Everything You Need to Know About an RAF Undertaking
Commuting on South African roads can be a daily challenge, and accidents can happen in a split second. If you’re injured, you can approach the Road Accident Fund (RAF) for compensation. But what is an RAF undertaking, and how do you claim? Simpsons Attorneys, experts in RAF claims, cut through the red tape to help you understand the process.
What is an RAF Undertaking?
The definition of an RAF undertaking is a written agreement between the claimant and the RAF authorising the payment of future medical or related expenses arising from a car accident. Rather than paying you up front, the RAF agrees to reimburse you, within reason, for medical expenses as they arise, provided they are linked to your accident injuries. This can include hospital visits, follow-up treatments, or even care at home if your injuries make daily tasks difficult.
Addressing Concerns: Your RAF Claims Questions Answered
With the RAF often criticised for delays and inefficiencies, you have every reason to be concerned that your claim will not be processed. So, let’s address some FAQs:
- How long does it take?
It can take between three to six years or more for the RAF to settle your claim. When the fund receives your claim, together with the relevant paperwork, it needs to be processed and investigated. Once done, they will notify you about how much you will be compensated and how they determined that figure. You need to brace yourself, as it might not be the full amount you are looking for.
- Who qualifies?
You meet the qualification criteria to claim from the RAF if you fall into one of these categories:
- You were the injured party in the accident, not the one who caused it.
- You were financially dependent on someone who passed away in the accident.
- You are a close family member of a person who died in the accident and you paid for their funeral.
- You are under 18 years old, in which case you will need help from a parent, legal guardian, or a court-appointed representative to submit the claim on your behalf.
- How long do I have to claim?
Claims where the identity of the guilty driver is known must be submitted within three years of the date of the accident, and hit-and-run claims within two years.
- Do I pay for treatment first and claim later?
The RAF is meant to provide you with interim relief, so you don’t need to pay before claiming. The fund pre-authorises any treatments you may need and, in turn, pays the doctors and hospital. The advantage of this is that you will know exactly what the RAF is prepared to cover.
- Do I need a lawyer?
Although the fund employs information officers to assist you with your claim at no cost, it is highly advisable to employ the services of an attorney who specialises in this type of claim.
Simpsons: Innovative Legal Solutions and Excellent Representation
For over three decades, Simpsons Attorneys has helped South Africans fight their legal battles and understand the nuances of the law, including answering questions such as “What is an RAF undertaking?” Speak to us today and let us assist you by accurately calculating and submitting your claim in line with the RAF Act and its regulations, giving you the best chance of receiving the compensation you deserve.
Disclaimer: This article is intended for information purposes only. It does not constitute legal advice and cannot be used to make any decisions. For advice on the topics of personal injury and Road Accident Fund claims, contact Simpsons Attorneys. The information is relevant as of the date of publishing.
