What is the Road Accident Fund (RAF) and how does it serve you?

The Road Accident Fund is a state insurer, which provides insurance cover to all drivers of motor vehicles in South Africa in respect of liability incurred or damaged caused as a result of a traffic collision. Cover is however excluded for liability incurred in relation to property damage, such as damage to vehicles, buildings and vehicle’s contents.

The RAF provides compulsory cover to all users of South African roads both citizens and foreigners against injuries sustained or death arising from accidents involving motor vehicles within the borders of South Africa.

This cover is in the form of personal insurance cover to accident victims or their family members and indemnity cover to persons who caused the accident. This social insurance does not however extend to drivers of motor vehicles who are found to have been negligent.

Insurance premiums are collected by the RAF through a fuel levy imposed on motor vehicles.

Legalities surrounding the RAF and the procedures one must use to claim will be featured in upcoming newsletters. Keep an eye out for them! 

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