Who Qualifies for RAF Claim in South Africa

Most South Africans do not know who qualifies for RAF Claim. Road accidents can cause significant physical, emotional, and financial distress. In South Africa, individuals who have suffered injuries or losses due to road accidents can seek compensation through the Road Accident Fund (RAF).

The RAF is an essential institution that provides support to victims and their families, helping them rebuild their lives after such unfortunate events.

What is RAF

RAF claims are legal proceedings that aim to compensate victims for their losses resulting from road accidents. These claims enable individuals to seek financial relief for various expenses such as medical bills, rehabilitation costs, loss of income, and other damages incurred due to the accident. The RAF, established under the Road Accident Fund Act, plays a crucial role in ensuring that victims receive the compensation they deserve.

Who Qualifies for RAF Claim

Those who qualifies for RAF claim in South Africa, must meet certain criteria.

Involvement in a Road Accident: The claimant must have been involved in a road accident where the negligence of another party contributed to the incident.

car accident

Permanent Residency: The claimant should be a permanent resident of South Africa or a citizen of another country with a valid claim against the RAF.

Serious Injury or Loss: The claimant must have suffered serious injuries, such as disabilities, disfigurement, or other significant losses due to the accident.

List of Serious Injuries RAF

There are various types of claims that can be made under the RAF, including list of serious injuries RAF such as:

Personal Injury Claims: These claims seek compensation for physical injuries, pain, suffering, and emotional distress caused by the accident.

kidney pain

Loss of Support Claims: If the accident resulted in the death of the breadwinner of a family, dependents can claim for the loss of financial support.

Medical Expense Claims: Claimants can seek reimbursement for medical expenses incurred due to the accident, including hospitalization, surgeries, rehabilitation, and ongoing treatment costs.

List of serious injuries RAF related include:

  • Brain Injury
  • Spinal cord injury
  • Amputations
  • Disability
  • Disfigurement

Who Qualifies for RAF Claim – Factors Affecting Eligibility

Several factors can influence the eligibility of a claimant and decides who qualifies for RAF claim. These factors include:

Contributory Negligence: If the claimant’s negligence contributed to the accident, it may affect the eligibility and the amount of compensation received.

Time Limitations: There are specific time limitations within which a claim must be lodged. Failing to meet these deadlines can result in the claim being rejected.

Criminal Activity: If the claimant was engaged in criminal activity at the time of the accident, it may impact their eligibility for compensation.

time frame
can i claim raf after 20 years

Can I Claim RAF After 20 Years – Time Limitations

No, you cannot claim RAF after 20 years. In South Africa, a claim must be lodged within three years from the date of the accident. Failing to initiate the claim within this timeframe can lead to the loss of the right to seek compensation.

How to Apply for RAF

Required Documentation:

When filing an RAF claim, certain documentation is necessary to support the case. The required documents may include:

Accident Report: A detailed report documenting the circumstances and aftermath of the accident.

claim form
how to apply for raf

Medical Reports: Medical records and reports confirming the injuries sustained and the required treatments.

Witness Statements: Statements from witnesses who can provide essential information about the accident.

Financial Records: Documentation showcasing the financial losses incurred as a result of the accident, such as medical bills, rehabilitation expenses, and loss of income.

How to Claim RAF – RAF Claim Process

Here’s how to claim RAF and complete the RAF claim process – the process typically involves the following steps:

Consultation: The claimant engages with a personal injury attorney to assess the viability of the claim and understand the potential compensation.

Document Collection: The necessary documentation, such as accident reports, medical records, and financial records, is collected to support the claim.


Claim Submission: The claim is formally submitted to the RAF, including all relevant documentation and supporting evidence.

Claim Assessment: The RAF reviews the claim, assesses the extent of the injuries and losses, and determines the appropriate compensation.

Negotiation and Settlement: Discussions may occur between the claimant’s attorney and the RAF to negotiate a fair settlement. If an agreement is reached, compensation is awarded to the claimant.

Litigation: If a settlement cannot be reached, the claimant’s attorney may initiate legal proceedings, taking the claim to court for a final decision.

How to Check Road Accident Fund Claim

Here are the simple steps on how to check road accident fund claim:

  • Visit the official RAF website at www.raf.co.za
  • Select the ‘’Claim Status’’ link at the top
  • Enter the claim number.
  • Click submit.

RAF Claim Amounts

To see the full list of RAF claim amounts, you can visit their website. In general, the limit currently is set at R336,308 per year.

calculator fees
who qualifies for raf claim

How Much Does Road Accident Fund Pays for Leg Injuries

The amount RAF pays for injury to the leg is around R500,000. You can read more about leg injury amount related to RAF.

Does RAF Pay for Minor Injuries

Yes, in terms of does RAF pay for minor injuries, they do. People related to general road injuries qualifies for RAF claim.

How Long Does RAF Take to Pay Out

RAF can take three to four years to start paying out.

hurt ankle

How Long Does RAF Pay After Court

RAF takes around six months to pay after court.

How Much Does RAF Pay for an Ankle Fracture In South Africa

RAF can pay up to R500,000 (five hundred thousand) for ankle fractures and multiple leg injuries.

Who Qualifies for RAF Claim – Common Challenges

While RAF claims aim to provide financial relief to victims, certain challenges may arise during the process. Some common challenges include:

who qualifies for raf claim

Claim Rejection: The RAF may reject a claim if the eligibility criteria are not met or if the documentation provided is insufficient.

Delays: The claim process can sometimes be lengthy, leading to delays in receiving compensation.

Disputed Liability: Disputes may arise regarding the liability and fault allocation, which can prolong the claim process.


In regard to who qualifies for RAF claim, the RAF play a crucial role in providing much-needed support and compensation to individuals who have suffered injuries or losses due to road accidents.

who qualifies for raf claim

in South Africa. By understanding the eligibility criteria, claim process, and benefits associated with RAF claims, victims can seek the necessary assistance and embark on the path to rebuilding their lives.