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UKUBANGA IMALI KWIROAD ACCIDENT FUND

IRoad Accident Fund (RAF) yi-inshorensi karhulumente esebenzangokomthetho obizwa ngokuba yiRoad Accident FundAct 56 ka-1996 (nanjengoko umane utshintshwa xa kufanelekile).Impantsi okanye ilawulwa nguRhulumente. Yenzelweukuhlawula amaxhoba engozi zendlela okanye abantu abaxhomekekekubantu abathe basweleka ngenxa yokungakhathalikomqqhubi okanye umnikazi wenqwelo nakweyiphi na indawoeseMzantsi Afrika.

Ngubani onelungelo lokubanga? 

• Ungabanga kuphela ukuba ayinguwe obangele ingozi.Umntu oxhomekeke kumntu osweleke ngenxa yengoziyemoto unelungelo lokubanga ukuba lo mntu uswelekileyoayinguye obangele ingozi.

• Ungabanga ukuba ubungumkhweli kwiimoto, iteksi, ibhasi,iveni okanye isithuthuthu waza wafumana umonzakalokwinngozi leyo ethe yehla.

• Awukwazi ukuba ungabanga xa kuthe kanti khange ufumaneumonzakolo kwingozi.

• Usenokungabi selungelweni lokubanga ukuba khangeufumane umonzakalo ‘omkhulu’.

• Lusenokungabikho ubango ukuba umntu osweleke engoziniakanabo abantu abaxhomekeke kuye.

INgaba kufuneka igqwetha?

Usenokubanga kwi-RAFngaphandle kwegwetha, kodwa

• inkqubo elandelwayo ukuze ubange kwi-RAF inzima;

• kufuneka ugqirha azalise iingxelo zonyango (ezibizwangokuba yi-RAF 1 ne-RAF 4) ekufuneka zihlawulelwe;

• kufuneka amaxwebhu afumaneka emapoliseni ekufunekaehlawulelwe ukuze afumaneke;

• kufuneka inkcazelo eyenziwe phantsi kwesifungo (iaffidavit)echaza malunga nengozi nokuba yenzeke kanjani;

• kufuneka iingxelo zonyango zezibhedlele noogqirha ekufunekazihlawulelwe;

• kufuneka uchaze ukuba ubango kwakho le mali lungakanani– ulucalucalule kwiphepha lokubanga (claim-form)uchaze ukuba yintoni oyibangayo, mhlawumbi ubangangenxa yezizathu eziliqela njengokuqaqanjelwa, ukonzakala,ukungabi nazinto zisisiseko zokuphila, ukuba ngumlwelwe,ukuba nesiphene nokothuka (izinto eziqhelekileyo),ukungabi namvuzo uwufumanayo, ukungakwazi ukusebenza,iindleko zonyango ezisenokubakho neendleko zexeshaelidlulileyo (izinto ezikhethekileyo);

• ukuze ukwazi ukubangaimali yezinto eziqhelekileyo njengokuqaqanjelwa,ukonzakala, ukungabi nazinto zisisisekozokuphila, ukuba ngumlwelwe, ukuba nesiphene nokothukakufuneka ukuba ubenengxelo yokuhlolwa kwazo (i-RAF 4)oyifumene kugqirha othe emveni kokuhlola wafumanisaukuba umonzakalo owufumeneyo mkhulo, njengoko kufunekagokoMithetho Nemimiselo yawo.Igqwetha elisebenza ngobango lwabantu abafumene umonzakalolinolwazi ngendlela yokukunceda nokuqinisekisa ukubaubango lwakho lubalwe kakuhle kwaye lufakwa kwiRAFngokwendlelaekufuneka ngayo ngokoMithetho Nemimiselo.Kukho amaxesha abekiweyo ekufunaka ubango lwakho lufakwengawo, ukuba akalandelwa loo maxesha isicelo, asokuzeukwazi ubanobango (ubango lwakho luphelelwe).Amagqwetha amaninzi asebenza ngokwenzakala kwabantubangazihlawula iindleko zobango kufikelele esiphelwenisobango lwakho.Ukuba igqwetha lakho alisebenzi kakuhle ngobango lwakho ,luvumela ubango lwakho luphelelwe okanye libange kancinane,ungafaka isikhalazo kwiqumrhu lomthetho wephondo (iLawSociety) okanye ulimangalele igqwetha lakho. Ukuba ubangoulenza ngokwakho uze wenze impazamo uvumele ubangolwaakho luphelelwe, iRAF ayizi kukubhatala kwaye soze uyifumaneintlawuloIgqwetha elisebenza ngabantu abonzakeleyo linolwazi lokubalikucebisa ngobungakanani bemali ofanele uyinikwe yiRAFngokwemeko yakho.

Iza kubiza imali engakanani?

Amagqwetha amaninzi asebenza ngobango lwabantu abonzakeleyoakulungele ukukumela

• ngaphandle kwentlawulo ukuba ubango lwakho aluphumeleliuze uhlawule xa ubango lwakho luphumelele; okanye

• ngokwesivumelwano sentlawulo, igqwetha liza kubizaimali ekufuneka ihlawulwe ngokumela. Igqwetha lisenokukulungelaukulindela ukuhlawulwa kweendleko emvakokuphela kwetyala.Amagqwetha amaninzi asebenza ngobango lwabantu abonzakeleyoasenokuqinisekisa ukuba indleko zokulungiselelaubango lwakho, nokufumana iingxelo zonyango ayazihlawulaenethemba lokuba uza kubabuyisela imali abakuhlawuleleyona xa sele uyifumene imali yobango lakho. Ezinye zezi ndlekozisenokufumaneka kwiRAF.Igqwetha elisebenza ngesivumelwano esenziweyo sokuhlawula 

(ingesiso isivumelwano sokuba intlawulo yegqwetha ifumanekaxa ubango lwakho luphumelele lingakubiza imali ngokwesivumelwanongomsebenzi awenzileyo kunye neendleko eziyezakhona.Amanye amagqwetha asenokufuna ukuba uhlawule ezinyezendleko njengoko ityala liqhubeka.Ukuba igqwetha livumile ukwenza umsebenzi lize lifumaneintlawulo xa luphumelele ubango lwakho

• isivumelwano sifanele sityikitywe nguwe naligqwetha(ufanele unikwe ikopi emva nje kokuba kutyikityiwe);

• igqwetha livumelekile ukuhlawulisa imali yokuphumelelakwetyala ukongezelela kule iqhelekileyo ayibizayo xaemela abantu. Imali yokuphumelela kwetyala iqingqiwengokoMthetho obizwa i Contingency Fees Act kwayeiyivumelekanga ukuba idlule amashumi amabini anesihlanuepesenti (25%) yemali othe wayifumana okanye ibe yi-100pesenti ngaphezu kwemali eqhelekileyo, enoba yimalini naimali engaphantsi;

• kwakhona kusenokufuneka uhlawule ezinye iindleko (njengeendlekozonyango, ezinye iindleko zoogqirha, ezeengxelozonyango, ezamaxwebhu amapolisa, iindleko zenkundlanjalo njalo). Ingxenye yemali yezo ndleko iye ifumanekakwiRAF.Ukuba awuziqondi kakuhle imali ekufuneka ihlawulwe okanyeimali yesivumelwano, cela igqwetha lakho likucacisele kakuhle.

Ngaba ungafaka isicelo ngokwakho kwi-RAF?

Ewe unokuyenza loo nto. I-RAF inenkqubo ethile eyisebenzisayoibe iqasha abantu abaza kuchazela abantu inkcazelo kwiiofisizamasebe. Kwakhona imisele abameli bayo kuzo zonke izibhedleleezikhulu zikarhulumente.

Xa usesibhedlele kusenokuza kuwe ummeli weRAF ecelaukukunceda ukuba ufake ubango lwakho lwemali.

Awunyanzelekanga ukuba uvume ukufaka isicelo ngokwakhokwiRAF okanye usebenzise igqwetha olikhuthazelwe ngumntuoye wathetha nawe esibhedlele okanye kwenye indawo.

Unelungelo lokuzifunela igqwetha elilelakho.

Hlola ukuba igqwetha libhaliswe ngokusemthethweni na ibelenza izinto ngokuvumelana nomthetho wequmrhu lwephondo.

Nangona i-RAF iza kukunceda ngokukucacisela indlela yokufakaubango lwakho lwemali ize ikuncede uzalise nefomu,kufuneka ufumane amaxwebhu afunekayo, kuquka iingxelozonyango nezinye iingxelo, onke ekufuneka uwahlawulele.

Ubango lwakho lufakwa kwiRAF. Ngumsebenzi weRAF ukuphandanokungaziquki zonke izinto ecinga ukuba ayinyanzelekangaukuba izihlawulele.

Kusenokubakhona ukungaboni ngasonye phakathi kwakhoneRAF malunga nokuba ingaba kufanelekile na ukuba uyifumaneintlawulo, ukuba kunjalo ingakanani intlawulo ofaneleuyifumane. Kwakhona iRAF ifanele iqiniseke ukuba wonzakele‘kakhulu’ ngaphambi kokuba ibone enoba uyakufanelekelakusini na ukuhlawulwa ngenxa yokuqaqanjelwa nokwenzakala.

I-RAF isenokungakuniki imali kuba ungakufanelekeli ukuyifumanaokanye kuba ungenzakalanga ‘kakhulu. Kwakhona isenokugqibaekubeni nguwe ongunobangela wengozi ize ikunikeimalana nje yezinto olahlekelwe zizo.

Ngaphandle kokucetyiswa ligqwetha elizimeleyo, usenokungayazienoba iRAF yenze isigqibo esifanelekileyo kusinina malunga nentlawulo oyifumanyo .

Ngexesha ofuna ngalouncedo, usenokungalufumani ukuba ingcebiso zengqwethakhange ulifune kwangethuba.

Unexesha elingakanani lokuba ufake ubangolwakho?

amabango kufuneka afakwe kwiminyaka emithathu ukususelangosuku eyenzeke ngayo ingozi ukuba umntu ebeqhuba okanyeumnikazi wemoto uyaziwa. Ukuba akaziwa umnikazi okanyeumqhubi ongunobangela wengozi, isicelo kufuneka sifakwekwiminyaka emibini.Emva kokuba isicelo sifakiwe kulindwa iintsuku eziyi-120.Emva koko amanyathelo okusa ubango lakho enkudleni asnokuthathwakwiminyaka emihlanu ukususela kusuku eyenzekengayo ingozi. Ukuba ubango lwaakho lufafakwe emva kwexesha,okanye amanyathelo okusa ubango lakho akathathwangangethuba, ubango lwakho luzakuphelelwa.

Izinto onokuzibuza igqwetha lakho

• yimaini ezakubangwa ligqwetha lakho.

• Igqwetha lakho licinga ukuba ubango lwakho luzakuthathaixesha elingakanani i ngaphambi kokuba lufikelele esiphelweni

• Nawuphi na umbuzo malunga nentlawulo yemali eza kuhlawulwakunye neendleko.

• Cela ingxelo ngokwenzekayo ngobango lwakho ukuze uhlaleusazi ukuba kumaxa lundawoni.

• Cela ukuchazelwa kakuhle ngemali ekufuneka uyihlawulileemva kokuphela kwetyala.

Yintoni ofanele uyenze emva kwengozi?

Bhala amagama neefani gokupheleleyo, idilesi (eyasemsebenzinineyasendlini) neenombolo zefowuni (ezeselfowuni nefowuni esendlini)zabo bonke abaqhubi, abakhweli kunye namangqina neenombolozeenqwelo.

Bhala iinkcukacha zamapolisa okanye iitrafiki ebezikwindawo yengoziukuze usazi isikhululo samapolisa esiphanda ngengozi.Bhala iinkcukacha ze-ambulansi, ukuba unokuzifumana.

Bhala iinkcukacha zenkampani ekutsalele inqwelo yakho ukuze inqweloyakho ifotwe ngaphambi kokuba ilungiswe.

Ukuba wonzakele kakhulu kangangokuba awunakukwazi ukwenza ezizinto zingasentla cela ilungu lentsapho yakho okanye umhlobo wakhoukuba akucelele le nkcazelo emapoliseni aphanda ingozi, ukuba kunokwenzekaafumane ikopi yengxelo yengozi.

Xa ufumana umntu osemthethweni ukuze akuphandele ngengozi eyenzekileyousemathubeni amahle okuba kungabikho zingxaki xa kubuzwangendlela eyenzeke ngayo ingozi.

Chazela amapolisa ngengozi zingekapheli iiyure ezingamashumi amaneanesibhozo(48). Abaqhubi benqwlo ezibandakanyeke engozini BAFANELEbachazela amapolisa ngoko nangoko xa kwingozi leyo kuye konzakalaabantu okanye kuye kwasweleka abantu.

Ukuba wonzakele kakhulu ibe akukwazi ukuyenza loo nto, cela ilungulentsapho okanye umhlobo wakho ukuba akukhangelele enoba le ngozisele ichazelwe amapolisa kusini na aze acele amapolisa ukuba aphandengokubhekele phaya.

Ukuba sele unalo igqwetha liza kukunceda likuphandele.

Ukuba omnye umntu okhwele kule nqwelo uyiqhubayo wenzakele, ibeungumqhubi wenqwelo ebandakanyeke engozini, chazela iRAF ngaloongozi. Igqwetha lakho lingakunceda.

Ukuba lo mbandela awuphandwa ngamapolisa, zama ukufumana inkcazaebhaliweyo kuwo onke amangqina kamsinyane kangangoko kunokwenzeka.

Ukuthatha izithombe zendawo eyenzeke kuyo ingozi kunye nezithombezenqwelo o ezibandakanyeke engozini akunyanzelekanga kodwakunokunceda kakhulu ingakumbi xa kukhona ukungavisisani malunganendlela eyenzeke ngayo ingozi.

Xa uthatha isithombe sendawo ekwenzeke kuyo ingozi, thatha isithombesayo nantoni na esendleleni okanye iindawo ezibonisa ukutyibilika kwenqwelookanye indawo eyenzeke kuyo ingozi.

Ukuthatha izithombe zomozakao nako kunokunceda ukuze kubonweindlela owenzakele ngayo xa kufikelela ithuba lokuba unike ubungqina.

Qiniseka ukuba ingxelo zendlela onyangwe ngayo ngugqirha okunyangayozineenkcukacha ezicacileyo, kuquka unyango olusebenzisileyo – ngokukodwaukuba iipilisi namayeza awuwafumenanga kugqirha wakho.Umzobo wendawo eyenzeke kuyo ingozi nawo unokunceda.