685,"direction":73},"For that reason, the old claim-duration figure previously used in this article has not been carried forward.",[],{"type":70,"text":2687,"spans":2688,"direction":73},"Rather than relying on an average, make sure documentation is complete and keep track of correspondence and requests relating to your claim.",[],"article_content_text$34de3c37-c061-4028-ab26-90c26674221f",{"variation":1505,"version":1506,"items":2691,"primary":2692,"id":2736,"slice_type":1520,"slice_label":9},[],{"heading":2693,"content":2694,"link_heading":1362},"RAF claim vs car insurance claim: what's the difference?",[2695,2701,2703,2706,2709,2712,2715,2719,2721,2724,2727,2730,2733],{"type":70,"text":2696,"spans":2697,"direction":73},"This distinction can be confusing after an accident.\n\nRAF claim",[2698],{"start":2699,"end":2700,"type":1572},54,63,{"type":70,"text":2400,"spans":2702,"direction":73},[],{"type":70,"text":2704,"spans":2705,"direction":73},"Primarily concerns qualifying bodily injury/death-related loss",[],{"type":70,"text":2707,"spans":2708,"direction":73},"Governed by the Road Accident Fund legislation",[],{"type":70,"text":2710,"spans":2711,"direction":73},"Property damage isn't covered by RAF",[],{"type":70,"text":2713,"spans":2714,"direction":73},"May involve medical expenses and loss of earnings",[],{"type":70,"text":2716,"spans":2717,"direction":73},"Submitted to the RAF\n\nCar insurance claim",[2718],{"start":1617,"end":1961,"type":1572},{"type":70,"text":2400,"spans":2720,"direction":73},[],{"type":70,"text":2722,"spans":2723,"direction":73},"Can cover insured vehicle/property loss or damage",[],{"type":70,"text":2725,"spans":2726,"direction":73},"Governed by your insurance policy",[],{"type":70,"text":2728,"spans":2729,"direction":73},"Vehicle damage may be covered depending on your policy",[],{"type":70,"text":2731,"spans":2732,"direction":73},"May involve vehicle repair/replacement and other insured benefits",[],{"type":70,"text":2734,"spans":2735,"direction":73},"Submitted to your insurer\n\n\n",[],"article_content_text$a6dc53b0-fd03-4911-b0be-e18007877562",{"variation":1505,"version":1506,"items":2738,"primary":2739,"id":2774,"slice_type":1520,"slice_label":9},[],{"heading":2740,"content":2741,"link_heading":1362},"What documents should you keep after an accident?",[2742,2745,2748,2751,2754,2757,2759,2762,2765,2768,2771],{"type":70,"text":2743,"spans":2744,"direction":73},"Keep a complete accident file containing whatever applies to your circumstances, including:",[],{"type":1889,"text":2746,"spans":2747,"direction":73},"police accident documentation",[],{"type":1889,"text":2749,"spans":2750,"direction":73},"photographs",[],{"type":1889,"text":2752,"spans":2753,"direction":73},"witness details",[],{"type":1889,"text":2755,"spans":2756,"direction":73},"medical reports and records",[],{"type":1889,"text":2573,"spans":2758,"direction":73},[],{"type":1889,"text":2760,"spans":2761,"direction":73},"proof of income or financial loss",[],{"type":1889,"text":2763,"spans":2764,"direction":73},"relevant receipts",[],{"type":1889,"text":2766,"spans":2767,"direction":73},"correspondence relating to the accident",[],{"type":1889,"text":2769,"spans":2770,"direction":73},"insurance claim information.",[],{"type":70,"text":2772,"spans":2773,"direction":73},"Don't discard original documents simply because you've submitted copies.",[],"article_content_text$af64834c-48c1-4471-9e1b-c1cb13c86d7c",{"variation":1557,"version":1506,"items":2776,"primary":2777,"id":2819,"slice_type":1520,"slice_label":9},[],{"heading":2778,"content":2779,"sub_sections":2780,"link_heading":1362},"Road Accident Fund FAQs",[],[2781,2787,2793,2801,2807,2813],{"subheading":2782,"list":2783,"link_subsection":1362},"Can a passenger claim from the RAF?",[2784],{"type":70,"text":2785,"spans":2786,"direction":73},"A passenger injured because of negligent driving may potentially qualify to claim, depending on the circumstances and RAF requirements.",[],{"subheading":2788,"list":2789,"link_subsection":1362},"Can a pedestrian claim from the RAF?",[2790],{"type":70,"text":2791,"spans":2792,"direction":73},"Potentially, yes. The RAF provides compulsory cover to qualifying road users, which can include pedestrians injured as a result of negligent driving.",[],{"subheading":2794,"list":2795,"link_subsection":1362},"Can you claim from RAF if you caused the accident?",[2796],{"type":70,"text":2797,"spans":2798,"direction":73},"A person who was 100% responsible for causing the accident generally cannot claim compensation for their own injuries. Where responsibility is shared, the circumstances and degree of fault can affect the claim.",[2799],{"start":2800,"end":214,"type":1572},17,{"subheading":2802,"list":2803,"link_subsection":1362},"Can RAF pay for damage to my car?",[2804],{"type":70,"text":2805,"spans":2806,"direction":73},"No. The RAF expressly states that property damage cannot be claimed from the Fund. Vehicle damage may instead involve car insurance or recovery from the responsible party.",[],{"subheading":2808,"list":2809,"link_subsection":1362},"How long do I have to claim from RAF?",[2810],{"type":70,"text":2811,"spans":2812,"direction":73},"Where the negligent driver or owner is identified, the general statutory prescription period is three years. Different rules apply in certain circumstances, including unidentified-driver cases.",[],{"subheading":2814,"list":2815,"link_subsection":1362},"Do I need an attorney to lodge a RAF claim?",[2816],{"type":70,"text":2817,"spans":2818,"direction":73},"No. The RAF states that claimants can lodge claims directly, although people may choose to obtain legal representation depending on their circumstances.",[],"article_content_text$b618c7fa-6f81-46b3-80b4-694d3c9d9120",{"variation":1505,"version":1506,"items":2821,"primary":2822,"id":2849,"slice_type":1520,"slice_label":9},[],{"heading":2823,"content":2824,"link_heading":1362},"Know what to do after an accident",[2825,2831,2834,2842],{"type":70,"text":2826,"spans":2827,"direction":73},"An accident can involve several different processes at once. Medical treatment, police reporting, a RAF claim and a car insurance claim may each have different requirements.",[2828],{"start":2829,"end":2830,"type":1572},116,129,{"type":70,"text":2832,"spans":2833,"direction":73},"Knowing which process applies — and keeping accurate records from the beginning — can make the next steps easier.",[],{"type":70,"text":2835,"spans":2836,"direction":73},"If your vehicle has been damaged, learn how Miway's claims process works.",[2837,2841],{"start":2035,"end":2838,"type":216,"data":2839},72,{"link_type":78,"url":2840,"target":2290},"https://www.miway.co.za/blog/car-insurance/know-your-way-through-a-claim",{"start":2035,"end":2838,"type":1572},{"type":70,"text":2843,"spans":2844,"direction":73},"Looking for cover before the unexpected happens? Get a Miway car insurance quote.",[2845,2848],{"start":2846,"end":722,"type":216,"data":2847},49,{"link_type":78,"url":2295,"target":2290},{"start":2846,"end":722,"type":1572},"article_content_text$df6f036a-de0e-48bb-8f6d-e7c8cc28aa79","Claiming from the Road Accident Fund | Miway Car Insurance","The Road Accident Fund is a statutory body that, in terms of the provisions of the Road Accident Fund Act exists to provide compulsory cover to all users of SA roads","car insurance, road accident fund",{"dimensions":2854,"alt":9,"copyright":9,"url":2855,"id":2349,"edit":2856},{"width":1790,"height":1791},"https://images.prismic.io/miway-website/Z6MzbZbqstJ9-Pc-_ClaimingFromTheRoadAccidentFund.jpeg?auto=format,compress&rect=159,0,731,384&w=2400&h=1260",{"x":2496,"y":28,"zoom":29,"background":30},{"link_type":35},[2859],{"type":70,"text":2860,"spans":2861,"direction":73},"The Road Accident Fund, or RAF, is a statutory body that, in terms of the provisions of the Road Accident Fund Act (Act 56 of 1996).",[],{"id":2863,"type":2310,"tags":2864,"lang":16,"slug":2865,"first_publication_date":2866,"last_publication_date":2867,"uid":2868,"link_type":393,"key":2869,"isBroken":395},"ZwY4_BAAACAAqBd3",[],"need-some-help","2024-10-09T08:04:18+0000","2025-05-26T06:48:28+0000","test-block","a01e39f1-8379-4d2f-8598-74f9a88e431e",[],{"dimensions":2872,"alt":2347,"copyright":9,"url":2348,"id":2349,"edit":2873},{"width":2345,"height":2346},{"x":28,"y":28,"zoom":29,"background":30},{"id":2875,"uid":2876,"url":2877,"type":1468,"href":2878,"tags":2879,"first_publication_date":2880,"last_publication_date":2881,"slugs":2882,"linked_documents":2883,"lang":16,"alternate_languages":2884,"data":2885},"Z9gQ1BAAACcA7hM2","road-rage-drivers-vs-pedestrians","/blog/road-rage-drivers-vs-pedestrians","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=apWEFBIAACwAyRLh&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z9gQ1BAAACcA7hM2%22%29+%5D%5D",[1813,996,688],"2025-03-17T12:08:54+0000","2026-08-31T10:09:01+0000",[1818],[],[],{"date":1822,"heading":2886,"duration":1824,"article_type":2887,"category":2890,"related_product":2894,"thumbnail":2897,"type":1502,"related_insurance":1845,"slices":2904,"meta_title":2886,"meta_description":3418,"meta_keywords":9,"meta_image":3419,"canonical":3424,"intro":3425,"author":1800,"service_block":3428,"in_this_article":3431,"hero_image":3434},"Road Rage: Drivers vs pedestrians",{"id":1337,"type":1338,"tags":2888,"lang":16,"slug":1340,"first_publication_date":1341,"last_publication_date":1341,"uid":1340,"url":1342,"link_type":393,"key":2889,"isBroken":395},[],"e2f1ce10-0697-4a83-ac64-2589f3a6382a",{"id":1483,"type":1484,"tags":2891,"lang":16,"slug":1486,"first_publication_date":1487,"last_publication_date":1488,"uid":1489,"url":1342,"data":2892,"link_type":393,"key":2893,"isBroken":395},[],{"name":1831,"tag":1832},"bfe08707-0975-4892-81c9-90609f48bc31",{"id":849,"type":515,"tags":2895,"lang":16,"slug":851,"first_publication_date":852,"last_publication_date":853,"uid":851,"url":854,"link_type":393,"key":2896,"isBroken":395},[688,517,519],"c3ca84ae-5d05-4662-9ce7-47617dd26c6c",{"dimensions":2898,"alt":9,"copyright":9,"url":2901,"id":2902,"edit":2903},{"width":2899,"height":2900},1264,269,"https://images.prismic.io/miway-website/Z9gQWziBA97Gii_x_Road_Rage-Drivers_vs_pedestrians.jpeg?auto=format,compress","Z9gQWziBA97Gii_x",{"x":28,"y":28,"zoom":29,"background":30},[2905,2931,2968,2991,3067,3106,3129,3176,3214,3236,3270,3290,3345,3383],{"variation":1505,"version":1506,"items":2906,"primary":2907,"id":2930,"slice_type":1520,"slice_label":9},[],{"heading":9,"content":2908,"link_heading":1362},[2909,2915,2920,2923,2927],{"type":70,"text":2910,"spans":2911,"direction":73},"Road rage isn't always driver versus driver. Frustration can also build between motorists and pedestrians at crossings, intersections, taxi stops, busy shopping areas and residential streets.",[2912],{"start":722,"end":2913,"type":216,"data":2914},89,{"link_type":78,"url":1871,"target":135},{"type":70,"text":2916,"spans":2917,"direction":73},"But road safety shouldn't become drivers versus pedestrians.",[2918],{"start":1009,"end":2919,"type":1572},59,{"type":70,"text":2921,"spans":2922,"direction":73},"We're all road users, and pedestrians are particularly vulnerable when something goes wrong. The safest response to frustration is to slow things down, avoid confrontation and give everyone enough time and space to move safely.",[],{"type":70,"text":2924,"spans":2925,"direction":73},"According to the RTMC State of Road Safety Report 2025, 58.7% of pedestrian fatalities recorded during 2025 occurred on Fridays, Saturdays and Sundays.",[2926],{"start":2800,"end":2699,"type":1572},{"type":70,"text":2928,"spans":2929,"direction":73},"Here's how motorists and pedestrians can help reduce conflict and make South African roads safer.",[],"article_content_text$5196431d-9cdd-4be6-a267-2b3e8b34a5cd",{"variation":1505,"version":1506,"items":2932,"primary":2933,"id":2967,"slice_type":1520,"slice_label":9},[],{"heading":1877,"content":2934,"link_heading":1362},[2935,2938,2941,2944,2946,2949,2952,2955,2958,2961,2964],{"type":70,"text":2936,"spans":2937,"direction":73},"Road rage is more than simply feeling irritated in traffic.",[],{"type":70,"text":2939,"spans":2940,"direction":73},"The South African Police Service describes aggressive driving as deliberately unsafe driving behaviour carried out with ill intention or disregard for safety. In extreme situations, aggressive driving can escalate into road rage.",[],{"type":70,"text":2942,"spans":2943,"direction":73},"Examples of aggressive behaviour can include deliberately:",[],{"type":1889,"text":1890,"spans":2945,"direction":73},[],{"type":1889,"text":2947,"spans":2948,"direction":73},"blocking another road user",[],{"type":1889,"text":2950,"spans":2951,"direction":73},"making threatening gestures",[],{"type":1889,"text":2953,"spans":2954,"direction":73},"using a vehicle to intimidate someone",[],{"type":1889,"text":2956,"spans":2957,"direction":73},"confronting another road user aggressively.",[],{"type":70,"text":2959,"spans":2960,"direction":73},"Someone making a mistake isn't automatically showing road rage.",[],{"type":70,"text":2962,"spans":2963,"direction":73},"That distinction matters.",[],{"type":70,"text":2965,"spans":2966,"direction":73},"A pedestrian crossing unexpectedly, a driver missing a turn or someone misunderstanding who should move first can be frustrating  but frustration doesn't need to become confrontation.",[],"article_content_text$e4534f1b-277c-4f09-8b19-8590481766e0",{"variation":1505,"version":1506,"items":2969,"primary":2970,"id":2990,"slice_type":1520,"slice_label":9},[],{"heading":2971,"content":2972,"link_heading":1362},"Why are pedestrians particularly vulnerable?",[2973,2976,2979,2982,2985],{"type":70,"text":2974,"spans":2975,"direction":73},"A pedestrian doesn't have a vehicle body, airbags or other built-in vehicle protection around them.",[],{"type":70,"text":2977,"spans":2978,"direction":73},"That means motorists need to be particularly alert anywhere people are likely to cross or walk close to traffic.",[],{"type":70,"text":2980,"spans":2981,"direction":73},"South African research into pedestrian safety has also found associations between unsafe driving behaviour and factors including aggression, impulsivity, risk tolerance and attitudes towards the law.",[],{"type":70,"text":2983,"spans":2984,"direction":73},"The takeaway is simple:",[],{"type":70,"text":2986,"spans":2987,"direction":73},"Being technically right isn't more important than preventing an accident.",[2988],{"start":28,"end":2989,"type":1572},73,"article_content_text$b7e8b8b7-bf37-4290-80c5-16952671d0eb",{"variation":1505,"version":1506,"items":2992,"primary":2993,"id":3066,"slice_type":1520,"slice_label":9},[],{"heading":2994,"content":2995,"link_heading":1362},"How can drivers help keep pedestrians safe?",[2996,3000,3003,3006,3009,3012,3015,3018,3021,3024,3029,3032,3035,3038,3043,3046,3049,3052,3057,3060,3063],{"type":70,"text":2997,"spans":2998,"direction":73},"Slow down where people are likely to cross",[2999],{"start":28,"end":1977,"type":1572},{"type":70,"text":3001,"spans":3002,"direction":73},"Reduce your speed around:",[],{"type":1889,"text":3004,"spans":3005,"direction":73},"schools",[],{"type":1889,"text":3007,"spans":3008,"direction":73},"residential areas",[],{"type":1889,"text":3010,"spans":3011,"direction":73},"shopping districts",[],{"type":1889,"text":3013,"spans":3014,"direction":73},"taxi and bus stops",[],{"type":1889,"text":3016,"spans":3017,"direction":73},"pedestrian crossings",[],{"type":1889,"text":3019,"spans":3020,"direction":73},"busy intersections.",[],{"type":70,"text":3022,"spans":3023,"direction":73},"A pedestrian may make a mistake. As the person controlling the heavier and faster vehicle, staying alert gives you more opportunity to respond safely.",[],{"type":70,"text":3025,"spans":3026,"direction":73},"Expect the unexpected",[3027],{"start":28,"end":3028,"type":1572},21,{"type":70,"text":3030,"spans":3031,"direction":73},"Don't assume someone standing beside the road has seen you.",[],{"type":70,"text":3033,"spans":3034,"direction":73},"A pedestrian may be distracted, have limited visibility or simply misjudge your speed.",[],{"type":70,"text":3036,"spans":3037,"direction":73},"Look ahead and be prepared to slow down.",[],{"type":70,"text":3039,"spans":3040,"direction":73},"Avoid distracted driving",[3041],{"start":28,"end":3042,"type":1572},24,{"type":70,"text":3044,"spans":3045,"direction":73},"Your phone can wait.",[],{"type":70,"text":3047,"spans":3048,"direction":73},"Taking your eyes off the road for even a short period reduces your awareness of pedestrians, cyclists, vehicles and changing traffic conditions.",[],{"type":70,"text":3050,"spans":3051,"direction":73},"Keep your attention on driving.",[],{"type":70,"text":3053,"spans":3054,"direction":73},"Give people time to cross",[3055],{"start":28,"end":3056,"type":1572},25,{"type":70,"text":3058,"spans":3059,"direction":73},"Impatience can turn an ordinary crossing into an unnecessary confrontation.",[],{"type":70,"text":3061,"spans":3062,"direction":73},"Don't aggressively rev, hoot or move towards someone to hurry them across.",[],{"type":70,"text":3064,"spans":3065,"direction":73},"Give pedestrians reasonable time and space to cross safely.",[],"article_content_text$ec0c92f0-4ed0-4186-a879-91d67903ced3",{"variation":1505,"version":1506,"items":3068,"primary":3069,"id":3105,"slice_type":1520,"slice_label":9},[],{"heading":3070,"content":3071,"link_heading":1362},"How can pedestrians stay safer around traffic?",[3072,3075,3078,3081,3084,3087,3090,3093,3096,3099,3102],{"type":70,"text":3073,"spans":3074,"direction":73},"Road safety is a shared responsibility.",[],{"type":70,"text":3076,"spans":3077,"direction":73},"Pedestrians can reduce their risk by:",[],{"type":1889,"text":3079,"spans":3080,"direction":73},"using designated crossings where available",[],{"type":1889,"text":3082,"spans":3083,"direction":73},"following pedestrian traffic signals",[],{"type":1889,"text":3085,"spans":3086,"direction":73},"checking carefully before entering the road",[],{"type":1889,"text":3088,"spans":3089,"direction":73},"avoiding sudden movements into traffic",[],{"type":1889,"text":3091,"spans":3092,"direction":73},"staying alert around vehicles",[],{"type":1889,"text":3094,"spans":3095,"direction":73},"avoiding unnecessary phone distraction while crossing",[],{"type":1889,"text":3097,"spans":3098,"direction":73},"making themselves easier to see in poor visibility.",[],{"type":70,"text":3100,"spans":3101,"direction":73},"Don't assume that a driver has seen you simply because you can see the vehicle.",[],{"type":70,"text":3103,"spans":3104,"direction":73},"Wait until you're confident it's safe before crossing.",[],"article_content_text$1585c750-9128-4efd-9546-96f76491da7c",{"variation":1505,"version":1506,"items":3107,"primary":3108,"id":3128,"slice_type":1520,"slice_label":9},[],{"heading":3109,"content":3110,"link_heading":1362},"Should drivers and pedestrians make eye contact?",[3111,3114,3117,3120,3125],{"type":70,"text":3112,"spans":3113,"direction":73},"Eye contact can sometimes help confirm that you've seen one another, but it shouldn't replace normal road-safety checks.",[],{"type":70,"text":3115,"spans":3116,"direction":73},"The old version of this article recommended making eye contact as a primary technique.",[],{"type":70,"text":3118,"spans":3119,"direction":73},"A safer principle is:",[],{"type":70,"text":3121,"spans":3122,"direction":73},"Look for clear confirmation that the other road user has noticed you, but never assume eye contact means it is automatically safe to proceed.",[3123],{"start":28,"end":3124,"type":1572},141,{"type":70,"text":3126,"spans":3127,"direction":73},"Check the traffic situation itself before moving.",[],"article_content_text$b46a9846-cba6-4969-a96c-0d001054a8c3",{"variation":1505,"version":1506,"items":3130,"primary":3131,"id":3175,"slice_type":1520,"slice_label":9},[],{"heading":3132,"content":3133,"link_heading":1362},"What should you do when another road user becomes aggressive?",[3134,3137,3140,3143,3146,3149,3152,3155,3158,3161,3167],{"type":70,"text":3135,"spans":3136,"direction":73},"Don't try to win the argument.",[],{"type":70,"text":3138,"spans":3139,"direction":73},"SAPS recommends avoiding conflict, controlling your own anger and creating distance from aggressive road users.",[],{"type":70,"text":3141,"spans":3142,"direction":73},"If you're driving:",[],{"type":1889,"text":3144,"spans":3145,"direction":73},"don't retaliate",[],{"type":1889,"text":3147,"spans":3148,"direction":73},"avoid hostile gestures",[],{"type":1889,"text":3150,"spans":3151,"direction":73},"don't deliberately block someone",[],{"type":1889,"text":3153,"spans":3154,"direction":73},"create space where possible",[],{"type":1889,"text":3156,"spans":3157,"direction":73},"remain inside your vehicle if confronted",[],{"type":1889,"text":3159,"spans":3160,"direction":73},"move towards a safe, public location if you feel threatened.",[],{"type":70,"text":3162,"spans":3163,"direction":73},"If an aggressive situation becomes threatening, SAPS advises motorists to contact 10111 or drive to the nearest police station.",[3164],{"start":3165,"end":3166,"type":1572},82,87,{"type":70,"text":3168,"spans":3169,"direction":73},"Miway's guide to dealing with road rage provides additional advice for handling an aggressive-driver situation.",[3170,3174],{"start":2504,"end":3171,"type":216,"data":3172},39,{"link_type":78,"url":3173,"target":2290},"https://www.miway.co.za/blog/road-rage-and-how-to-deal-with-it",{"start":2504,"end":3171,"type":1572},"article_content_text$577f75eb-7e88-4104-8d47-d45f072f15ec",{"variation":1505,"version":1506,"items":3177,"primary":3178,"id":3213,"slice_type":1520,"slice_label":9},[],{"heading":3179,"content":3180,"link_heading":1362},"What if you're the person getting angry?",[3181,3184,3187,3190,3193,3196,3199,3201,3204,3207,3210],{"type":70,"text":3182,"spans":3183,"direction":73},"Traffic can test anyone's patience.",[],{"type":70,"text":3185,"spans":3186,"direction":73},"Someone walks across unexpectedly. A driver cuts you off. A taxi stops suddenly. The robot changes just as you're approaching.",[],{"type":70,"text":3188,"spans":3189,"direction":73},"Your reaction is the part you can control.",[],{"type":70,"text":3191,"spans":3192,"direction":73},"Current South African analysis of road rage highlights the importance of recognising escalation early, disengaging, creating distance and prioritising safety over proving who is right.",[],{"type":70,"text":3194,"spans":3195,"direction":73},"If you feel yourself getting angry:",[],{"type":1889,"text":3197,"spans":3198,"direction":73},"increase the distance between yourself and the situation",[],{"type":1889,"text":3144,"spans":3200,"direction":73},[],{"type":1889,"text":3202,"spans":3203,"direction":73},"avoid prolonged confrontation",[],{"type":1889,"text":3205,"spans":3206,"direction":73},"give yourself additional travel time",[],{"type":1889,"text":3208,"spans":3209,"direction":73},"pull over somewhere safe if you need time to settle before continuing.",[],{"type":70,"text":3211,"spans":3212,"direction":73},"A few seconds of frustration isn't worth turning into a dangerous situation.",[],"article_content_text$f6351083-6680-4868-b9ef-21599636d1c1",{"variation":1505,"version":1506,"items":3215,"primary":3216,"id":3235,"slice_type":1520,"slice_label":9},[],{"heading":3217,"content":3218,"link_heading":1362},"What about alcohol and road safety?",[3219,3222,3225,3228,3232],{"type":70,"text":3220,"spans":3221,"direction":73},"Alcohol can impair judgement, coordination and decision-making.",[],{"type":70,"text":3223,"spans":3224,"direction":73},"The old article focused on both \"drunk drivers\" and \"drunk pedestrians\".",[],{"type":70,"text":3226,"spans":3227,"direction":73},"The updated message should be simpler:",[],{"type":70,"text":3229,"spans":3230,"direction":73},"Don't drive after drinking, and don't put yourself in a dangerous traffic environment when your judgement or coordination is impaired.",[3231],{"start":28,"end":1552,"type":1572},{"type":70,"text":3233,"spans":3234,"direction":73},"For motorists, the responsibility is especially significant because you're controlling a vehicle capable of causing serious harm.",[],"article_content_text$11e4ed9a-01ac-4269-8c04-111e0879677a",{"variation":1505,"version":1506,"items":3237,"primary":3238,"id":3269,"slice_type":1520,"slice_label":9},[],{"heading":3239,"content":3240,"link_heading":1362},"What should you do if an accident happens?",[3241,3244,3247,3250,3253,3256,3259,3262,3265],{"type":70,"text":3242,"spans":3243,"direction":73},"Even careful road users can be involved in accidents.",[],{"type":70,"text":3245,"spans":3246,"direction":73},"If a collision occurs:",[],{"type":2085,"text":3248,"spans":3249,"direction":73},"Stop and prioritise immediate safety.",[],{"type":2085,"text":3251,"spans":3252,"direction":73},"Check whether anyone needs emergency assistance.",[],{"type":2085,"text":3254,"spans":3255,"direction":73},"Avoid arguments or confrontations.",[],{"type":2085,"text":3257,"spans":3258,"direction":73},"Record the relevant accident information when safe.",[],{"type":2085,"text":3260,"spans":3261,"direction":73},"Follow applicable reporting requirements.",[],{"type":2085,"text":3263,"spans":3264,"direction":73},"Contact your insurer and follow the required claims process.",[],{"type":70,"text":3266,"spans":3267,"direction":73},"MiWay's step-by-step guide on what to do after a car accident explains the process in more detail.",[3268],{"start":2504,"end":2004,"type":1572},"article_content_text$3dd565db-d1de-4f04-b85a-033219b483b8",{"variation":1505,"version":1506,"items":3271,"primary":3272,"id":3289,"slice_type":1520,"slice_label":9},[],{"heading":2257,"content":3273,"link_heading":1362},[3274,3277,3282,3286],{"type":70,"text":3275,"spans":3276,"direction":73},"The circumstances surrounding an incident matter.",[],{"type":70,"text":3278,"spans":3279,"direction":73},"Car insurance is designed to provide protection according to the cover, terms, conditions and exclusions in your policy. It shouldn't be treated as protection against the consequences of deliberately dangerous behaviour.",[3280],{"start":28,"end":3281,"type":1572},13,{"type":70,"text":3283,"spans":3284,"direction":73},"If an incident leads to vehicle damage, give your insurer an accurate account of what happened and provide the information required to assess the car insurance claim.",[3285],{"start":2495,"end":2496,"type":1572},{"type":70,"text":3287,"spans":3288,"direction":73},"Don't assume an incident will automatically be covered or declined simply because road rage was involved. The individual circumstances and policy terms need to be considered.",[],"article_content_text$d0249931-8d28-4802-9fde-3aa4c29bbd58",{"variation":1505,"version":1506,"items":3291,"primary":3292,"id":3344,"slice_type":1520,"slice_label":9},[],{"heading":3293,"content":3294,"link_heading":1362},"Drivers and pedestrians: quick safety checklist",[3295,3298,3301,3304,3307,3310,3313,3316,3319,3322,3325,3328,3331,3334,3337,3340],{"type":70,"text":3296,"spans":3297,"direction":73},"For motorists:",[],{"type":1889,"text":3299,"spans":3300,"direction":73},"Slow down around pedestrian activity",[],{"type":1889,"text":3302,"spans":3303,"direction":73},"Keep your phone away while driving",[],{"type":1889,"text":3305,"spans":3306,"direction":73},"Expect people to make mistakes",[],{"type":1889,"text":3308,"spans":3309,"direction":73},"Give pedestrians room",[],{"type":1889,"text":3311,"spans":3312,"direction":73},"Don't retaliate when frustrated",[],{"type":1889,"text":3314,"spans":3315,"direction":73},"Create distance from aggressive road users.",[],{"type":70,"text":3317,"spans":3318,"direction":73},"For pedestrians:",[],{"type":1889,"text":3320,"spans":3321,"direction":73},"Use safe crossing points where available",[],{"type":1889,"text":3323,"spans":3324,"direction":73},"Follow traffic signals",[],{"type":1889,"text":3326,"spans":3327,"direction":73},"Check carefully before crossing",[],{"type":1889,"text":3329,"spans":3330,"direction":73},"Stay aware of vehicles",[],{"type":1889,"text":3332,"spans":3333,"direction":73},"Avoid unnecessary phone distraction",[],{"type":1889,"text":3335,"spans":3336,"direction":73},"Make yourself visible in poor conditions.",[],{"type":70,"text":3338,"spans":3339,"direction":73},"For everyone:",[],{"type":70,"text":3341,"spans":3342,"direction":73},"Don't turn a mistake into a confrontation.",[3343],{"start":28,"end":1977,"type":1572},"article_content_text$4bf962ae-1d61-4a6e-a9c9-39ae2758f6b9",{"variation":1557,"version":1506,"items":3346,"primary":3347,"id":3382,"slice_type":1520,"slice_label":9},[],{"heading":3348,"content":3349,"sub_sections":3350,"link_heading":1362},"Road rage and pedestrian safety FAQs",[],[3351,3357,3363,3369,3375],{"subheading":3352,"list":3353,"link_subsection":1362},"Can road rage involve pedestrians?",[3354],{"type":70,"text":3355,"spans":3356,"direction":73},"Yes. Road rage and aggressive behaviour aren't limited to disputes between two motorists. Conflict can also develop between drivers and other road users, including pedestrians.",[],{"subheading":3358,"list":3359,"link_subsection":1362},"What should I do if another road user becomes aggressive?",[3360],{"type":70,"text":3361,"spans":3362,"direction":73},"Avoid engaging or retaliating. Create distance and move towards safety. If you're driving and feel threatened, SAPS advises remaining secure in your vehicle and contacting 10111 or driving to the nearest police station.",[],{"subheading":3364,"list":3365,"link_subsection":1362},"Should pedestrians always assume a driver has seen them?",[3366],{"type":70,"text":3367,"spans":3368,"direction":73},"No. Even when you believe a driver should stop, confirm that the traffic situation is safe before entering or continuing across the road.",[],{"subheading":3370,"list":3371,"link_subsection":1362},"Why should drivers be particularly careful around pedestrians?",[3372],{"type":70,"text":3373,"spans":3374,"direction":73},"Pedestrians are vulnerable road users because they don't have the physical protection available to occupants of vehicles. Drivers should therefore remain alert and allow sufficient time and space to respond safely.",[],{"subheading":3376,"list":3377,"link_subsection":1362},"Can road rage affect car insurance?",[3378],{"type":70,"text":3379,"spans":3380,"direction":73},"If an incident results in vehicle damage, whether a car insurance claim is covered depends on the circumstances and the terms, conditions and exclusions of the policy.",[3381],{"start":2216,"end":1924,"type":1572},"article_content_text$89eed3f2-6562-4fac-a691-ae7ec1c4332c",{"variation":1505,"version":1506,"items":3384,"primary":3385,"id":3417,"slice_type":1520,"slice_label":9},[],{"heading":3386,"content":3387,"link_heading":1362},"Share the road, not the rage",[3388,3391,3394,3397,3400,3407],{"type":70,"text":3389,"spans":3390,"direction":73},"Drivers and pedestrians won't always agree.",[],{"type":70,"text":3392,"spans":3393,"direction":73},"Someone will eventually make a mistake, move too slowly, misunderstand a signal or get in your way.",[],{"type":70,"text":3395,"spans":3396,"direction":73},"What matters is what happens next.",[],{"type":70,"text":3398,"spans":3399,"direction":73},"Slow down, create space and don't let a few seconds of frustration turn into something more serious.",[],{"type":70,"text":3401,"spans":3402,"direction":73},"For additional road-safety information, read MiWay's road rage safety guide.",[3403,3406],{"start":2552,"end":3404,"type":216,"data":3405},75,{"link_type":78,"url":3173,"target":2290},{"start":2552,"end":3404,"type":1572},{"type":70,"text":3408,"spans":3409,"direction":73},"And because not every road incident can be prevented, learn more about MiWay car insurance or get a car insurance quote to find cover that suits the way you drive.",[3410,3413,3414,3416],{"start":2699,"end":3411,"type":216,"data":3412},90,{"link_type":78,"url":2289,"target":2290},{"start":2699,"end":3411,"type":1572},{"start":2397,"end":2360,"type":216,"data":3415},{"link_type":78,"url":2295,"target":2290},{"start":2397,"end":2360,"type":1572},"article_content_text$09d78100-cd19-4aff-84fa-24663592f398","Road rage is a major problem on our roads every day; causing anger, stress, anxiety, and accidents.",{"dimensions":3420,"alt":9,"copyright":9,"url":3421,"id":2902,"edit":3422},{"width":1790,"height":1791},"https://images.prismic.io/miway-website/Z9gQWziBA97Gii_x_Road_Rage-Drivers_vs_pedestrians.jpeg?auto=format,compress&rect=376,0,512,269&w=2400&h=1260",{"x":3423,"y":28,"zoom":29,"background":30},376,{"link_type":35},[3426],{"type":70,"text":3418,"spans":3427,"direction":73},[],{"id":2309,"type":2310,"tags":3429,"lang":16,"slug":631,"first_publication_date":2312,"last_publication_date":2313,"uid":2314,"link_type":393,"key":3430,"isBroken":395},[],"3dce575d-a39f-4c1f-9b09-58b8b1fee77d",[3432],{"text":3433},"Here are some guidelines for drivers and pedestrians to avoid road rage.",{"dimensions":3435,"alt":9,"copyright":9,"url":2901,"id":2902,"edit":3436},{"width":2899,"height":2900},{"x":28,"y":28,"zoom":29,"background":30},{"id":3438,"uid":3439,"url":3440,"type":1468,"href":3441,"tags":3442,"first_publication_date":3443,"last_publication_date":3444,"slugs":3445,"linked_documents":3447,"lang":16,"alternate_languages":3448,"data":3449},"Z-K8gBEAACQA0T1I","7-ways-to-have-the-coolest-car-this-summer","/blog/7-ways-to-have-the-coolest-car-this-summer","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=apWEFBIAACwAyRLh&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z-K8gBEAACQA0T1I%22%29+%5D%5D",[688,996,1814],"2025-03-25T14:24:02+0000","2026-08-31T06:48:01+0000",[3446],"2026-08-28t0700000000",[],[],{"date":3450,"heading":3451,"duration":123,"article_type":3452,"category":3455,"related_product":3459,"thumbnail":3462,"type":1502,"related_insurance":1845,"slices":3468,"meta_title":3888,"meta_description":3889,"meta_keywords":9,"meta_image":3890,"canonical":3894,"intro":3895,"author":1800,"service_block":3899,"in_this_article":3902,"hero_image":3903},"2026-08-28T07:00:00+0000","7 ways to have the coolest car this summer",{"id":1337,"type":1338,"tags":3453,"lang":16,"slug":1340,"first_publication_date":1341,"last_publication_date":1341,"uid":1340,"url":1342,"link_type":393,"key":3454,"isBroken":395},[],"ae71d7b6-b123-434e-922a-08c83bc99e27",{"id":1483,"type":1484,"tags":3456,"lang":16,"slug":1486,"first_publication_date":1487,"last_publication_date":1488,"uid":1489,"url":1342,"data":3457,"link_type":393,"key":3458,"isBroken":395},[],{"name":1831,"tag":1832},"5a184f96-ef04-43e6-9bbc-27a855c450bb",{"id":626,"type":515,"tags":3460,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":3461,"isBroken":395},[519],"81b0defe-9e29-4475-a146-07812dd5d3ae",{"dimensions":3463,"alt":3464,"copyright":9,"url":3465,"id":3466,"edit":3467},{"width":2345,"height":2346},"car insurance this summer","https://images.prismic.io/miway-website/Z-K743dAxsiBv4M2_7-ways-to-have-the-coolest-car-this-summer.jpeg?auto=format,compress","Z-K743dAxsiBv4M2",{"x":28,"y":28,"zoom":29,"background":30},[3469,3685,3711,3744,3771,3812,3861],{"variation":1557,"version":1506,"items":3470,"primary":3471,"id":3684,"slice_type":1520,"slice_label":9},[],{"heading":3472,"content":3473,"sub_sections":3483,"link_heading":1362},"What a summer!",[3474,3477,3480],{"type":70,"text":3475,"spans":3476,"direction":73},"When the South African sun really gets going, climbing into a car that's been parked outside can feel like opening an oven door.",[],{"type":70,"text":3478,"spans":3479,"direction":73},"But summer heat isn't only uncomfortable. Long periods of high temperatures and direct sunlight can also put extra strain on your car's battery, tyres, air-conditioning system, interior and paintwork.",[],{"type":70,"text":3481,"spans":3482,"direction":73},"Whether you're tackling the daily commute or getting ready for a summer road trip, these seven tips can help you keep your ride , and yourself  a little cooler.",[],[3484,3506,3530,3554,3584,3620,3651],{"subheading":3485,"list":3486,"link_subsection":1362},"Park smart and keep your car covered",[3487,3490,3493,3496,3499,3502],{"type":70,"text":3488,"spans":3489,"direction":73},"The simplest way to keep your car cooler is to reduce the amount of direct sunlight it absorbs.",[],{"type":70,"text":3491,"spans":3492,"direction":73},"A garage or secure covered parking area is ideal.",[],{"type":70,"text":3494,"spans":3495,"direction":73},"When that's not available, look for sensible shade where it doesn't introduce other risks, such as unstable tree branches.",[],{"type":70,"text":3497,"spans":3498,"direction":73},"If your vehicle regularly spends long periods outside, a suitable car cover can also help protect the exterior from prolonged exposure.",[],{"type":70,"text":3500,"spans":3501,"direction":73},"Direct sunlight over time can contribute to deterioration of paintwork and interior materials. Discovery's current summer-car guidance similarly recommends protecting vehicles from prolonged exposure to intense sunlight.",[],{"type":70,"text":3503,"spans":3504,"direction":73},"Want more detail? Read Miway's guide to ways the environment can damage your car.",[3505],{"start":2293,"end":722,"type":1572},{"subheading":3507,"list":3508,"link_subsection":1362},"Give your windscreen and dashboard some shade",[3509,3512,3515,3518,3521,3524,3527],{"type":70,"text":3510,"spans":3511,"direction":73},"Ever returned to your car and discovered that the steering wheel is almost too hot to touch?",[],{"type":70,"text":3513,"spans":3514,"direction":73},"A windscreen sunshade can help reduce the amount of direct sunlight reaching the dashboard, steering wheel and front seats while your vehicle is parked.",[],{"type":70,"text":3516,"spans":3517,"direction":73},"Depending on your vehicle, you can also:",[],{"type":1889,"text":3519,"spans":3520,"direction":73},"use suitable rear-window shades where legally and safely appropriate",[],{"type":1889,"text":3522,"spans":3523,"direction":73},"choose covered parking",[],{"type":1889,"text":3525,"spans":3526,"direction":73},"keep heat-sensitive belongings out of direct sunlight.",[],{"type":70,"text":3528,"spans":3529,"direction":73},"A simple sunshade won't turn your cabin into an igloo, but it can make getting back into the car much more comfortable.",[],{"subheading":3531,"list":3532,"link_subsection":1362},"Let trapped heat escape before turning the aircon up",[3533,3536,3539,3542,3545,3548,3551],{"type":70,"text":3534,"spans":3535,"direction":73},"When you first get into a very hot car, don't expect the air-conditioning system to work miracles instantly.",[],{"type":70,"text":3537,"spans":3538,"direction":73},"If it is safe to do so, open the doors or windows briefly to allow some of the trapped hot air to escape.",[],{"type":70,"text":3540,"spans":3541,"direction":73},"Then:",[],{"type":2085,"text":3543,"spans":3544,"direction":73},"Close the doors and windows.",[],{"type":2085,"text":3546,"spans":3547,"direction":73},"Start cooling the cabin with the air-conditioning.",[],{"type":2085,"text":3549,"spans":3550,"direction":73},"Use your vehicle's climate-control settings as recommended by the manufacturer.",[],{"type":70,"text":3552,"spans":3553,"direction":73},"This helps the air-conditioning work on cooling the cabin rather than fighting all the hot air that has built up while the vehicle was parked.",[],{"subheading":3555,"list":3556,"link_subsection":1362},"Look after your car's air-conditioning",[3557,3560,3563,3566,3569,3572,3575,3578,3581],{"type":70,"text":3558,"spans":3559,"direction":73},"Nobody wants to discover during a scorching Johannesburg afternoon that their car's aircon has decided to take the day off.",[],{"type":70,"text":3561,"spans":3562,"direction":73},"Your vehicle's air-conditioning system needs maintenance too.",[],{"type":70,"text":3564,"spans":3565,"direction":73},"Signs that it may need attention include:",[],{"type":1889,"text":3567,"spans":3568,"direction":73},"noticeably weaker airflow",[],{"type":1889,"text":3570,"spans":3571,"direction":73},"air that isn't cooling properly",[],{"type":1889,"text":3573,"spans":3574,"direction":73},"unusual smells",[],{"type":1889,"text":3576,"spans":3577,"direction":73},"strange noises when the system is running.",[],{"type":70,"text":3579,"spans":3580,"direction":73},"Cars.co.za recommends routine air-conditioning care, including checking filters and having problems investigated before they become more expensive repairs.",[],{"type":70,"text":3582,"spans":3583,"direction":73},"If something doesn't seem right, have the system inspected by an appropriate technician rather than waiting until the middle of a heatwave.",[],{"subheading":3585,"list":3586,"link_subsection":1362},"Keep an eye on your tyres",[3587,3590,3593,3596,3599,3602,3605,3608,3611,3614,3617],{"type":70,"text":3588,"spans":3589,"direction":73},"Hot roads, long journeys and incorrectly inflated tyres aren't a great combination.",[],{"type":70,"text":3591,"spans":3592,"direction":73},"Tyre pressure changes with temperature, which means you shouldn't guess what pressure your tyres need simply because the weather is hot.",[],{"type":70,"text":3594,"spans":3595,"direction":73},"Use the pressure recommended by your vehicle manufacturer for the vehicle and load.",[],{"type":70,"text":3597,"spans":3598,"direction":73},"Before a long summer drive, check:",[],{"type":1889,"text":3600,"spans":3601,"direction":73},"tyre pressure",[],{"type":1889,"text":3603,"spans":3604,"direction":73},"tread",[],{"type":1889,"text":3606,"spans":3607,"direction":73},"sidewalls",[],{"type":1889,"text":3609,"spans":3610,"direction":73},"the spare tyre",[],{"type":1889,"text":3612,"spans":3613,"direction":73},"any signs of unusual wear or damage.",[],{"type":70,"text":3615,"spans":3616,"direction":73},"Don't deliberately overinflate your tyres to compensate for the heat.",[],{"type":70,"text":3618,"spans":3619,"direction":73},"MiWay's current road-trip guidance also recommends checking tyres and the spare before long journeys.",[],{"subheading":3621,"list":3622,"link_subsection":1362},"Don't forget your battery",[3623,3626,3629,3632,3635,3638,3641,3644,3647],{"type":70,"text":3624,"spans":3625,"direction":73},"Summer heat can be tough on a car battery.",[],{"type":70,"text":3627,"spans":3628,"direction":73},"Miway has previously explained that high temperatures under the bonnet can accelerate corrosion and other battery deterioration.",[],{"type":70,"text":3630,"spans":3631,"direction":73},"Keep an eye out for warning signs such as:",[],{"type":1889,"text":3633,"spans":3634,"direction":73},"slow starting",[],{"type":1889,"text":3636,"spans":3637,"direction":73},"dashboard battery warnings",[],{"type":1889,"text":3639,"spans":3640,"direction":73},"corrosion around terminals",[],{"type":1889,"text":3642,"spans":3643,"direction":73},"a battery nearing the end of its expected service life.",[],{"type":70,"text":3645,"spans":3646,"direction":73},"If you're heading on a long summer road trip and you're unsure about your battery's condition, having it professionally checked beforehand could save you from getting stranded.",[],{"type":70,"text":3648,"spans":3649,"direction":73},"For more advice, read Can your car battery handle the heat?.",[3650],{"start":1617,"end":2919,"type":1572},{"subheading":3652,"list":3653,"link_subsection":1362},"Check coolant and essential fluids",[3654,3657,3660,3663,3666,3669,3672,3675,3678,3681],{"type":70,"text":3655,"spans":3656,"direction":73},"You need water on a hot day.",[],{"type":70,"text":3658,"spans":3659,"direction":73},"Your car needs the correct fluids too — although definitely not from your water bottle.",[],{"type":70,"text":3661,"spans":3662,"direction":73},"Before long summer journeys, check the fluid levels specified by your vehicle manufacturer, which may include:",[],{"type":1889,"text":3664,"spans":3665,"direction":73},"engine coolant",[],{"type":1889,"text":3667,"spans":3668,"direction":73},"engine oil",[],{"type":1889,"text":3670,"spans":3671,"direction":73},"brake fluid",[],{"type":1889,"text":3673,"spans":3674,"direction":73},"windscreen washer fluid.",[],{"type":70,"text":3676,"spans":3677,"direction":73},"If your temperature warning light comes on or the engine begins overheating, don't simply continue driving in the hope that it sorts itself out.",[],{"type":70,"text":3679,"spans":3680,"direction":73},"Move to a safe location when possible and get appropriate assistance.",[],{"type":70,"text":3682,"spans":3683,"direction":73},"And one important safety point: never open a hot cooling system simply because you think it needs topping up. Follow the manufacturer's instructions and allow an overheated vehicle to be handled safely.",[],"article_content_text$b53603b6-3337-4a97-83f5-09197011d337",{"variation":1505,"version":1506,"items":3686,"primary":3687,"id":3710,"slice_type":1520,"slice_label":9},[],{"heading":3688,"content":3689,"link_heading":1362},"Summer bonus: never leave children or pets in a parked car",[3690,3693,3696,3699,3707],{"type":70,"text":3691,"spans":3692,"direction":73},"Keeping your car cool is about comfort.",[],{"type":70,"text":3694,"spans":3695,"direction":73},"Keeping people and animals safe is far more important.",[],{"type":70,"text":3697,"spans":3698,"direction":73},"A parked vehicle can become dangerously hot, even when it doesn't feel excessively warm outside.",[],{"type":70,"text":3700,"spans":3701,"direction":73},"Miway has a dedicated guide explaining why you should never leave children or pets in a parked car.",[3702,3706],{"start":2699,"end":3703,"type":216,"data":3704},98,{"link_type":78,"url":3705,"target":2290},"https://www.miway.co.za/blog/never-leave-kids-or-pets-in-the-car",{"start":2699,"end":3703,"type":1572},{"type":70,"text":3708,"spans":3709,"direction":73},"Don't rely on cracked windows or shade as a substitute for taking children or pets with you.",[],"article_content_text$421ce431-cef7-48fe-84b3-4e61759ff681",{"variation":1505,"version":1506,"items":3712,"primary":3713,"id":3743,"slice_type":1520,"slice_label":9},[],{"heading":3714,"content":3715,"link_heading":1362},"Can summer heat actually damage your car?",[3716,3719,3722,3725,3728,3731,3734,3737,3740],{"type":70,"text":3717,"spans":3718,"direction":73},"Yes.",[],{"type":70,"text":3720,"spans":3721,"direction":73},"High temperatures and prolonged sun exposure can affect several areas of a vehicle, including:",[],{"type":1889,"text":3723,"spans":3724,"direction":73},"batteries",[],{"type":1889,"text":3726,"spans":3727,"direction":73},"tyres",[],{"type":1889,"text":3729,"spans":3730,"direction":73},"paintwork",[],{"type":1889,"text":3732,"spans":3733,"direction":73},"interior surfaces",[],{"type":1889,"text":3735,"spans":3736,"direction":73},"cooling systems.",[],{"type":70,"text":3738,"spans":3739,"direction":73},"The level of risk depends on the vehicle, its condition, how it is maintained and how long it is exposed.",[],{"type":70,"text":3741,"spans":3742,"direction":73},"Regular maintenance and sensible parking can help reduce avoidable problems.",[],"article_content_text$7977c4e2-f55c-41db-a761-d656db665d09",{"variation":1505,"version":1506,"items":3745,"primary":3746,"id":3770,"slice_type":1520,"slice_label":9},[],{"heading":3747,"content":3748,"link_heading":1362},"Does car insurance cover heat or summer weather damage?",[3749,3752,3756,3761,3764],{"type":70,"text":3750,"spans":3751,"direction":73},"It depends on what caused the damage and the terms of your policy.",[],{"type":70,"text":3753,"spans":3754,"direction":73},"Car insurance isn't a maintenance plan, so ordinary wear, deterioration or maintenance-related problems shouldn't automatically be assumed to be insured events.",[3755],{"start":28,"end":3281,"type":1572},{"type":70,"text":3757,"spans":3758,"direction":73},"Comprehensive car insurance may provide protection for certain sudden events such as hail, storms or other insured risks, depending on the policy's terms, conditions and exclusions.",[3759],{"start":1649,"end":3760,"type":1572},27,{"type":70,"text":3762,"spans":3763,"direction":73},"That's why it's worth knowing what's in your policy before summer weather arrives.",[],{"type":70,"text":3765,"spans":3766,"direction":73},"You can learn more about Miway car insurance or review your current policy to understand the cover that applies to your vehicle.",[3767,3769],{"start":2504,"end":2666,"type":216,"data":3768},{"link_type":78,"url":2289,"target":2290},{"start":2504,"end":2666,"type":1572},"article_content_text$ba2d114d-8559-433a-aba3-d7d4174f2916",{"variation":1505,"version":1506,"items":3772,"primary":3773,"id":3811,"slice_type":1520,"slice_label":9},[],{"heading":3774,"content":3775,"link_heading":1362},"Summer car-care checklist",[3776,3779,3782,3785,3788,3791,3794,3797,3800,3803,3808],{"type":70,"text":3777,"spans":3778,"direction":73},"Before the temperature climbs or before setting off on a long trip check:",[],{"type":1889,"text":3780,"spans":3781,"direction":73},"shaded or covered parking options",[],{"type":1889,"text":3783,"spans":3784,"direction":73},"windscreen sunshade",[],{"type":1889,"text":3786,"spans":3787,"direction":73},"air-conditioning",[],{"type":1889,"text":3789,"spans":3790,"direction":73},"tyre pressure and tread",[],{"type":1889,"text":3792,"spans":3793,"direction":73},"spare tyre",[],{"type":1889,"text":3795,"spans":3796,"direction":73},"battery condition",[],{"type":1889,"text":3798,"spans":3799,"direction":73},"coolant and other vehicle fluids",[],{"type":1889,"text":3801,"spans":3802,"direction":73},"roadside-assistance details",[],{"type":1889,"text":3804,"spans":3805,"direction":73},"your car insurance policy.",[3806],{"start":3807,"end":1944,"type":1572},5,{"type":70,"text":3809,"spans":3810,"direction":73},"A few minutes now can help prevent your summer road trip from becoming a roadside one.",[],"article_content_text$da3188ed-08d9-4c91-8aff-13c163b22b59",{"variation":1557,"version":1506,"items":3813,"primary":3814,"id":3860,"slice_type":1520,"slice_label":9},[],{"heading":3815,"content":3816,"sub_sections":3817,"link_heading":1362},"Summer car-care FAQs",[],[3818,3824,3830,3836,3842,3848,3854],{"subheading":3819,"list":3820,"link_subsection":1362},"How can I keep my parked car cooler in summer?",[3821],{"type":70,"text":3822,"spans":3823,"direction":73},"Use secure covered parking where possible, use a windscreen sunshade and allow trapped hot air to escape before relying fully on the air-conditioning.",[],{"subheading":3825,"list":3826,"link_subsection":1362},"Should I leave my windows slightly open when parking?",[3827],{"type":70,"text":3828,"spans":3829,"direction":73},"Cracking the windows isn't a substitute for proper cooling or safe vehicle security. When leaving your vehicle unattended, prioritise security and make sure it is properly locked.",[],{"subheading":3831,"list":3832,"link_subsection":1362},"Does hot weather affect tyre pressure?",[3833],{"type":70,"text":3834,"spans":3835,"direction":73},"Temperature can affect tyre pressure. Check pressures regularly and use the figures recommended by your vehicle manufacturer rather than deliberately overinflating tyres in hot weather.",[],{"subheading":3837,"list":3838,"link_subsection":1362},"Can heat damage a car battery?",[3839],{"type":70,"text":3840,"spans":3841,"direction":73},"High under-bonnet temperatures can contribute to faster battery deterioration and corrosion.",[],{"subheading":3843,"list":3844,"link_subsection":1362},"Can the sun damage my car's interior?",[3845],{"type":70,"text":3846,"spans":3847,"direction":73},"Long-term direct sunlight and heat can contribute to fading and deterioration of some interior materials. Covered parking and suitable sun protection can help reduce exposure.",[],{"subheading":3849,"list":3850,"link_subsection":1362},"What should I check before a summer road trip?",[3851],{"type":70,"text":3852,"spans":3853,"direction":73},"Check your tyres, battery, air-conditioning, coolant and other manufacturer-specified fluids, and make sure you know how to contact roadside assistance if something goes wrong.",[],{"subheading":3855,"list":3856,"link_subsection":1362},"Does car insurance cover summer weather damage?",[3857],{"type":70,"text":3858,"spans":3859,"direction":73},"It depends on the event and your policy. Comprehensive cover may protect against certain sudden weather-related risks, subject to applicable terms, limits and exclusions.",[],"article_content_text$d35cc2e4-3c3c-45c1-92e5-50cb758aa9bd",{"variation":1505,"version":1506,"items":3862,"primary":3863,"id":3887,"slice_type":1520,"slice_label":9},[],{"heading":3864,"content":3865,"link_heading":1362},"Keep your summer cool",[3866,3869,3872,3875,3878],{"type":70,"text":3867,"spans":3868,"direction":73},"South African summer isn't going anywhere.",[],{"type":70,"text":3870,"spans":3871,"direction":73},"So instead of fighting the heat every time you get behind the wheel, give your car a little summer TLC.",[],{"type":70,"text":3873,"spans":3874,"direction":73},"Shade it, check it, cool it and make sure it's ready before your next long drive.",[],{"type":70,"text":3876,"spans":3877,"direction":73},"And if summer brings something more serious than a hot steering wheel, having the right cover can help.",[],{"type":70,"text":3879,"spans":3880,"direction":73},"Learn more about Miway car insurance or get a car insurance quote.",[3881,3883,3884,3886],{"start":28,"end":2287,"type":216,"data":3882},{"link_type":78,"url":2289,"target":2290},{"start":28,"end":2287,"type":1572},{"start":2293,"end":1924,"type":216,"data":3885},{"link_type":78,"url":2295,"target":2290},{"start":2293,"end":1924,"type":1572},"article_content_text$db44a4d0-64ab-452d-a120-6a380c97b169","7 Ways To Have The Coolest Car This Summer | Miway Car Insurance","What a summer, every few weeks seems to herald a new heatwave. Whether or not you’re a fan of the heat, don’t forget about your 4-wheeled bestie.",{"dimensions":3891,"alt":3464,"copyright":9,"url":3892,"id":3466,"edit":3893},{"width":1790,"height":1791},"https://images.prismic.io/miway-website/Z-K743dAxsiBv4M2_7-ways-to-have-the-coolest-car-this-summer.jpeg?auto=format,compress&rect=159,0,731,384&w=2400&h=1260",{"x":2496,"y":28,"zoom":29,"background":30},{"link_type":35},[3896],{"type":70,"text":3897,"spans":3898,"direction":73},"What a summer! Every few weeks seems to herald a new heatwave. Whether or not you’re a fan (pun intended) of the heat, don’t forget about your 4-wheeled bestie.",[],{"id":2309,"type":2310,"tags":3900,"lang":16,"slug":631,"first_publication_date":2312,"last_publication_date":2313,"uid":2314,"link_type":393,"key":3901,"isBroken":395},[],"2162efbf-8ec9-4f3b-b1b3-2055f9e55083",[],{"dimensions":3904,"alt":3464,"copyright":9,"url":3465,"id":3466,"edit":3905},{"width":2345,"height":2346},{"x":28,"y":28,"zoom":29,"background":30}]