Personal Injury - Treatment & Rehabilitation

The Fund is now involved in the claims process from the accident occurrence through partnership with EPR. Our Case

Management team will endeavour to visit accident survivors at the hospital bed upon notification of the accident to assist the patients to lodge a claim and initiate the treatment and rehabilitation process. In cases where a claimant walks in to lodge a Past medical expenses claim, these are reimbursed to the claimant only when proof of expenditure has been produced. Future medical expenses are determined mostly through the services of various medical experts to whom the Fund sends claimants for examination. Personal injury claims are covered up to E1 000 000 per accident.

Loss of Earnings or Income (Past, Present & Future)

Past loss of earnings or income is offered where the claimant due to his/her injuries was unable to work and as a result lost income before he/she was made an offer. On the other hand, future loss of earnings/income is offered where the claimant due to his/her injuries will be unable to work even after the time of the offer being made, either for a specified period or for the rest of his/her life.

Unlike past loss of earnings/income, though the money is reflected as part of his/her compensation, it is not given to the claimant as cash, but paid to the claimant in annual instalments. Compensation up to E350 000 subject to the overall limit of E1 000 000.

General Damages

General Damages are offered to the claimant for pain and suffering, disfigurement, loss of advantage or loss of amenities. It could be referred to as “sorry money”. Though the claimant is required to state a figure when filling our claim form, the amount offered is calculated based on precedents, thus may be lower or higher than what is anticipated. Compensation up to E150 000 subject to the overall limit of E1 000 000.

Funeral Claims

People who have lost relatives to a road traffic accident within the country have the right to claim compensation for funeral costs. What should be noted here is that proof of expenditure must be produced. This could be in the form of receipts of expenditure, for instance, at a morgue, or an invoice for a purchased coffin. However, the Fund can only reimburse expenses up to a maximum figure of E10 000.

Loss of Support for Dependants of Deceased Victims

Where a breadwinner has died in a road traffic accident, his/her Dependants have a right to claim loss of support from the Fund. What is required in such cases is proof of the deceased’s earnings at the time of the accident, which could be in the form of pay slips or bank statements. Compensation up to E350 000 subject to the overall limit of E1 000 000.