Advocating for direct claims, RAF Manager Adv. Khathu Magadani explains how everyday people can navigate the system and whether a lawyer is truly necessary.
By Zuko Komisa

Let’s face it: getting into a car accident turns your world upside down in a second. Between the shock, physical pain, mounting medical bills, and lost income, figuring out how to pick up the pieces feels utterly exhausting.
That is precisely where the Road Accident Fund (RAF) steps in to offer a financial safety net for anyone suffering injuries or loss due to another driver’s negligence on South African roads.
So, how does the whole thing actually work?
Recently, Drive 959 was joined by Advocate Khathu Magadani, the RAF’s Manager for Campaign Management, who broke down the process.
The big question on everyone’s mind is whether you really need to hand your case over to an expensive attorney, or if you can just handle it yourself directly with the fund.
Navigating a claim successfully comes down to having your ducks in a row.
You need to gather vital documents like police reports, hospital records, witness statements, and photos of the scene. Timing is also critical, especially if you are dealing with a hit-and-run where the driver is unidentified.
Ultimately, knowing your rights can save you time, stress, and money.
Listen to the full conversation here:
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