Case Law[2022] ZAGPPHC 1009South Africa
Mbewe v Road Accident Fund (7857/2018) [2022] ZAGPPHC 1009 (30 November 2022)
High Court of South Africa (Gauteng Division, Pretoria)
30 November 2022
Judgment
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# South Africa: North Gauteng High Court, Pretoria
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## Mbewe v Road Accident Fund (7857/2018) [2022] ZAGPPHC 1009 (30 November 2022)
Mbewe v Road Accident Fund (7857/2018) [2022] ZAGPPHC 1009 (30 November 2022)
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# IN
THE HIGH COURT OF SOUTH AFRICA
IN
THE HIGH COURT OF SOUTH AFRICA
# GAUTENG
DIVISION, PRETORIA
GAUTENG
DIVISION, PRETORIA
CASE
NO: 7857/2018
REPORTABLE:
NO
OF
INTEREST TO OTHER JUDGES: NO
REVISED.
30
November 2022
In
the matter between:
MBEWE
:
PETRUS SHIMANE
Plaintiff
and
ROAD
ACCIDENT FUND
Defendant
DATE
OF JUDGMENT:
This judgment was
handed down electronically by circulation to the parties’
representatives by email. The date and time of
hand-down is deemed to
be 10h00 on
30 November 2022
.
# JUDGMENT
JUDGMENT
KHASHANE
MANAMELA, AJ
## Introduction
Introduction
[1]
The plaintiff in this matter was injured
in a motor vehicle accident during the night of 9 November 2016. He
was driving a motorcycle
which collided with a motor vehicle around
or near R556 Road in Ledig, North West Province. He was 31 years old
at the time of
the accident as he was born on 27 August 1985. He
sustained the following injuries from the accident: fractured left
knee; fractured
right femur, and fractured right fibula. He blamed
the negligent driving of the driver of the motor vehicle (‘insured
vehicle’)
to have caused the accident.
[2]
On 6 February 2018, the plaintiff issued
summons against the Road Accident Fund, the defendant, in terms of
the provisions of the
Road Accident Fund Act 56 of 1996 (‘the
Act’) claiming compensation initially in the amount of R530 000
for damages
he allegedly suffered due to the injuries from the
accident. On 6 May 2022, this Court
per
Tlhapi J granted an order whereby
the defendant’s defence in the principal action was struck out
and, thenceforth, the matter
proceeded towards the granting of
default judgment at the instance of the plaintiff.
[3]
On 5 October 2022, the matter came
before me for a hearing
via
video
link. Mr H Schouten appeared on behalf of the plaintiff. There was no
appearance on behalf of the defendant, ostensibly, due
to the
striking out of its defence referred to above. I reserved this
judgment after oral submissions by counsel. Counsel, gratefully,
had
also filed detailed written submissions (incorporating the material
contained in a document labelled ‘Exhibit A’)
on behalf
of his client in terms of the practice directives of this Division.
[4]
Counsel for the plaintiff advised that
issues relating to liability or merits have been settled
on
80/20%
basis
in
favour
of
his
client,
the
plaintiff.
This
meant
that
the
issues remaining for determination in
this matter are those relating to the
quantum
of the plaintiff’s claim for
future medical, hospital and related expenses; past and future loss
of income or earnings, and
general damages.
## Evidence
and submissions on behalf of the plaintiff
Evidence
and submissions on behalf of the plaintiff
General
[5]
The plaintiff’s highest academic
achievement is grade 11. He quit school whilst in grade 12 in 2001.
His reason for quitting,
reportedly, is that he had to attend to
family responsibilities and could not afford to go back to school. He
has on-the-job training
as an electrician and also holds a motor
vehicle driving licence.
[6]
The plaintiff’s employment history
includes the following. As from 2002 to 2006 he worked as a
semi-skilled electrician at
Robbies Electrical. He quit this job,
reportedly, due to his father’s passing, as he had to return
home. During 2007 to 2009,
the plaintiff worked as a semi-skilled
electrician at Edison Power. Again he quit this job to return to his
previous job at Robbies
Electrical. He worked there from 2010 to 2015
as a semi-skilled electrician, but again quit for a better
opportunity. From January
2016 until he was involved in the accident
he was working as a semi-skilled electrician and technician at DMG
Automatics. He convalesced
for 13 months, receiving payment for 3
months and unpaid leave for the remaining 10 months. In 2017, DMG
Automatics was liquidated
and taken over by OCS Africa. The plaintiff
worked for the latter entity from January 2018 to March 2020 when his
contract expired
and was not renewed.
Plaintiff’s
injuries and/or sequelae /expert medico-legal reports and opinion
[7]
The
plaintiff had obtained medicolegal reports by experts who had
assessed his injuries and their
sequelae
.
The experts had subsequently filed affidavits to confirm their
respective opinions and other contents of their reports as envisaged
by the practice directives of this Division. Also, this was necessary
for purposes of an order in terms of Rule 38(2)
[1]
of the Uniform Rules of this Court. I allowed for the evidence to be
adduced or given on the basis of the filed affidavits.
[8]
The aforementioned reports and
affidavits include an RAF 4 Form (i.e. serious injury assessment
report form) by Dr Read, an orthopaedic
surgeon, who qualified the
plaintiff’s injuries as serious in terms of the narrative test
5.1 (i.e. serious long-term impairment
or loss of a body function).
There is also another RAF 4 Form completed by Professor Chait, a
plastic surgeon, who qualified the
plaintiff’s injuries as
serious by stating that they equate to whole person impairment or WPI
of 35% and in terms of the
narrative test 5.2 (i.e. permanent serious
disfigurement). I find that these assessments and noting to suffice
to qualify the plaintiff’s
entitlement to claim compensation
for general damages due to the injuries sustained from the accident
and
sequelae
.
[9]
It is submitted that in addition to the
injuries stated above, the plaintiff also has scarring on the right
side of the lateral
buttock area; right side of the trochanteric
area; right side of the lower lateral thigh area; right upper medial
calf region;
left lateral lower thigh area; left lateral knee
area
extending
onto
the
upper
shin;
left
upper
lateral
shin
area;
left
upper
medial
shin
area; left upper anterior shin region; right lower medial calf
region, and just above the left medial malleolar area on the
left
hand side.
[10]
The plaintiff was ferried from the scene
of the accident by an ambulance to hospital.
He
spent about 2 months in hospital. His treatment included open
reduction and internal fixation of the femur fracture with the
fixatives still in
situ
. The plaintiff’s left tibial
plateau fracture was also treated by way of open reduction and
internal fixation, after it was
initially treated by way of
immobilisation with an external fixator for about two weeks. Also
with the internal fixatives still
remaining in
situ
. The
internal fixatives, fracture sites and anterior part of right knee
are the source of pain for the plaintiff, which exacerbates
during
physical activities and cold weather. The plaintiff resorts to
resting and occasional use of analgesics to alleviate the
pain.
[11]
The plaintiff’s current main
complaints relate to his lower limbs and include symptoms suggestive
of post-traumatic chondromalacia
of his right knee (occasionally);
post fracture syndrome of his right femur, and ongoing left knee
symptoms. There are no symptoms
regarding the plaintiff’s right
fibula. The plaintiff’s lower limb symptoms are also linked to
his complaints regarding
difficulty in standing for long periods of
time, running, walking for a distance, kneeling, crouching, picking
up heavy objects
and taking a flight of stairs. The plaintiff also
suffers from headaches. Also, the plaintiff has developed fear of
travelling,
ostensibly by vehicles, particularly as a passenger.
Prior to the accident, the plaintiff enjoyed running and playing
soccer in
his leisure time. He now struggles to find a comfortable
position to sleep in. And the plaintiff is short-tempered, angry, sad
and frustrated regarding his deficits emanating from the accident.
[12]
It is submitted in as far as the
sequelae
of
plaintiff’s injuries are concerned that he experienced a
considerable degree of pain and suffering given that fractures
of the
long bones are exceedingly painful injuries. His lower limbs were the
worst affected by his conditions. Also, the plaintiff
has prospects
of further painful surgery ahead of him. Although further treatment
is expected, this will not rid the plaintiff
of his ongoing
significant disability related to the accident. The prognosis is poor
with regard to the plaintiff’s left
knee. According to the
orthopaedic surgeon the plaintiff’s left knee would require
long-term conservative treatment. The
same would apply to the
symptoms on the plaintiff’s right femur and right knee.
Further, the internal fixatives can be removed
surgically from his
right femur and left tibia. The orthopaedic surgeon recommends
specified further treatment of the plaintiff’s
right femur,
left tibia and left knee. He opines that due to the fact that the
plaintiff is still young, he should be treated conservatively
for as
long as possible. He may require within the next 10 to 15 years a
left knee replacement, with a revision knee replacement
every 10 to
12 years.
[13]
It also submitted and borne by the
evidence that the plaintiff’s limb length as measured from the
anterior, superior iliac
spine to the sole of the foot is
approximately 1 cm shorter on the left than the right. The plaintiff
limps due to deformity on
his left knee. There is severe deformity of
the left knee as compared to the right knee.
[14]
On the other hand, the plastic surgeon
opined that a number of the plaintiff’s scars could be improved
surgically. The scars,
reportedly, could all be improved by excising
the stretched, irregular and thickened parts of the scars and closing
of the wounds
directly, but the plaintiff will be left with permanent
disfigurement in the scarred areas. However, the scars on his left
knee
and shin are unstable and could be subject to trauma and
breakdown, which may require further surgery. Although, employment
opportunities
and recreational activities, in the future, would need
to consider these, according to the plastic surgeon the scars are not
capable
of any functional disability, apart from pain and discomfort
in the region of their location.
[15]
The plaintiff was away from work for
nearly a year following the accident. But thereafter he was able to
return to his pre-accident
employment as an electrician and
technician with DMG Automatics. He had been with this employer for a
period of four years when
he met the accident. He was deployed on the
Skytrain at Sun City Resort on a high voltage site. After DMG
Automatics was liquidated
in April 2018 the Skytrain contract was
awarded to a new company which employed the plaintiff on a short-term
contract until March
2020. The plaintiff, reportedly, had
considerable difficulty with his duties to work following the
accident. According to him the
non-renewal of his contract was linked
to his loss of productivity related to the accident.
[16]
The plaintiff pre-accident job fell with
the category of medium physical demand with aspects of heavy demand
level work. With further
treatment, the plaintiff, post-accident,
would require sedentary work that does not place excessive strain on
his left knee. It
is submitted that his pre-accident job is not found
suitable to the plaintiff’s post-accident condition.
[17]
The results of the evaluation performed
by the occupational therapist revealed that the plaintiff is best
suited to perform sedentary
physical demand work with limitations in
all of his mobility aspects even though he was able to achieve lower
range medium demand
aspects. He will, therefore, require to be
accommodated when it comes to strenuous and repetitive mobility tasks
of both knees,
particularly on his left knee. The same would apply to
load-handling for the sake of knee joint preservation. The use of
assistive
devices to optimise functioning, among others, will be
beneficial. It is concluded that the current indications are that the
plaintiff
does not meet all of the physical demand aspects of his
pre-morbid vocations as an electrician and/or technician. He would
struggle
to perform the majority of the physical demand requirements
of his pre-morbid vocation, given his mobility limitations and pain.
He would most likely require extensive suitable accommodations. It is
also opined that the plaintiff is not suited to light to
very heavy
demand work within the open labour market. Due to his limitations and
despite the recommended intervention and treatment,
the plaintiff
will remain best suited to sedentary type of work, such as
supervisory or administrative (office-based) type work
in the event
that he regains future employment.
[18]
Given the plaintiff’s current
physical fallout, pain and anticipated future left knee
deterioration, he would most likely
find it markedly difficult to
secure employment within the open labour market within his fields of
experience and the work fields
with the light to heavy demand. He is
highly likely to remain unemployed for a long time, including when
consideration is given
to the economic and employment climate in the
country.
[19]
Without the accident, the plaintiff
would have been able to secure employment and utilise his work
experience as an electrician
and technician, albeit that he lacks the
necessary qualifications, to continue to work in this capacity. With
increase in his work
experience, it is postulated the plaintiff would
most likely have been able to secure a supervisory position or a more
skilled
role with an increase in earnings. He would have continued
working until retirement by the age of 65.
[20]
Now that the accident has occurred, the
industrial psychologist’s opinions incorporating the opinions
of other experts are
to the following effect. The plaintiff will no
longer be able to reach his pre-accident potential in as far as his
career and earnings
are concerned. He, thus, would suffer loss of
vocational capacity and productivity due to the physical injuries
sustained in the
accident. The plaintiff will probably remain
unemployed for the remainder of his working life. This is so, despite
the recommended
treatment and interventions. He will remain limited
to sedentary work, for which he lacks the requisite educational
qualifications
and experience. However, the plaintiff’s future
best-case career scenario is that he may probably secure employment
or some
form of participation in an informal capacity as an assistant
electrician with light electronic maintenance work on a part-time
basis, earning a limited income until retirement at the age of 65.
[21]
Given the above information, it is
recommended that a higher-than-normal post- accident contingency
deduction for unemployment be
applied. The risk of early retirement
due to problems with the left knee ought to be acknowledged through a
higher than normal
post- accident contingency deduction.
[22]
The actuary prepared calculations to
assist in determining the plaintiff’s past and future loss of
earnings and earning capacity.
It is submitted that a higher
post-morbid contingency deduction is warranted based on the facts of
this case. I will return to
this below.
General
damages
[23]
I have already mentioned above that I
find the injuries sustained by the plaintiff from the material
accident and
sequelae
to
be serious and, therefore, qualifying him to claim general damages.
[24]
Counsel
for the plaintiff, ably, reminded the Court of the principles
relating to assessment of non-patrimonial damages, mainly,
from the
authority of decided cases. Of cardinal importance is the principle
that such assessment cannot be done with mathematical
precision, but
with a judicious exercise of the
discretion
of
the
Court
to
arrive
at
a
fair
and
reasonable amount given all facts relevant to the matter under
determination.
[2]
[25]
Past
awards in comparable cases afford a useful guide in the determination
of general damages. The process of comparison is not
a meticulous
examination of awards and should not interfere with the Court’s
general discretion.
[3]
The
amounts awarded in previous awards must be adjusted to provide for
the erosion of the value of money.
[4]
[26]
Plaintiff’s counsel cited the
following comparable cases to assist the Court in the determination
of a fair and reasonable
amount to be awarded to the plaintiff under
the specific circumstances of this matter:
[26.1]
Mgudlwa
v Road Accident Fund
:
[5]
this
case
concerned
a
34-year-old
claimant who was a teacher by profession. The injuries of this
claimant were the fractures of the femur and tibia. The
claimant was
in traction for three and a half months. There was also deformity of
the proximal end of femur with left leg being
5 cm shorter than right
leg. This had resulted in diminished range of motion of the leg, hip
and knee. There was also scoliosis
of the spine. The claimant was
forced to make use of a crutch to aid mobility. Further surgical
interventions included the following:
bone grafting, arthroscopic
debridement and total knee joint replacement, and realignment of the
fractured femur. The claimant
was no longer able to play social
soccer. The award made by the Court in February 2010 was in the
amount of
R300
000 which equates to an amount of R540 900 in current terms.
[26.2]
Ndlovu
v Road Accident Fund
:
[6]
This case concerned a 38-year-old female storekeeper whose injuries
comprised compound factures of both lower legs and fracture
of ankle.
She had sustained compound fractures of the left tibia and fibula
with a large lateral degloving soft tissue injury.
She also sustained
compound fractures of the right tibia and fibula, as well as a
fracture of the medial malleolus of the left
ankle. The treatment
received by the plaintiff included internal fixation of both tibial
fractures with intramedullary locking
nails and screws, internal
fixation of the left medial malleolar fracture with two cancellous
screws. The wound on the left shin
was grafted with donor's skin
harvested from the anterior aspect of the left thigh. She was
hospitalised for three weeks, used
a wheelchair for six weeks and
operated on crutches for many weeks. She has been left with painful
and unsightly scars, has nightmares
and faced the prospect of further
surgery and skin-grafts. She endured pain in her legs which leads to
further pain, tiredness
and loss of concentration. All of these led
to anxiety and depression. Proposed surgery was only expected to
improve her situation,
but she could never be restored to the
position in which she was prior to the accident. In March 2015, the
Court awarded this plaintiff
and amount of R470 000 as compensation
for her general damages which equates to the amount of R653 300 in
current terms.
[27]
It is submitted that the injuries
sustained by the plaintiff in the matter under consideration are more
severe than those sustained
by the claimant in the comparable case of
Mgudlwa v Road Accident Fund
,
referred to above, and which the award made currently equates to an
amount of R540 900. On the other hand, counsel suggested an
amount of
R650 000, which means that this matter is considered more similar to
that of
Ndlovu v Road Accident Fund
appearing above.
## Revised
actuarial calculations and further submissions
Revised
actuarial calculations and further submissions
[28]
On 11 November 2022, through my
erstwhile registrar, I caused communication to be directed to the
plaintiff’s legal representatives,
essentially along the
following lines:
[28.1]
that, a revised actuarial calculation be furnished in terms of which
contingency deductions of 20% to the uninjured income
of R4 510 400
and 25% to the injured income of R1 197 100, are applied.
[28.2]
that, these contingencies were considered, in the main, due to the
following reasons:
[28.2.1]
the relative youthful age of the
plaintiff;
[28.2.2]
the fact that the plaintiff was able to
continue working after the accident with no reported work problems
and with the plaintiff
only having lost his employment due to
contract non-renewal with no evidence to establish that the
non-renewal or expiry of the
employment contract was due to his
accident- related deficits, and
[28.2.3]
the fact that the plaintiff could still
use the experience he has as electrician/technician to acquire new
formal employment and
ought not to be only restricted to the informal
sector.
[28.3]
that, when filing the revised calculation the legal representatives
were welcome to include further submissions as to why
the suggested
contingencies should not be applied.
[29]
The plaintiff’s legal
representatives responded on 14 November 2022 and stated that the
plaintiff would in respect of his
claim for future loss of earnings
and earning capacity instruct his actuary to apply the suggested
contingencies as the plaintiff
accepts the proposed contingency
deductions and, therefore, no further submissions will be necessary.
However, the plaintiffs legal
representatives enquired what the
position was with regard to past loss of earnings.
[30]
I sought to clarify the suggested
contingencies regarding the past loss and explained that, mainly,
this was for the same reasons
as future loss and due to consideration
of plaintiff’s historical earnings averaging R9 600 per month
stretching over a period
of 41 months. On 21 November 2022, the
plaintiff’s counsel sent communication to my erstwhile
registrar, reiterating the
plaintiff’s acceptance of the
application of the contingency deductions suggested by the Court on
the future loss of earnings
calculation, but criticising the
contingency deductions suggested by the Court on the past loss of
earnings. Without repeating
counsel’s submissions in this
regard, most of which I found valid, suffice to state that on 28
November 2022 I caused another
communication to be directed to the
plaintiff’s legal representatives requesting a revised
calculation which include a 10%
contingency deduction with regard to
plaintiff’s past loss. This was in line with counsel’s
submissions and my reconsideration
of the facts against those
submissions.
## Conclusion
Conclusion
[31]
In terms of the revised calculations
received on 28 November 2022 from counsel and based on what is stated
above, the amount of
R423 270 is awarded to the plaintiff for his
past loss of earnings and the amount of R2 739 370 will be awarded to
the plaintiff
for his future loss
of
earnings.
The
total
amount
of
the
award
for
past
and
future
loss
of
earnings
is
R3 162 640.
[32]
With regard to general damages I agree
with counsel that the injuries and
sequelae
of the plaintiff in this matter are
similar to those of the claimant in the matter of
Ndlovu
v Road Accident Fund
, discussed
above.
But
I am of the view that the injuries and effects of those in the latter
case are more severe comparatively speaking than those
of the
plaintiff in this matter. This is not the same as downplaying the
debilitating effect of the plaintiff’s injuries
and their
effect on his enjoyment of amenities of life.
I will award the amount of R600 000 as
general damages.
[33]
The total amount awarded to the
plaintiff in respect of his current claims is R3 762 640 (i.e. R3 162
640 for loss of earnings plus
R600 000 for general damages). When the
80/20 apportionment is effected the result is that the amount of R3
010 112 should be paid
to the plaintiff by the defendant as damages
or for his loss.
[34]
Further, the claim for future medical,
hospital and related expenses will be settled by an order directing
the defendant to furnish
the plaintiff with an undertaking envisaged
by section 17(4)(a) of the Act for settlement of 80% of the future
expenses to be incurred
for treatment of the plaintiff due to the
injuries sustained in the accident and their
sequelae
.
[35]
Costs will follow the abovementioned
outcome. The details of such costs appear in the order made below,
essentially, in terms of
the order contained in the draft order
submitted by counsel in this matter.
## Order
Order
[36]
In the premises, I make the order, that:
a)
the defendant is liable for 80% of the
plaintiff’s proven or agreed damages;
b)
the defendant shall pay to the plaintiff
the post-apportioned capital amount of R3 010 112.00 (three
million and ten thousand
one hundred and twelve rand) as compensation
for the plaintiff’s total claim for delictual damages, which is
calculated as
follows:
general
damages:
R 480 000.00;
past
loss of earnings:
R
338 616.00, and
future
loss of earnings and earning capacity:
R 2
191 496.00
c)
the amount in b) hereof shall be paid
directly into the bank account of the plaintiff’s attorneys of
record with the following
particulars, which amount shall be paid
within 180 (one hundred and eighty) days from the date the order was
made:
NAME
OF ACCOUNT: Wim
Krynauw Attorneys
Trust
Account; BANK: ABSA Bank
# BRANCH
CODE: 632005
BRANCH
CODE: 632005
BRANCH:
Krugersdorp
# ACCOUNT
NO: [....]
ACCOUNT
NO: [....]
REFERENCE:
TM4463/LW
d)
no interest will be payable in respect
of the total capital amount referred to in b) hereof except in the
event of the defendant
failing to effect payment within 180 (one
hundred and eighty) days following this order, in which case interest
will be payable
on the said capital amount at the prescribed rate of
interest per annum;
e)
no interest will be payable on the costs
referred to in f) hereof, except in the event of default payment of
such costs, in which
case interest will be payable at the prescribed
rate of interest per annum;
f)
the defendant shall pay the plaintiff’s
taxed or agreed party and party costs on the High Court scale up to
date, which costs
shall include, but not be limited to:
i.
the reasonable costs in respect of the
preparation of the medico legal reports, RAF 4 Serious Injury
Assessments reports and actuarial
calculations of the following
experts:
1)
Dr Read (Orthopaedic Surgeon);
2)
Prof Chait (Plastic and Reconstructive
Surgeon);
3)
Ms. Georgiou (Occupational Therapist);
4)
Mr. De Vlamingh (Industrial
Psychologist), and
5)
Munro Actuaries (Actuary).
ii.
costs of counsel to date hereof,
including the preparation for trial and attendance on 5 October 2022;
Drafting of Exhibit A and
Heads of Argument, as well as costs
relating to the further submissions and other activities at the
instance of the Court between
14 and 28 November 2022;
iii.
costs of obtaining confirmatory
affidavits for the above-mentioned experts for purposes of trial;
iv.
any costs attendant upon obtaining of
payment of the total capital amount referred to in b) hereof, as well
as any costs attendant
upon the obtaining of payment of the
plaintiff’s agreed or taxed costs.
v.
subject to the following conditions:
1)
the plaintiff shall, in the event that
costs are not agreed, serve the notice of taxation on the defendant’s
attorney of record;
and
2)
the plaintiff shall allow the defendant
180 (one hundred and eighty) court days to make payment of the taxed
costs.
3)
no interest will be payable, except in
the event of default of payment of such costs, in which case interest
will be payable at
the prescribed rate of interest per annum from
date of taxation.
Khashane
La M. Manamela
Acting
Judge of the High Court
Date
of Hearing:
05
October 2022
Date
of Final Further Submissions:
29
November 2022
Date
of Judgment: 30
November 2022
Appearances
:
For
the Plaintiff:
Mr
H Schouten
Instructed
by: Wim
Krynauw Attorneys, Johannesburg
For
the Defendant:
No appearance
[1]
Uniform Rule 38(2) reads as follows: “The witnesses at the
trial of any action shall be orally examined, but a court may
at any
time, for sufficient reason, order that all or any of the evidence
to be adduced at any trial be given on affidavit or
that the
affidavit of any witness be read at the hearing, on such terms and
conditions as to it may seem meet: Provided that
where it appears to
the court that any other party reasonably requires the attendance of
a witness for cross-examination, and
such witness can be produced,
the evidence of such witness shall not be given on affidavit.”
[2]
Putt v Economic Insurance Co 1957(3) SA 284(D), 287; Sandler v
Wholesale Coal Supplies 1941 AD 194, 199.
[3]
Protea Assurance v Lamb 1971(1) SA 530 (A) 535H-536A.
[4]
Protea Assurance v Matinise 1978(1) SA 963 (A) 974D
[5]
Mgudlwa v Road Accident Fund 2011 (6E3) QOD 1 (ECM).
[6]
Ndlovu v Road Accident Fund 2015 (7E4) QOD 18 (GSJ) (11 March 2015).
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