How to Make RAF Claims in South Africa. Take these steps to prepare your documentation to submit a Road Accident Fund (RAF) Claim.
How to Make Road Accident Fund (RAF) Claims
The Road Accident Fund claims process is being improved to gather as much information as early as possible.
The RAF Claims Process Positive Changes
A key strategic initiative is the inclusion of a pre-claims phase as part of the RAF claims management value chain. The RAF has been challenged by not having enough information to conduct thorough investigations when a claim is lodged.
This is because the RAF only began gathering accident information when a claim was submitted. Letsoalo, the RAF CEO, said this could take up to three years after the incident.
By establishing an accident and contact centre, we will close this information gap and ensure that the RAF collects all accident-related data. Additionally, implementing a customer relationship management process will improve the customer experience for RAF claimants.Collins Letsoalo in News24
Road Accident Fund (RAF) Contact Details
The Road Accident Fund contacts are below:
|Private Bag X178, Centurion, 0046
|2 Eco Glades Office Park, 420 Witch-Hazel Avenue, Centurion, 0046
|012 621 1691/0860 23 55 23
The Steps to Make RAF Claims
Who qualifies for road accident fund claims in South Africa?
The Road Accident Fund (RAF) provides compulsory cover to all users of South African roads, citizens and foreigners. The RAF covers against injuries sustained or death arising from accidents involving motor vehicles within the borders of South Africa.
Who Cannot claim RAF?
You cannot claim if you did not suffer any injuries in the accident. You may not be able to claim if the injuries suffered were not ‘serious’. If the deceased had no dependants, there may be no claim arising from his/her death.
What documents are needed for a RAF claim?
- RAF 4 SERIOUS INJURY ASSESSMENT
- The RAF 3 ACCIDENT REPORT FORM
- RAF 2 SUPPLIER CLAIM FORM
- RAF 1 3RD PARTY CLAIM FORM
How to Lodge RAF Claims
This information was extracted from the Road Accident Fund Website, visit them too!
Step 1: Gather All The information for your RAF Claim
The first step in claiming from the RAF is to gather all the necessary documents. The documents required to launch a claim with the RAF are:
A. Standard documents for RAF injury claims:
What injuries does Road Accident Fund cover?
- Statutory Medical Report
- Copies of all Hospital & Medical Records in terms of section 19 (e) (i) and 19 (e) (ii)
- Amount Claimed as Compensation
- Certified copy of Claimant’s ID Certified copy of Injured Identity Document (if different from Claimant)
- Unabridged birth certificate (if a natural guardian is claiming on behalf of a minor).
- If it’s the legal guardian claiming on behalf of minor they must submit a court order.
- Official Accident Report Docket and sketch plan
- Consent for RAF to obtain and inspect hospital and medical records in terms of section 19 (ii) and 19 (e) (iii) Consent for RAF to obtain and inspect financial and earnings information
- Court Order or Masters’ letter of appointment (If Curator submitting on behalf of minor – (If applicable)
- Power of Attorney (if Represented)
- Contingency fee agreement (if Represented)
- Affidavit in terms of Section 19 (f) (i) Any other statements/documents in accordance with section 19 (f) (ii).
B. General Damages RAF Claims:
- Photographs of injuries or scarring, where applicable RAF 4 form for serious injury report duly completed in line with AMA guides Narrative test where applicable.
C. RAF Claims for Loss of Earnings:
- RAF 4 Form where applicable Employer’s certificate showing nature of employment, the period of service, remuneration, prospects of advancement and retirement age
- Proof of any other income (If applicable) Claimant’s tax records (if not available, communication from SARS that Claimant is not registered for tax), in which case a bank statement for three years preceding accident must be submitted Payslips pre and post-accident Academic records Medical reports or documentation establishing or substantiating claimant’s temporary/ permanent disability and the loss of earnings claimed (Medico-legal reports)
- Official confirmation of remuneration/compensation received from other sources
- Official documentation confirming any disability grant Official confirmation of the Compensation Fund’s award (if claimant was injured during the course and scope of employment).
D. RAF Claims for Past Medical Expenses:
- An itemized tax invoice from a registered medical provider/or hospital for past medical expenses Proof of payment of medical expenses.
E. Standard documents for RAF death claims:
- Completed Statutory Medical Report (Only applicable if the deceased did not die at the scene) Hospital and medical records (Only applicable if the deceased did not die at the scene)
- Amount Claimed as Compensation
- Certified copy of Claimant’s ID Certified copy of Dependants ID Certified copy of Deceased ID Certified copy of Death Certificate Unabridged birth certificate (if a natural guardian is claiming on behalf of a minor). If it’s the legal guardian claiming on behalf of minor they must submit a court order
- Official Accident Report Docket and sketch plan Consent for RAF to obtain and inspect hospital and medical records in terms of section 19 (ii) and 19 (e) (iii)
- Court Order or Masters’ letter of appointment (If Curator submitting on behalf of minor – LoS (Loss of Support) (If applicable)
- Power of Attorney (if Represented) Contingency fee agreement (if Represented)
- Affidavit in terms of Section 19 (f) (i) Any other statements/documents in accordance with section 19 (f) (ii)
- Post Mortem/ Inquest Report/Charge sheet and/or any other document(s) proving that the deceased was killed in the collision or as a result of the collision.
F. RAF Claims for Funeral Expenses:
- l Specified Voucher (Tax invoice for funeral expenses)
- Proof of Payment of funeral expenses
- Proof of relationship to deceased (certified marriage certificate/unabridged birth certificate/affidavit confirming relationship).
G. RAF Claims for Loss of Support:
- Certified copy of marriage certificate/Certificate proving customary marriage/un-abridged birth certificate If not married, an affidavit setting out the legal basis of claimant’s dependency on deceased Employer’s certificate of deceased’s service showing nature of employment, the period of service, remuneration, prospects of advancement and compensation and retirement age
- Payslips Copy of maintenance order, if any Claimant’s tax records (if not available, communication from SARS that Claimant is not registered for tax, in which case a bank statement for three years preceding death must be submitted)
- Proof of additional income (if applicable)
- Copy of Liquidation and Distribution account (if applicable)
- Employer’s certificate of surviving spouse indicating period of employment, remuneration, prospects of advancement
- Proof of Guardianship (if claimant not biological parent)
- Proof of academic registration for children or dependent
- Actuarial report
- All payments in terms of Compensation Commissioner, Rand Mutual, Police, Defence Force, etc.
- Past Medical Expenses An itemised tax invoice from a registered medical provider/or hospital for past medical expenses Proof of payment of medical expenses.
Step 2: Complete the RAF Claims Form
Lodge your RAF claim on the prescribed statutory claim form, RAF 1. This captures your basic information (the claimant), the vehicles and parties involved in the collision, the date and place of the accident and the amounts claimed.
The drivers of the vehicles involved in the collision must provide the details of the accident to the RAF on a statutory accident report form, RAF 3. Witness information may also be requested.
Fill in all the documents correctly and make copies of them. Once the claim is processed, the legal proceedings will start and the evidence you submitted is considered by the RAF.
If the claim arose after the 31 July 2008 and general damages are claimed, a Serious Injury Assessment Report (RAF 4) must be submitted to the RAF confirming that the injury sustained is serious for the purposes of the Act.
Step 3: Submit the RAF Claim Form
After you have made copies, submit the documents in hard copy. When documents are faxed you will still need to make the originals available. Emailed documents are not accepted.
The RAF determines whether the claim is valid. For example, if there was a road accident, does it comply with statutory provisions, was it submitted in time, etc.. They also consider what the merits of the case are, for example, the degree of fault, blame or negligence to be ascribed to the drivers of the vehicles and the claimant respectively. The amount of the damages or losses suffered is also determined.
If a submission is incomplete, the RAF will object to the validity of the claim at the preassessment stage. They then return the claim documents and you will need to resubmit with all the required documents
If the claim arose after the 31 July 2008 and general damages are claimed, a Serious Injury Assessment Report (RAF 4) must be submitted to the RAF confirming that the injury sustained is serious for the Act.
How Much Do Road Accident Claims Pay?
- The Road Accident (RAF) has paid R45.69 billion in road accident claims in the past financial year, a 17% increase from the R39.16 billion payout figure in the 2019/20 financial year.
- This is against the backdrop of R48.76 billion revenue raised by the entity for the 2022/23 financial year, slightly up from R48.15 billion.
- General damages claims accounted for R11 billion of the total payout, with loss of support accounting for R2.5 billion, R22.2 billion for loss of earnings and R51 million for funeral costs.
- Medical claims were reduced by a massive 41%, from R3.9 billion in 2020 to R1.9 billion in 2023.