Why the First 24 Hours Matter
A road accident is disorienting. Between checking on your own injuries, dealing with other drivers, and waiting for help to arrive, it is easy to lose track of details that later become essential to a Road Accident Fund (RAF) claim. What you do, or fail to do, in the hours immediately after a collision can shape how straightforward your claim is months down the line.
Step 1: Get Medical Attention First
Your health comes before paperwork. Some injuries, particularly head trauma, whiplash, and internal injuries, do not show symptoms immediately. Always be examined by a medical professional, even if you feel fine, and keep every document: ambulance records, hospital admission forms, X-rays, and discharge notes. These records become the backbone of any future RAF claim.
Step 2: Report the Accident to SAPS
South African law requires accidents involving injury to be reported to the police within 24 hours. Obtain the case number and the name of the investigating officer. This report is one of the core documents the RAF requires before it will consider a claim, so do not skip this step even if the accident seems minor at the time.
Step 3: Gather Evidence at the Scene, If You Can
If you are physically able, photograph the vehicles, the road conditions, skid marks, and any visible injuries. Note the registration numbers of all vehicles involved and get contact details for witnesses. Memories fade and witnesses move; a phone number captured on the day is often the only way to trace a witness a year later when a claim is being prepared.
Step 4: Do Not Admit Fault or Sign Anything
In the aftermath of a collision, it is natural to want to apologise or smooth things over. Avoid making statements about fault at the scene, and never sign a document from another driver’s insurer or representative without first getting legal advice. Statements made in the heat of the moment can be used against you later.
Step 5: Speak to a Personal Injury Attorney Early
RAF claims involve strict time limits, specific medico-legal reporting requirements, and a claims process that can be difficult to manage without experience. Getting advice early means important evidence is preserved and deadlines are not missed. Lowe & Petersen Attorneys has guided Cape Town clients through RAF claims for over 33 years, and consultations come at no upfront cost under our no win, no fee approach.
Get Help With Your RAF Claim
If you or a family member has been injured in a road accident, contact Lowe & Petersen Attorneys for guidance on the RAF claims process.