Page 175 - Hollard Private Portfolio

EnRoute – Personal accident
Assistance with claiming from the Road Accident Fund (RAF)
If you have requested this cover you will be provided with full details of the services you can expect and all enquiries should be made via the RoadCover telephone 0860 726 837 (0860 RCOVER). You may also consult their website http://www.roadcover.co.za where the services are set out in detail.
We give some brief details below. Consult the website now to acquaint yourself with the details of the services.
If you are injured in a road accident as a result of another driver’s negligence you will be assisted to claim against the RAF. This free service will include:
○ legal representation
○ administration and management of your claim
○ up to 8 medico-legal reports from RoadCover medical experts when required by the RAF
○ actuarial reports
○ accident reconstruction.
Any pay-out from the RAF will be paid to you without any deductions.
Who is entitled to claim?
○ any individual that has been injured as a result of a negligent driver
○ the dependent of a deceased victim
○ a close relative of the deceased in respect of funeral expenses
○ a claimant under the age of 18 who must be assisted by a parent or legal guardian.
What can you claim for?
○ past and future hospital and medical expenses
○ past and future loss of income or earnings
○ past and future loss of support for the dependent of a deceased or disabled victim
○ general damages for pain, suffering and disfigurement in the case of bodily injury
○ necessary funeral expenses.
What is not covered
Certain activities, actions or medical conditions
Pre-existing medical conditions
We do not cover claims resulting from, or aggravated by, any pre-existing or congenital physical disability, infirmity, illness or disease. This also applies to any condition for which you received medical treatment or advice prior to the bodily injury.
Driver’s licence
We do not cover claims where the driver of the vehicle was not in possession of a valid driver’s licence at the time of the motor accident. This will not apply to passengers who can prove that they were unaware of this.
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