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Claiming from the Road Accident Fund


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), exists to provide compulsory cover to all users of the South African roads against injuries sustained or death caused by the negligent driving of motor vehicles within the borders of the RSA.

Most road accident victims are unaware of the RAF and the advantages of claiming.

Who is entitled to claim?

  • A person who was personally injured, except a driver who was the sole cause of the accident.
  • The dependants of a deceased victim of a motor vehicle accident.
  • A close relative of the deceased in respect of funeral expenses.
  • A claimant under the age of 18 must be assisted by a parent or legal guardian.

What can you claim for?

  • Medical expenses from date of incident (past) and future
  • Funeral expenses
  • Loss of earning or income (past and future) if a person is disabled as a result of an injury due to a motor vehicle accident
  • Loss of support for a dependant of a deceased victim (breadwinner, past and future)
  • General damages for pain, suffering and disfigurement in the case of bodily injury as determined after examining the extent and severity of the injury

Unfortunately, the RAF claims process can be complicated and time consuming, with an average claim period of 36-48 months and, therefore, extremely costly.

What is RoadCover and why do you need it?

RoadCover is a service offering that manages your claim with the Road Accident Fund (RAF) from start to finish:

  • A  RoadCover Legal practitioner will assist you to formulate your claim with the RAF
  • It ensures that victims of motor vehicle accidents have immediate access to an effective RAF claims management system.
  • A reduced RAF claim turnaround time
  • RoadCover members who become motor vehicle accident victims of accidents occurring within South Africa, receive 100% of the RAF payout at no legal cost to them, in the event of a valid claim with the RAF

MiWay includes RoadCover as part of our vehicle insurance offering so that you can continue to live your way.


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