Part of your claim, will be for future medical expenses which are accident related, and for which the relevant medical experts envisage that you will incur over the rest of you life.

If you are a passenger, and your driver was soley to blame for the accident, then your claim will be limited to the maximum sum of R25 000, of which future medical treatment forms part. All other patients will essentially have unlimited claims, if the accident was not due to their fault.

If warranted, we will arrange for you to be examined and evaluated by qualified medical and related experts who specialise in preparing comprehensive medico-legal reports. Based on their experience and using past medical statistics accumulated from all over the world, these reports will give recommendations as to the nature, extent and costs of probable future medical treatment. The RAF is also entitled to obtain second opinions if they so wish.

The RAF may then either make a cash lump sum offer in lieu of these future medicals, or may offer an "Undertaking" to pay for these expenses as and when they are incurred. The Undertaking (or "Certificate" as it is commonly referred to) will cover the reasonable cost of all envisaged future treatment, nomatter what the cost! It is not limited to any amount, nor can you be forced to use a government hospital - YES, it covers the reasonable cost of all treatment, even at a private hospital, for private surgeons and doctors, medicine etc.

The Undertaking also will cover the cost of "para-medical expenses", such as the extra cost of having your car converted from manual to automatic, the cost of having to employ an assistant or domestic servant (if supported by the medical evidence), costs of having the home converted (eg for paraplegic clients).

The choice of either awarding a lump sum cash award, alternatively an Undertaking, lies soley at the discretion of the RAF - if an Undertaking is offered by the RAF, then even a Court cannot overrule their decision, as in effect by so offering, the RAF have promised to pay for all your future medical costs - you cannot get better! Often, the RAF offer you a discounted (reduced)cash lump sum, or as an alternative, an Undertaking.

Undertakings are for the rest of you life, and cannot be limited in time or monetary amount - in effect, it is a free Medical Aid for the rest of you life!