<Table> <Tr> <Td> </Td> <Td> This article needs additional citations for verification . Please help improve this article by adding citations to reliable sources . Unsourced material may be challenged and removed . (February 2014) (Learn how and when to remove this template message) </Td> </Tr> </Table> <Tr> <Td> </Td> <Td> This article needs additional citations for verification . Please help improve this article by adding citations to reliable sources . Unsourced material may be challenged and removed . (February 2014) (Learn how and when to remove this template message) </Td> </Tr> <P> The Road Accident Fund in South Africa, which is better known as the RAF, is a state insurer established by statute . It provides insurance cover to all drivers of motor vehicles in South Africa in respect of liability incurred or damage caused as a result of a traffic collision . Liability incurred in relation to property damage (such as damage to vehicles, buildings, vehicle contents) is excluded from cover . The Road Accident Fund operates a system whereby the claimant is assigned a percentage of responsibility for the accident, and the Road Accident Fund pays the claimant a percentage of a full settlement based on a percentage that was not deemed to be their responsibility . Insurance premiums are collected by the Road Accident Fund through a levy on motor vehicle fuel . </P> <P> The RAF is a juristic person established by an Act of Parliament, namely, the Road Accident Fund Act, 1996 (Act No. 56 of 1996), as amended (" RAF Act"). It commenced operations on 1 May 1997, assuming at the time, all the rights, obligations, assets and liabilities of the Multilateral Motor Vehicle Accidents Fund . The RAF is responsible for providing compulsory social insurance cover to all users of South African roads; to rehabilitate and compensate persons injured as a result of the negligent driving of motor vehicles in a timely and caring manner; and to actively promote the safe use of all South African roads . Section 3 of the RAF Act stipulates that "the object of the Fund shall be the payment of compensation in accordance with this Act for loss or damage wrongfully caused by the driving of a motor vehicle". The customer base of the RAF, therefore, comprises not only the South African public, but all foreigners within the borders of the country . The RAF provides two types of cover, namely personal insurance cover to accident victims or their families, and indemnity cover to wrongdoers . </P>

How the sa government provides support to road accident fund