The Road Accident Fund (RAF) is a statutory fund that compensates people injured in motor vehicle accidents caused by the negligence of another driver. The RAF is funded through a fuel levy on petrol and diesel sold in South Africa.
Is the Road Accident Fund bankrupt?
No. The RAF receives billions annually from the national fuel levy and continues to process and settle valid claims.
Is the Road Accident Fund capped?
Certain claim categories are capped, including future loss of earnings and loss of support. Funeral expenses are also subject to prescribed limits. Medical expenses may remain uncapped depending on the nature of the claim.
Claim Eligibility
Who can claim from the RAF?
Anyone injured in a motor vehicle accident caused by another driver's negligence may qualify to claim from the RAF. Passengers are generally always eligible to claim.
Can pedestrians and cyclists claim?
Yes. Pedestrians and cyclists injured by a motor vehicle may claim from the RAF.
Can foreigners or tourists claim?
Yes. Foreign nationals and tourists may claim if the accident occurred on a South African road.
Are there legal requirements when submitting a claim?
Yes. All incidents and claims are subject to Road Accident Fund requirements and applicable South African laws and regulations.
What documents are needed to submit a claim?
Contact our team on 0860 726 837 or email claims@roadcover.co.za using your ID number as reference. We will guide you through the required documentation and assessment process.
What happens if my child under 18 was involved in an accident?
A claim is submitted by the biological parent/appointed guardian on behalf of the minor. Funds awarded may be subject to protection in the form of a special trust created on behalf of the minor.
When must I submit a claim?
Claims need to be submitted within 3 years if the negligent driver is identified, and within 2 years for hit-and-run accidents.
Can I claim if I collided with an animal that was crossing the road?
No, the RAF will only compensate one for injuries if the accident was caused by the negligent driving of another vehicle.
Can I use RoadCover if I already have attorneys?
No. RoadCover appoints its own panel of attorneys to manage RAF claims and two sets of attorneys cannot handle the same claim simultaneously.
Can I still claim if I have Personal Accident cover?
Yes. Personal Accident cover pays according to your policy benefits, while RAF claims may provide additional compensation for qualifying expenses and losses.
RAF Compensation & Benefits
What can I claim from the RAF?
You may claim for:
Past and future medical expenses
Funeral expenses
Loss of earnings
Loss of support
General damages for pain and suffering
Will the RAF compensate me for time off work?
Yes, provided the loss of income can be proven with supporting documentation.
Can I claim medical expenses even if my injuries were not serious?
Yes. Proven accident-related medical expenses may still qualify even if injuries are not classified as serious.
Does the RAF cover vehicle or personal item damage?
No. The RAF only covers bodily injury-related claims and does not compensate for vehicle or property damage.
Will my settlement amount be made public?
No. Settlement amounts remain confidential and personal details are not made public.
RoadCover Membership
How do I cancel my membership?
You may cancel your membership by giving 30 days' notice.
