List of Serious Injuries According to RAF

When it comes to claiming compensation from the Road Accident Fund (RAF) in South Africa, not all injuries qualify for a payout. The RAF specifies that only serious injuries are eligible for compensation. These injuries must have a long-term, significant impact on an individual’s life, particularly affecting their ability to work or earn an income. Below is a detailed list of such injuries that meet the RAF’s criteria:

  • Brain Injuries: Injuries to the brain can have extensive repercussions, affecting cognitive function, motor skills, and emotional regulation. The RAF recognizes the complexity and severity of brain injuries, which can result in lifelong challenges.
  • Spinal Cord and Neck Injuries: Injuries to the spinal cord and neck can lead to partial or complete paralysis, loss of sensation, and require extensive rehabilitation. Given their propensity to result in permanent disability, such injuries are classified as serious by the RAF.
  • Amputations: The loss of a limb is not only physically debilitating but also emotionally traumatic. The RAF provides compensation for such amputations, recognizing the profound impact they have on a person’s quality of life and independence.
  • Physical Disabilities: Injuries that result in conditions like paraplegia, quadriplegia, or tetraplegia are life-altering and necessitate substantial compensation due to the extensive care and adjustments needed for the injured individuals.
  • Whole-Body Impairment: If an injury results in a 30% or more whole-body impairment, it is considered serious. This measurement quantifies the overall impact of the injury on the person’s body functionality.
  • Permanent Disfigurement: Injuries that cause permanent disfigurement significantly affect a person’s self-image and social interactions, warranting them as serious.
  • Long-Term Mental Disorders: The RAF acknowledges that severe accidents can result in long-term psychological conditions that can hinder a person’s ability to lead a normal life and maintain employment.
  • Permanent and Disfiguring Scars: Scarring that causes permanent disfigurement is also taken seriously, particularly when it involves the face or other highly visible areas of the body.
See also  Road Accident Fund Claims Payouts for Different Injuries

It is imperative for claimants to understand that the RAF requires a medical assessment to confirm the severity of the injury. Medical experts, not the claimants or their legal representatives, must determine the serious nature of the injuries according to the RAF’s criteria. This process is essential to ensure that claims are legitimate and that the compensation provided is aligned with the long-term needs of the injured.

To navigate the complexities of filing a claim and to understand the full scope of compensation one might be entitled to, it is advisable to seek expert legal guidance. This ensures that all the necessary documentation, medical assessments, and evidence are appropriately presented to the RAF for the best possible outcome in the claims process.


Complete this form so that Qualified Lawyers who deal with RAF Claims can assist you as soon as possible.

NB: RAF has a strict time limit of three years in which to submit a claim from the date of the accident

NB: RAF has a strict time limit of three years in which to submit a claim from the date of the accident


This helps us prevent spam, thank you.