Road Accident Fund: Quick Guide to Claims and Benefits

If you’ve been in a car crash on a public road in South Africa, the Road Accident Fund (RAF) is the government body that steps in to help cover medical costs, lost earnings, and sometimes even funeral expenses. It’s not a private insurance policy – it’s a safety net funded by fuel levies and road taxes. Knowing the basics can save you time, stress, and money.

Who Can Claim?

The RAF covers anyone who was injured or killed in a motor vehicle accident on a public road. That includes drivers, passengers, pedestrians, and even cyclists. If the accident involved a motor vehicle and you suffered a physical injury, you’re eligible. The fund also helps families of victims who died in the crash. However, it doesn’t cover property damage, emotional trauma, or injuries caused while under the influence of alcohol or drugs.

One common misconception is that you need a lawyer to file a claim. While legal help can be useful for complex cases, many straightforward claims can be handled directly with the RAF office. The key is to act quickly and gather the right paperwork.

Steps to File a Claim

1. Report the Accident – Call the police and get a copy of the accident report. This document is the backbone of your claim.

2. Seek Medical Attention – Even if you feel fine, visit a doctor. A medical report proves the injury and its link to the accident.

3. Collect Supporting Documents – You’ll need the police report, medical certificates, receipts for treatment, proof of lost wages (pay slips or a letter from your employer), and a completed RAF claim form. The form is available online or at any RAF office.

4. Submit the Claim – Hand in the completed form and all attachments to the nearest RAF office. Keep copies for yourself.

5. Follow Up – The RAF usually takes 6‑12 weeks to process a claim. If they ask for more info, respond promptly to keep the timeline moving.

6. Receive Payment – Once approved, the RAF will transfer the amount directly to your bank account. Payments cover medical bills, a portion of lost earnings, and any lump‑sum compensation for permanent disability.

Tips for a smoother process: keep every receipt, stay organized, and double‑check that the medical report mentions the accident explicitly. If your claim is rejected, you have the right to appeal within 30 days – the RAF will explain why and what you can do next.

Remember, the RAF is there to help you get back on your feet after a road mishap. Understanding who qualifies, what you need, and how the process works gives you the best chance of a quick, fair settlement.