ummeli Read in English Lees in Afrikaans Read in Setswana Read in isiXhosa

UKUCELA UKUKHOKHELWA ESIKHWAMENI SOKUNXEPHEZELA IZISULU ZEZINGOZI ZOMGWAQO KUNGANI KUFANELE USEBENZISE UMMELI?

Isikhwama Sokunxephezela Izisulu Zezingozi Zomgwaqo (Road Accident Fund (RAF)) uhlelo olulawulwa uhulumeni olusebenzangokuvumelana nemibandela yoMthetho 56 ka-1996 weSikhwamaSokunxephezela Izisulu Zezingozi Zomgwaqo (njengoba uchitshiyelwe).Yinhlangano yombuso eyasungulelwa ukukhokha isinxephezeloezisulwini zezingozi zomgwaqo ezilimele noma kulabo abondliwayizo ngenxa yobudedengu bomshayeli noma umnikazi wemotokunoma iyiphi indawo eNingizimu Afrika.

Obani abangafaka isicelo sesinxephezelo?

• Ungafaka isicelo kuphela uma ingozi ingazange nhlobo idalweyiphutha lakho. Obekade ondliwa ngumufi angafaka isicelosesinxephezelo uma umondli kungeyena ongabekwa icalangengozi.

• Ungafaka isicelo uma ubungumgibeli emotweni, etekisini,ebhasini, evenini noma esithuthuthwini futhi uye walimalaengozini.

• Ngeke ukwazi ukufaka isicelo uma ungazange ulimale engozini.

• Ngeke ukwazi ukufaka isicelo uma ukulimala okutholile kungazangekube ‘kubi kakhulu’.

• Uma kungekho muntu obenakekelwa ngumufi, akukho sicelosesinxephezelo esingafakwa ngenxa yokufa kwakhe.

Ingabe udinga ummeli?Ungafaka isicelo sesinxephezelo ngokuqondile kwi-RAF, kodwa

• ukufaka isicelo sesinxephezelo kwi-RAF kuyinquboeyinkimbinkimbi nenzima;

• imibiko yezokwelapha (RAF 1 ne-RAF 4) kudingeka igcwaliswengodokotela, futhi iyakhokhelwa;

• amadokhumenti kumelwe alandwe ophikweni lwe-SouthAfrican Police Service, futhi ayakhokhelwa;

• i-affidavit echaza indlela ingozi eyenzeke ngayo kumelweilungiselelwe bese ifakwa kanye nesicelo sesinxephezelo;

• amarekhodi ezokwelashwa kudingeka atholakale ezibhedlelanakodokotela, futhi ayakhokhelwa;

• kudingeka uningilize esicelweni sakho – okusho ukuthi ubaluleefomini lesicelo sakho izinhlobonhlobo zamadameshi ofunaukuba ukhokhelwe wona njengobuhlungu nokuhlupheka,ukulahlekelwa yizinzuzo zokuphila, ukugogeka, ukukhubazeka,ukushaqeka (amadameshi avamile), ukulahlekelwa umholo,ukulahlekelwa yikhono lokusebenza, izindleko zezokwelashwazangesikhathi esizayo kanye ezindleko zangesikhathi esidlule(amadameshi akhethekile);

• ukuze ucele ukukhokhelwa ngamadameshi avamile obuhlungunokuhlupheka, ukulahlekelwa yizinzuzo zokuphila, ukukhubazeka,ukugogeka nokushaqeka kufanele ufake umbikowokuhlolwa ofakazela ukuthi ulimale kabi (RAF 4) okwenziwanguchwepheshe wezokwelapha ogogodile ozohlola ukuthiukulimala kwakho ‘kubi kakhulu’ njengoba kuhlinzekweeMthethweni naseZiqondisweni.Ummeli osingatha izicelo zokulimala kwabantu unolwazi nesipiliyonisokukusiza nokuqinisekisa ukuthi isicelo sakho sokukhokhelwaisinxephezelo sibalwa kahle futhi sethulwa kwi-RAF ngokuvumelananoMthetho neZiqondiso. Kunezikhathi ozikalelwe zokufakaisicelo sokunxeshezelwa futhi uma wehluleka ukunamathelaezikhathini ozinqunyelwe, isicelo sakho sokunxeshezelwa ngekesishaywe mkhuba (siphoqelelwe umthetho).Abameli abaningi abasingatha amacala okulimala komuntu bazobalafuthi bahlanganise izindleko ezidingekayo zokudlulisela isicelosakho sokunxeshezelwa emthethweni ngesikhathi kusalindlelweukuphothulwa kwesicelo sakho.Uma abameli bakho bengasisingathi isicelo sakho sokunxeshezelwangendlela efanele, bebambezela isicelo sakho noma befaka isicelosemali engaphansi kwaleyo okufanele uyithole, ungafaka isikhalazoenhlanganweni yomthetho yesifundazwe efanele futhi/nomaumangalele ummeli wakho. Uma uzifakela wena isicelo bese wenzaiphutha ulinde isicelo sakho size siphelelwe isikhathi, i-RAF ngekeikukhokhele futhi akukho sinxephezelo ozosikhokhelwa.Ummeli osingatha amacala okulimala kwabantu unolwazi nesipiliyonisokukweluleka maqondana nokuthi imali ekhokhwa yi-RAFyokukhokhela isicelo sokunxeshezelwa ilingene futhi yanele yiningokuvumelana nodaba lwakho.Kuzongibiza malini?Abameli abaningi abasingatha izicelo zokunxeshezelwa komuntuolimele bazobe bekulungele ukusingatha udaba lwakho ngokwalemibandela

• ngokwesisekelo sokukhokhelwa ngephesenteji yemali ozoyithola(contingency basis); noma

• ngokwemibandela yemali enivumelane ngayo, lapho ummeliezokukhokhisa khona imali evamile ngokwamananienivumelane ngawo. Ummeli angase akulungele ukulinda kuzekuyophothulwa icala bese ekhokhelwa zonke izimali zakhekubandakanya nezindleko.Abameli abaningi abasingatha amacala okulimala kwabantubangase bazimisele ukuthwala kanye/noma ukukhokhela zonkeizimali ezidingekayo ukuze kulungiselelwe isicelo sesinxephezelosakho, kubandakanya ukuthola amarekhodi akho ezokwelashwakanye nemibiko ebandakanya ezokwelashwa nezomthetho ngokwesisekelosokuthi bazokhokhelwa lezo zindleko ngemva kokuphothulwakwezinqubo zesicelo sakho sokunxeshezelwa. Ezinyezalezi zindleko zizotholakala kwi-RAF njengeziyingxenye yezindlekookumelwe zikhokhwe.Ummeli osebenza ngokwemibandela yesivumelwano sokukhokhelwa(hhayi ukukhokhelwa ngemva komsebenzi) angakukhokhisangokwemibandela yesivumelwano sawo wonke umsebenzi

owenziwe kanye nazo zonke izindleko angene kuzo.Abanye abameli bangase bafune ukuba ukhokhele ezinyezezindleko ngesikhathi icala lakho liqhubeka.Uma ummeli esebenza ngesivumelwano sokukhokhelwa kamuva(contingency)

• isivumelwano kumelwe sisayinwe nguwe nommeli (kumelweunikezwe ikhophi ngesikhathi nisayina);

• ummeli unelungelo lokukukhokhisa imali yokuphumelelangaphezu kwemali evamile. Isilinganiso semali yokuphumelelasilawulwa ngokwemibandela ye-Contingency Fees Act(uMthetho Wokukhokhelwa Kommeli Ngokwesilinganiso SemaliOzoyithola) futhi asinakuba ngaphezu kuka-25% wemaliozoyithola,noma u-100% ngaphezu kwezimali ezivamile ezikhokhiswayo,noma yisiphi isilinganiso semali esiphansi;

• kuzodingeka futhi ukuba ukhokhele ezinye izindleko (njengezimalizezokwelapha nezochwepheshe, amarekhodi ezokwelashwa,amadokhumenti asemaphoyiseni, izindleko zenkantolonokunye). Ezinye zalezi zizotholakala kwi-RAF njengengxenyeyezindleko ezizophuma emalini oyikhokhelwayo.

Uma ungasiqondi isivumelwano semali ekhokhelwa ukwenzelwaumsebenzi noma sezindleko ezikhokhwa ngemva kokuphothulwakwecala (contingency fee), khona-ke kumelwe ucele ummeli wakhoukuba akuchazele isivumelwano ngendlela efanele.

Ungasenza yini isicelo sokunxeshezelwa ngokuqondile kwi-RAF?

Yebo ungasenza. I-RAF inohlelo olusebenzayo futhi isebenzisaizikhulu zokwaziswa emahhovisi ayo egatsha. Futhi iye yakhethaabameleli kuzo zonke izibhedlela ezinkulu zikahulumeni.

Ngesikhathi usesibhedlela ungase uvakashelwe yinxusa le-RAFlizokusiza ukuba wenze isicelo sokukhokhelwa isinxephezelongokuqondile.

Awubophekile ukuba uvume ukwenza isicelo ngokuqondile kwi-RAF(ukwenza isicelo ngqo) noma ukukhetha ummeli omnconyelwengothile oye wakuvakashela esibhedlela noma kwenye indawo.

Unalo ilungelo lokukhetha ummeli wakho.

Hlola ukuthi ummeli wakho ubhalisiwe yini ngokusemthethweninokuthi unokuma okuhle yini nenhlangano yomthetho yesifundazweefanelekile.

Nakuba i-RAF izokusiza ngokukuchazela indlela yokwenza isicelosokunxeshezelwa futhi ikusize ngokugcwalisa ifomu lokwenzaisicelo, kuzodingeka ukuba uthole futhi ukhokhele wonke amadokhumentiadingekayo, kubandakanya nemibiko namarekhodiezokwelashwa.

I-RAF yinhlangano owenza kuyo isicelo sokunxeshezelwa futhikuwumsebenzi wayo ukuphenya nokungazikhokheli zonke izicelozokunxeshezelwa ezibheka njengengenasibopho sokuzikhokhela.Imibono ingase yehluke phakathi kwakho ne-RAF maqodananokuthi uyakufanelekela yini ukunxeshezelwa (ukuvunwa yicala)futhi, uma kunjalo, imali okufanele uyikhokhelwe. I-RAF kumelwefuthi yaneliswe ukuthi ukulimala kwakho ‘kubi kakhulu’ ngaphambikokuba uthole ilungelo lokukhokhelwa ngobuhlungu nokuhluphekaobhekene nakho. I-RAF ingase isenqabe isicelo sakho umakutholakala ukuthi ukulimala ‘akukubi kakhulu’. Ingase futhi inqumeukuthi nawe ube neqhaza kule ngozi futhi ikukhokhele kuphelaiphesenteji yokulahlekelwa kwakho.

Ngaphandle kweseluleko esivela kummeli ozimele, ngeke wazinhlobo ukuthi noma isiphi isinxephezelo osikhokhelwa yi-RAFsifanelekile yini futhi/noma ukuthi leso sicelo sesinxephezelo senqatshwekufanele yini. Ngesikhathi ozobe usufuna ngaso iselulekoesiseceleni kungenzeka kube sekwephuze kakhulu.

Yisikhathi eside kangakanani osidingayo ukuze ufake isicelo sokunxeshezelwa?

Izicelo zokunxeshezelwa kufanele zifakwe phakathi kweminyakaemithathu kusukela osukwini ingozi eyenzeka ngalo uma umshayelikanye/noma umnikazi wemoto ayesephutheni sekwaziwa ukuthiungubani. Uma kungenakwenzeka ukwazi ukuthi ungubaniumshayeli wemoto osephutheni, khona-ke isicelo kumelwe sifakwephakathi kweminyaka engu-2.

Ngemva kokuba sekufakwe isicelo sesinxephezelo kukhona inkathiyokulinda eyizinsuku ezingu-120.

Ngemva kwalokho amasamanisi asengakhishwa phakathi kweminyakaengu-5 kusukela osukwini ingozi eyenzeka ngalo. Uma isicelosakho sifakwa sekwephuzile noma amasamanisi engakhishwangesikhathi, isicelo sakho ngeke siphoqelelwe umthetho (ngekesivunywe).

Lokho ongakubuza kummeli wakho

• Yimalini ummeli wakho azofaka isicelo sokuba uyikhokhelwe.

• Ummeli wakho ucabanga ukuthi isicelo sakho sizothathaisikhathi esingakanani ngaphambi kokuba siphothulwe.

• Noma yimiphi imibuzo maqondana nezimali ezizokhokhiswanezinye izindleko.

• Buza ngemibiko yentuthuko esiyenziwe ukuze uthole ukuthiisicelo sakho sisingathwa kanjani.

• Buza ngazo zonke izinto eziye zenziwa ekuphothulweni kodabalwakho.

Yini okumelwe uyenze ngemva kwengozi?

Thola amagama aphelele, ikheli (elasemsebenzini nelasekhaya) kanyenezinombolo zokuxhumana (zikamakhalekhukhwini nezocingo lwelandline)zabo bonke abashayeli, abagibeli nofakazi, kanye nezinombolozamanambapuleyiti emoto.

Thola imininingwane yamaphoyisa noma izikhulu zomgwaqo ebezikhonalapho kwenzeke khona ingozi ngaleyo ndlela wazi ukuthi yisiphi isiteshisamaphoyisa esizophenya ngale ngozi.

Thola imininingwane ye-ambulensi, uma kunokwenzeka.

Thola imininingwane yenkampani yeloli elizodonsa izimoto ukuze imotoyakho ithathwe izithombe ngaphambi kokuba ilungiswe.Uma ulimele kabi futhi ungenakukwazi ukwenza noma iyiphi yalezi zintoezishiwo ngenhla, zama ukuthola ilungu lomndeni noma umngane ozokutholelaukwaziswa okuningi ngangokunokwenzeka kwi-SAPS ephenyanengozi futhi uma kunokwenzeka, uthole nekhophi yombiko wengozi.

Uma ungakwazi ukusheshe uthole umuntu onguchwepheshe ozophenyangezimo zale ngozi kuzoba ngcono kakhulu ngawe ikakhulu uma kungasekube nempikiswano maqondana nendlela ingozi eyenzeke ngayo.

Bika le ngozi kwa-SAPS phakathi namahora angu-48. Zonke izingoziokube khona kuzo ukulimala kwabantu noma ukufa KUMELWE zibikweemaphoyiseni ngabashayeli bezinqola ababandakanyekile ngokusheshangangokunokwenzeka.

Uma ulimele kabi futhi ungakwazi ukukwenza lokhu, cela ilungu lomndeninoma umngane ukuthola ukuthi le ngozi iye yabikwa yini ngothile nomacha, futhi ucele i-SAPS ukuba iphenye kabanzi.

Uma kuwukuthi usumkhethile kakade ummeli, angase akusize ngalokhu.

Bika le ngozi kwi-RAF uma othile eye walimala kanye nawe, futhiubungumshayeli wemoto ebandakanyeke kuleyo ngozi. Ummeli wakhoangakusiza ngalokhu.

Uma lolu daba lungazange luphenywe yi-SAPS, zama ukuthola izitatimendekubo bonke ofakazi ngokushesha ngangokunokwenzeka.

Ukuthatha izithombe zalapho kwenzeka khona ingozi kanye nezimoto ezibandakanyekileakuphoqelelwe, kodwa kungaba usizo kakhulu, ikakhulukuba nempikiswano ngalokho okwenzeke engozini.

Lapho nithatha izithombe zokwenzeke engozini, uma kungenzeka bonisazonke izinsalela emgwaqweni noma izimpawu zokushelela noma ezinyeizinkomba zalapho ingozi yenzeke khona.

Ukuthatha izithombe zokulimala kwakho nakho kungaba usizo laphokamuva ufakazela amadameshi akho.

Qinisekisa ukuthi udokotela okwelaphayo ubhala phansi ukuvakashanoma anikeze ukwaziswa okuningiliziwe, kubandakanya nokwelashwa– ikakhulu lapho lokhu kwelashwa ungakunikezwa khona ngudokotelawakho ovamile.

Uhlelo oluwumdwebo lwesigameko olubonisa izindawo ezicacile laphokwenzeke khona ingozi nalo luyoba usizo.