THE maskandi brotherhood is in a state of grief following the passing of Thuleleni “Mabongi” Dlamini.
On Wednesday, July 20, a member of Othandekile who was eight months pregnant and was involved in a terrible accident in Dundee, KwaZulu-Natal, perished in a ball of fire.
Thandekile Ngubane, her mother, is 58 years old. She stated that her daughter, Nokubongwa Hadebe, who is 35, was traveling from Johannesburg to Nkandla with her (5).
“She phoned me and let me know that she was still on her way,” he said. In the later part of the evening, I tried to call her, but she did not pick up her phone.
“At about eight o’clock in the evening, we got a message alerting us that she was burned while riding in a cab.
We made a hasty trip to the location and located her daughter there. “She explained to us what had occurred with her mother,” the woman stated. Thandekile reported that they did not yet know what ignited the fire.
“When the tragedy occurred, Mabongi pushed her daughter through the window, but she was unable to escape the fire or leap out of the window.
“She had seven months of pregnancy under her belt. “I believe that because of this, it was physically impossible for her to flee,” she stated.
“Nokubongwa claims that everything transpired in such a rush, that she was forced to watch her mother burn inside the vehicle.”
Because they are awaiting the results of the post-mortem examination, Thandekile stated that she did not know when or how Mabongi would be buried.
She cried out to the community for assistance, saying, “I beg to Good Samaritans to help me bury my baby.”
Captain Mhlongo, a member of the band Othandekile, said that the passing of Mabongi was a tragedy for the music industry.
The Mayor of Nkandla, Mbhekiseni Biyela, stated that he had already paid a visit to the family and that he will assist the family in burying her.
Accidents in South Africa as an uninsured driver
Hugo du Preez, the short-term technical operations manager at PPS, points out that automobile accidents can take place in the wink of an eye and at a moment when you are the least prepared for them. Even if you get away from the scene of the accident unscathed, being engaged in a collision is typically a very inconvenient experience for drivers.
Although insurance companies make every effort to minimize the inconvenience, there is no way to avoid having to fill out paperwork and record the incident at the local police station.
The current economic situation, with its steadily rising cost of living, creates an environment in which the temptation to temporarily cancel short-term insurance to make ends meet is high. Despite the fact that we understand that many customers are going through tough financial times, we urge you to give serious thought to the decision to cancel your insurance policy, particularly if you intend to keep driving the vehicle in question.
Because there are so few vehicles covered in comparison to the amount of accidents that occur on the roads, it is difficult for insurance companies to cut their rates. These is especially true in this time of rising inflation, when prices for service and vehicle parts, particularly for imported vehicle brands, have soared.
What then takes place if you are involved in an accident but do not have automobile insurance? You are, in effect, your own insurer, and you will be responsible for paying the costs of any necessary repairs out of your own personal funds. Even if it’s not foolproof, having insurance that protects you against third parties is one of the best methods to safeguard yourself. If it is determined that you were the one who caused the accident, however, this will only pay for the damages incurred by the other person or entity.
Some drivers have the mistaken belief that if they are uninsured and are involved in an accident with an insured driver who admits that they were at fault for the accident, the insured driver’s insurance company will pay for the damages caused by the uninsured driver. This is not the case.
This is not the situation at all. If you do not have auto insurance and another motorist causes damage to your vehicle and acknowledges fault, the insurance company may not pay for the repairs to your vehicle. Any court will not take into consideration a statement made at the scene of the accident that admits responsibility for the accident. When deciding whether or not to accept liability, each claim is evaluated based on its own merits, and numerous variables are taken into consideration.
Legal action could still be taken by the driver who did not have insurance. Nevertheless, there is no guarantee that it will work in their favor. The Law of Collisions provides the foundation for the legal case that will be brought against the careless motorist who was responsible for the accident. These case laws are founded on the legal concepts and tenets that pertain to road accidents, particularly in regard to the damage that is caused to automobiles.
During the course of the negotiations for the settlement, the Apportionment of Damages Act will also come into play. When determining an appropriate distribution of damages, the courts are required to take into account the degree of negligence exhibited by all parties involved and apply the Act.
On the other hand, apportionment might not be necessary in certain situations, such as when a car is parked and there is a collision from behind.
It is contingent on the other party’s account of what took place as well as any other relevant factors. The computation is done by applying the relevant case laws relating the circumstances, meaning the percentage applicable will be applied to the “uninsured” third-party quantum amount.
After that, either the remaining percentage that is relevant (which is due by the other party) or the quantum amount of the insured party needs to be removed. In many cases, this results in the uninsured party having to pay for the damages itself. When the vehicles are able to be repaired, the uninsured third party will be responsible for making up the difference in cost to the repair shop.
When determining how much of a settlement each party will receive, the valuations of the automobiles involved are also taken into account.
Consider the following scenario: the value of the insured vehicle is R1 million, whereas the value of the uninsured vehicle is R100,000. The insurance company acknowledges that their customer was 80% responsible for the damage done to the vehicle that did not have insurance. They will only pay for 80% of the losses (R80,000), hence the uninsured driver is responsible for paying for 20% of the damages caused to the insured car (R200,000).
It indicates that the uninsured party will still be responsible for paying R120,000 to the insurer.
In the event that the uninsured vehicle is deemed a total loss, the insurer will deduct the vehicle’s salvage value from the settlement, which is typically 30 percent of the total amount. In the event that the vehicle is deemed a total loss, the insurers will use the current market value of the uninsured vehicle (not retail). A portion of the total cost will be reduced to account for the salvage, which will be kept by the third party.
This figure is often determined to be between 30 and 45 percent of the car’s current market value. After that, the allocation procedure that was outlined earlier will also be carried out. It is always better to have insurance cover for your vehicle in order to avoid the stress and possible financial loss that comes with being uninsured. In order to avoid the headache, it is always better to have insurance cover for your vehicle.