Compensation Benefits Provided by the RAF
The Road Accident Fund offers various compensation benefits to eligible claimants. These benefits aim to cover the financial losses incurred due to the accident.
The key compensation categories provided by the RAF include:
Medical Expenses
The RAF covers the cost of necessary medical treatment and rehabilitation services required by the victims. This includes hospitalisation, surgery, medication, physiotherapy, and assistive devices. The fund strives to ensure that accident victims receive proper medical care to aid in their recovery.
Loss of Income
In cases where the accident causes temporary or permanent disability, the RAF provides compensation for the loss of income suffered by the victim. This includes past and future earnings loss, considering factors such as age, occupation, and earning potential.
Funeral Expenses
General Damages
General damages refer to compensation awarded for pain, suffering, and loss of amenities of life. The RAF takes into account the physical and emotional impact of the injuries when determining the number of general damages to be awarded. However a victim has to qualify for general damages, being subjected to a required medical examination to determine the severity and permanent impact of their injuries is any.
Limitations and Exclusions
While the Road Accident Fund aims to provide comprehensive support, there are certain limitations and exclusions to be aware of. The RAF may reduce or exclude compensation in cases where the victim contributed to the crash through their own negligence. Additionally, an award for general damages are subject to the outcome of a thorough medical (RAF 4) examination and may not be awarded depending on the outcome.
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