South Africa’s Road Accident Fund (RAF) is a vital safety net for road users who have suffered harm due to motor vehicle accidents. Established to provide compensation for victims of road accidents, the RAF ensures that affected individuals receive financial and emotional support during challenging times.
If you or a loved one has been involved in an accident, understanding what the Road Accident Fund covers is essential to accessing these critical benefits.
What Is the Road Accident Fund (RAF)?
The Road Accident Fund (RAF) is a state‑supported insurance scheme established under the Road Accident Fund Act. Its purpose is to:
- Provide compensation to victims of motor vehicle accidents in South Africa.
- Offer financial support when injuries or death occur as a result of someone else’s negligent driving;
- Reduce the financial and emotional strain that follows road accidents.
The RAF isn’t a private insurer. It’s funded by a levy on every litre of petrol and diesel sold in South Africa, meaning every road user contributes to this safety net.
However — and this is crucial — it only covers personal injury or death consequences, not damage to vehicles or property
Who Can Claim From the RAF?
RAF claims are fault‑based. You can claim only if the accident was caused at least partly by someone else’s negligence.
Eligible Claimants Include:
- Drivers injured in an accident caused by another road user
- Passengers in private vehicles, taxis, buses or trains
- Pedestrians hit by a motor vehicle
- Cyclists and motorcyclists injured by motor vehicles
- Dependents of someone who died in an accident (breadwinners, spouses, children)
Important Notes on Eligibility
- If you were 100% at fault, you generally cannot claim compensation for medical costs or loss of income — unless there is another at‑fault party or exceptional circumstances.
- Fraudulent or intentional self‑harm claims are strictly excluded — RAF has publicly warned that intentional acts to trigger RAF claims will be rejected.
What Does the Road Accident Fund Cover?
The Road Accident Fund benefits cover several key areas, ensuring accident victims and their families are supported. Below are the main categories of compensation offered:
1. Medical Expenses
The RAF covers reasonable medical expenses incurred as a result of the accident. This includes hospitalisation, surgeries, rehabilitation, and even long-term care if necessary. Victims can claim these costs provided they are directly related to the injuries sustained in the accident.
2. Loss of Income
If the injured party is unable to work due to the accident, the RAF provides compensation for lost wages. The coverage applies to both temporary and permanent disabilities, ensuring individuals can maintain a level of financial stability during recovery.
3. General Damages
Victims who suffer serious injuries, such as permanent disfigurement, chronic pain, or mental distress, can claim compensation for general damages. This type of compensation acknowledges the non-economic impact of injuries on the victim’s quality of life.
4. Funeral Costs
In cases where an accident results in a fatality, the RAF assists the deceased’s family with funeral costs. This coverage includes expenses for burial or cremation, offering some financial relief during an emotionally challenging time.
5. Support for Dependents
If the deceased was the primary breadwinner of a household, the RAF compensates dependents for the loss of financial support. This benefit ensures that families can continue to meet their basic needs despite the loss of income.
6. Legal Costs
While the RAF aims to streamline claims processes, some cases require legal intervention. The RAF may cover reasonable legal costs incurred during the claims process, depending on the circumstances.
Eligibility for RAF Claims
To qualify for RAF benefits, the claimant must prove that the accident was caused by another party’s negligence. Additionally, the claim must be submitted within three years of the accident date, unless the victim was a minor at the time.
How to Claim from the Road Accident Fund
Claiming from the RAF involves several steps:
- Gather Documentation: Collect medical records, police reports, witness statements, and proof of expenses related to the accident.
- Complete the RAF Claim Form: The RAF requires specific forms to be completed, which can be downloaded from their official website or obtained from their offices.
- Submit the Claim: Submit your claim directly to the RAF or through a legal representative. Ensure all required documentation is included to avoid delays.
- Wait for Assessment: The RAF evaluates claims thoroughly before approving compensation. This process can take time, so patience is essential.
Limitations of RAF Coverage
While the RAF provides extensive support, it does have limitations. For example:
- Compensation for general damages applies only to serious injuries.
- There are caps on loss of income claims, ensuring fairness across all cases.
- Claims for accidents caused entirely by the claimant’s negligence may not qualify for compensation.
Frequently Asked Questions (FAQ)
Can passengers claim from RAF?
Yes, passengers injured in accidents not fully caused by themselves can claim medical costs, loss of income, general damages, and other benefits.
Can pedestrians claim?
Absolutely, pedestrians struck by motor vehicles are covered if the accident was caused by negligent driving.
Do I need a lawyer to claim?
Not legally required, but for loss of earnings and general damages claims, legal assistance significantly increases the chances of a fair outcome.
Also read: 8 Common Reasons for RAF Claim Rejections and How to Avoid Them
Understanding what the Road Accident Fund covers is crucial for South Africans who rely on this vital resource during difficult times. From covering medical expenses to providing financial support for dependents, the RAF plays a key role in safeguarding the well-being of road accident victims and their families.
If you’ve been involved in a road accident, don’t hesitate to explore your rights under the RAF. By familiarising yourself with the claims process and the benefits available, you can take the necessary steps to secure the compensation you deserve.
