The hard and unfortunate truth of driving in South Africa is that the vehicle next to you might not be insured. It is estimated that only 35% of vehicles in South Africa are insured! It is at present not a legal requirement that all motor vehicles must be insured. This amounts to a serious threat for the cautious and insured driver involved in an accident with an uninsured driver.

In terms of the existing legal framework, if a driver has been found by a court of law to have caused the accident, the driver or owner who has suffered damages has a right to sue the wrongdoer for damages.

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