With the state of the roads how do we protect our Clients?
I mentioned in a recently published article the difficulties posed for drivers having to deal with the shocking state of the roads.
Needless to say, we are being inundated with calls and claims of undercarriage damage caused to trucks and trailers by a few hard knocks from the unremitting potholes.
With the 2010 soccer World Cup on the horizon, I have come up with a few pointers which may be useful for not just our clients and members of the public, but also for the many foreign soccer fans and other visitors expected to flood into the country between May and July this year.
For foreigners travelling in our country:
For our clients:
Let’s take a look at some of the claims which have been submitted recently.
Look at the photograph accompanying this article. This not so little obstacle is a bit more than your average suburban pothole! How does one honestly come to terms with such a situation? Fortunately, the challenge for the insurance assessor is quite straightforward. By applying the ‘reasonable man’ test it can be determined that, even if the driver had not been entirely and completely cautious, this was an incident waiting to happen and very much out of the driver’s control. In this case, the owner of the car can expect a full and proper settlement.
To summarise, my point is that there will always be a trade-off between negligence and actuality. The difference now is that vehicle owners, fleet operators and tour guides have to plan and assume these risks are really out there and therefore train and route accordingly. There is just no alternative, or we will see a steep rise in this type of claim.
Here at HCV we are entreating our clients to plan, plan, plan and be alert! We know it is difficult but with the ongoing deterioration of South Africa’s road network, it has to be done.
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