RAF Calculator South Africa
Calculate your Road Accident Fund (RAF) claim estimate for 2025. Get an instant estimate of your potential compensation for injuries, medical expenses, and loss of earnings.
Important Notice
This calculator provides an estimate only. Actual RAF claim amounts depend on medical evidence, legal representation, RAF assessment procedures, and individual circumstances. RAF claims must be submitted within 3 years of the accident. We strongly recommend consulting with a qualified RAF attorney for accurate assessment and professional assistance with your claim.
Claimant Information
Younger claimants may receive higher compensation
Your gross monthly salary
Spouse, children, parents dependent on you
Injury Details
As assessed by medical professionals
Total days unable to work
Medical Expenses
Hospital, doctor, medication costs
Ongoing medical treatment needed
Physiotherapy, occupational therapy
Tip: Legal representation can increase your claim success rate and compensation amount by 15% or more.
Total RAF Claim Estimate
This is an estimated amount based on the information provided
Claim Breakdown
Pain, suffering, loss of amenities
+15% estimated increase
Claim Summary
Understanding RAF Claims in South Africa
What is the Road Accident Fund?
The Road Accident Fund (RAF) is a South African government fund that provides compensation to road accident victims for injuries or death caused by the negligent driving of another person. The RAF is funded through the fuel levy, ensuring that all road users contribute to this safety net.
Who Can Claim from RAF?
You can claim from the RAF if you were injured or a family member was killed in a road accident in South Africa caused by the negligent or wrongful driving of another person. This includes pedestrians, passengers, drivers, and cyclists. The claim must be submitted within 3 years of the accident.
Types of RAF Claims
1. Loss of Earnings
- • Past loss of income (time off work)
- • Future loss of earning capacity
- • Based on your salary and disability %
2. General Damages
- • Pain and suffering
- • Loss of amenities of life
- • Emotional trauma and PTSD
3. Medical Expenses
- • Past medical costs incurred
- • Future medical treatment
- • Rehabilitation and therapy
4. Future Care Costs
- • Home care and nursing
- • Medical equipment and aids
- • Home modifications for disability
How RAF Compensation is Calculated
RAF compensation is calculated based on several factors to ensure fair and comprehensive coverage for accident victims:
- •Injury Severity: More severe injuries receive higher compensation. The RAF uses medical reports and expert assessments to determine the extent of injuries and their long-term impact.
- •Permanent Disability: A medical professional assesses your permanent impairment percentage. This significantly affects future loss of earnings calculations.
- •Age and Income: Younger claimants with higher incomes generally receive larger compensation for future loss of earnings, as they have more working years ahead.
- •Dependents: Having dependents who rely on your income can increase the compensation amount, particularly for loss of earnings claims.
- •Medical Evidence: Comprehensive medical reports, specialist opinions, and documented treatment costs are crucial for substantiating your claim.
Frequently Asked Questions
How long do I have to submit a RAF claim?
You have 3 years from the date of the accident to submit your RAF claim. However, it's advisable to start the process as soon as possible after the accident to ensure all evidence is fresh and properly documented. Missing this deadline can result in your claim being rejected.
Do I need a lawyer to claim from RAF?
While not legally required, having an experienced RAF attorney is highly recommended. RAF claims involve complex legal and medical procedures. Attorneys understand RAF regulations, can negotiate better settlements, and typically increase your compensation by 15% or more. Most RAF attorneys work on a contingency basis, meaning they only get paid if you win your claim.
What documents do I need for my RAF claim?
Essential documents include:
- Completed RAF1 claim form
- Police accident report (AR or CAS number)
- Medical reports from all treating doctors
- Hospital records and discharge summaries
- Proof of income (payslips, IRP5, employment contract)
- ID document and proof of residence
- All medical expense receipts and invoices
- Photographs of injuries and accident scene (if available)
How long does it take to receive RAF compensation?
RAF claim processing times vary significantly depending on the complexity of your case. Simple claims with clear liability and minor injuries may settle within 6-12 months. More complex claims involving serious injuries, permanent disability, or disputed liability can take 2-5 years or longer. Having proper legal representation can help expedite the process.
Can I claim if the accident was partially my fault?
South Africa follows the principle of apportionment. If you were partially at fault, your compensation will be reduced proportionally to your degree of fault. For example, if you were 30% at fault, your compensation would be reduced by 30%. However, even if you were partially negligent, you can still claim for the portion attributable to the other party's negligence.
What if the other driver was uninsured or fled the scene?
The RAF exists specifically for these situations. You can still claim from the RAF even if the other driver was uninsured, unidentified, or fled the scene (hit-and-run). The RAF is funded by the fuel levy, not insurance companies, so the other driver's insurance status doesn't affect your claim. You'll need a police report documenting the accident.
Can I claim for psychological injuries like PTSD?
Yes, the RAF recognizes psychological injuries including Post-Traumatic Stress Disorder (PTSD), depression, anxiety, and other mental health conditions resulting from the accident. You'll need documented evidence from a qualified psychologist or psychiatrist, including diagnosis, treatment records, and an assessment of how the condition affects your daily life and earning capacity.
What is the undertaking system for medical expenses?
The RAF undertaking system allows you to receive immediate medical treatment without paying upfront costs. Your attorney or medical provider submits an undertaking form to the RAF, which guarantees payment for approved medical treatment. This ensures accident victims get necessary care while their claims are being processed. Not all medical providers accept undertakings, so confirm in advance.
Will I have to go to court for my RAF claim?
Most RAF claims are settled out of court through negotiation between your attorney and the RAF. Going to court is typically a last resort if settlement negotiations fail or if there are significant disputes about liability or compensation amounts. Your attorney will advise you on the best approach for your specific case.
Is this calculator's estimate guaranteed?
No, this calculator provides an estimate only based on general RAF compensation principles and average settlement amounts. Your actual compensation will depend on specific factors including detailed medical assessments, expert witness reports, RAF evaluation procedures, negotiation skills of your attorney, and individual circumstances of your case. Always consult with a qualified RAF attorney for an accurate assessment of your specific claim value.
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