Case Law[2024] ZAGPJHC 1196South Africa
Den Hartog N.O obo N.A.H v Road Accident Fund (24906/2021) [2024] ZAGPJHC 1196 (18 November 2024)
High Court of South Africa (Gauteng Division, Johannesburg)
18 November 2024
Judgment
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## Den Hartog N.O obo N.A.H v Road Accident Fund (24906/2021) [2024] ZAGPJHC 1196 (18 November 2024)
Den Hartog N.O obo N.A.H v Road Accident Fund (24906/2021) [2024] ZAGPJHC 1196 (18 November 2024)
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sino date 18 November 2024
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REPUBLIC
OF SOUTH AFRICA
IN
THE HIGH COURT OF SOUTH AFRICA
GAUTENG
DIVISION, JOHANNESBURG
Case Numbers:
24906/2021
(1)
REPORTABLE:
YES
/NO
(2)
OF INTEREST TO OTHER JUDGES:
YES
/NO
(3)
REVISED:
YES
/NO
DATE:
18/11/2024
SIGNATURE
In
the matter between:
ADVOCATE
DEN HARTOG, AAD N.O.
obo
N[...] A[...] H[...]
Plaintiff
and
ROAD
ACCIDENT FUND
Defendant
JUDGMENT
SENYATSI,
J
Introduction
[1]
This is a claim instituted by the plaintiff,
Advocate Den Hartog, in his representative capacity as
curator
ad litem
on behalf of the child, NAH
(“the child”) in terms of which he claims almost R 10
million for loss of earnings. The
cause of action emanates from the
injuries sustained in a motor vehicle collision in which the child
was a taxi passenger on 7
June 2017 and the
sequelae
of the injuries according to the medico legal reports. The child was
9 years when the collision took place, and she is now 17 years
of
age.
The Defendant conceded merits on 4 October 2021 and made
payment in respect of the general damages.
Background
[2]
The
child was travelling with her mother in Soweto
by taxi bearing registration number
C[...] 8[...] Z[...]
G[...]
when the taxi was involved in a collision
on 7 June 2017 with the car bearing registration number
W[...]
8[...] G[...]
. She sustained head injuries and was
taken to Chris Hani Baragwanath Hospital (“CHBH”) where
she was treated and discharged
the following day. Other than been
seen at St John Eye Hospital the same day after her discharge from
CHBH, she did not get any
further medical attention. There is no
evidence from the mother that the minor patient suffered any further
physical pain requiring
medical attention.
Issue for
determination
[3]
The only issue for determination is therefore the quantum for the
loss of earnings as a postmorbid
sequelae
owing to alleged
brain damage which would make it difficult for the child to achieve
university education. The plaintiff, as will
be shown below,
contended that the brain injury is of such severe nature that it
renders the child not able to achieve university
education and thus
limits her future earning capacity. This is disputed by the
defendant as will be shown later, on the basis
that the experts have
all based their reports on the primary report of Dr Edeling, the
neurosurgeon, who based his report on the
hospital records, which he
admitted were incomplete and the one virtual consultation with the
child and her mother.
The
plaintiff’s evidence
Dr
Edeling, neurosurgeon
[4]
He testified as an expert and compiled two medico-legal reports about
the child he assessed to have
sustained a complicated head injury. He
explained that the injury progressed from a minor concussive head
injury, indicative from
the notes in the hospital records of a
compromised GCS of 12/15 documented by the hospital at 11:45 pm. He
founded his opinion
by reference to the CHBH’s record on the
admission of the child. He also consulted once with the child in the
company of
her mother who also testified in this action.
[5]
The Defendant objected to the use of the hospital records unless a
hospital representative was attending
court to present evidence
contained in the hospital records. No representative was called from
the CHBH to corroborate the contents
of the hospital record.
[6]
Dr Edeling accepted some of the contents of the hospital record and
criticised the treatment given
to the child and argued that she ought
not to have been discharged a day after her admission at the
hospital. He conceded that
the records presented were not the
complete set of records as it was clear that the examination of the
patient at the trauma section
did not reflect nor was the records
following the discharge to the eye clinic available. For these
reasons, it was accepted that
this was not the complete set of
records. He further conceded that he could not state that because no
further documented information
was available to him that there was in
fact no further treatment or examination of the patient. He also
conceded that because of
the incomplete hospital record, he could not
say whether there was negligence on the treatment of the child at the
CHBH.
[7]
Once Dr Edeling established that a concussive head injury was
sustained, he explained further both
in examination in chief and in
cross examination that the more reliable measure of the severity of a
head injury was to determine
whether the child suffered from
post-traumatic amnesia. He explained at length that regarding this
assessment, he relied completely
on the information furnished to him
by the mother and the child from which he concluded that there was
drifting incidences of amnesia.
[8]
He stated that from the point of impact, the child did not recall
events until she was removed from
the taxi. The child also explained
to Dr Edeling that she has a vague recollection of waking up in the
taxi and experiencing pain
in her head. He was unable to ascertain
the time lapse from the impact of the collision to the time the child
was removed from
the taxi, for example if it was 5 minutes later or
half an hour later as an example.
[9]
Dr Edeling particularly relied on the information he stated was
provided by both the child and the
mother that the child was awake
when they sat outside the taxi awaiting the ambulance, but when the
ambulance arrived and through
the journey to the hospital, the child
was unconscious. Dr Edeling explained that the child remained in
dense phase of amnesia
until at least the time she was taken home
which he records as 36 hours later. This time in relation to the date
she was discharged
from hospital was not clearly conveyed to Dr
Edeling. He noted that the notes from the CHBH records by the
paediatric surgeon suggested
that the child was discharged on the 8
th
June 2017 and despite this, he noted in his report that the
child was discharged on the 9
th
June 2017.
[10]
Dr Edeling concluded that the injury progressed to a diffuse brain
injury. He explained that the child was
discharged prematurely as her
level ofconsciousness was still compromised when she returned home
upon discharge from the hospital.
[11]
He explained that when he consulted with the child, he gathered
information from the child’s mother,
Ms N[...] H[...]. She
explained that the child had problems with her vision and experienced
headaches. Dr Edeling established compromise
in executive functions
from the first assessment of the child in 2021. He listed in his
report that on clinical neurological examination
that one noted:
·
serious impairment of mental function,
·
communication, which include adynamia,
·
sluggish thought processes,
·
progressive mental fatigue, paucity of speech, variable attention,
·
under reporting of serious problems, a flat effect, disinterest and a
lack of drive.
He conceded that he never deemed it necessary to
conduct further physical investigations because the only
investigation he did
was virtually and only once in 2021.
Dr
Fine- Psychiatrist
[12]
Dr Fine conceded in his evidence that he does not determine the
severity of a head injury. He mainly establishes
that there was
injury to the brain, based on the information furnished by the child
and the mother and from reading the compromised
GCS in the hospital
records. He specifically explained that it is not in his field of
expertise to grade the severity of a head
injury. He in fact did not
elicit much information from the child save for her mentioning her
age, grade and that she liked to
work in the medical field. He
explained that the child complained of headaches and loud noises. He
furthermore stated that her
mother could see that the child has pains
in the eyes but that the child enjoys being with friends playing but
comes home after
an hour.
Dr
Volkersz-Orthopaedic surgeon
[13]
He stated in his report that he could not find evidence of
orthopaedic injury with the child. He concluded,
however, that the
accident left the child with a sequelae of head injury and eye
trouble causing her a lot of pain and discomfort
negatively
influencing her psychologic make-up and career opportunities. He also
stated that the child walked normally and that
if he noted any
problem he would have deferred to the neurosurgeon for further
diagnosis.
Dr
Polakow
-
Maxxilo Facial and Oral Surgeon
[14]
She compiled the medico-legal report based on the consultation she
had with the child and the mother as
well as the x-ray results take
at her office on 18
th
March 2021. In coming to her
conclusion, she used the RAF1 form; Hospital records; RAF 4- Dr
Irsigler and Medico-legal report,
narrative test by Dr Irsigler.
[15]
Dr Polakow concluded that the child was suffering from myofascial
pain dysfunction This is resulting in
chronic headaches. Nonkululeko
is also suffering from a synovitis in her TMJs. He explains that the
treatment of the synovitis
in the TMJ will alleviate the headaches.
Ms
Gibson- educational psychologist
[16]
Ms. Gibson first assessed the child on 3 February 2021 and prepared
the first medico-legal report. The child
was 12 years and in Grade 7
when she was assessed for the time. The reason for the assessment
referred for an assessment to determine
the nature and extent of
educational, intellectual and affective sequelae consequent to
injuries sustained in a motor vehicle accident.
[17]
The source of her assessment were the following
documents: -
Letter of referral from
Renier van Rensburg, dated 18 January 2021.
RAF 1 Claim Form, with
Medical Report completed by Dr Irsigler, MBChB, dated 16 October
2018; RAF 4 Serious Injury Assessment Report
and Narrative Test
completed by Dr Irsigler, dated 28 January 2019 and 5 June 2020;
·
Hospital records from Chris Hani Baragwanath Hospital, date of
admission being 7 June
2017.
·
Copy of Identity Document of Ms B[...] H[...] (mother).
·
School reports, Grade 2, terms 1 -3, E[...] Primary School, 2016.
·
School reports, Grade 3, terms 1 -3, E[...] Primary School, 2017.
·
School reports, Grade 4, terms 1 - 2, E[...] Primary School, 2018.
·
School reports, Grade 5, terms 1 – 4, L[...] Primary School,
2019. 3.
·
School report Grade 1, terms 1 and 2, E[...] Primary School, 2015.
And
·
School results for 2020, Grade 6.
What is clearly missing
from these documents is the medico-legal report of Dr Edeling.
[18]
On the psycho-educational she assessed the child as follows in the
first report:-
Variability in attention,
information processing, working memory, sustained attention and in
recall of information, with her underlying
abilities in concept
formation and comprehension being in the above average range.
Forward planning was found to be variable.
Rote learning was
slower than anticipated and recall of learned information weak.
Visual memory was found
to be variable. Memory for a narrative presented in her home language
was mildly to moderately impaired.
Syncretic reasoning
involving both inductive and deductive reasoning / concept formation
was found to be mildly to moderately impaired
and variable.
Inferential reasoning was
lower than expected. General knowledge was lower than expected.
She demonstrated poor access to
information in memory store.
There was complaint of mainly mild difficulties as in headaches,
attention, memory, as well
as psychological difficulties as in
anxiety and post-traumatic anxiety regarding accidents, injury and
impairment.
[19]
Ms Gibson stated in the report that the child was found to have
various deficiencies as described in point
including
inconsistency in attention, weakness in working memory, variability
in information processing, weakness in learning and
recall of learned
information, weakness in recall of a narrative and in general
knowledge, variability in visual memory, difficulty
in numerical
reasoning – all of which are aggravated by anxiety and being
self-critical. She stated that the child clearly
has very high
expectations of herself and punishes herself for any perceived
failure.
[20]
Ms Gibson stated that the numerical reasoning and comprehension of
numerical concepts was found to be weaker
than expected with the
child. Reading comprehension was found to be weaker than expected.
Verbal fluency was slower than expected.
The child was found to be a
psychologically sensitive and prone to performance anxiety and
tearfulness. She broke under pressure
and was hard on herself.
The child was self-conscious of scarring on her forehead. She wants
to please others to an excessive
degree. She is aware of her
vulnerabilities and that her functioning is not consistent. She
believes herself to have the following
difficulties: memory,
learning, reading, maths, tendency to have a temper, to be
over-sensitive, to be clumsy and to prefer to
listen than talk i.e.
be submissive. Headaches affect her functioning about three
times a week.
[21]
Ms Gibson also provided the first Addendum to her medico-legal report
and the addendum thereto is dated
August 2021. The addendum was
compiled based on the two additional medico-legal reports of Dr
Edeling and Dr Fine made available
to her which she did not use in
her first report.
[22]
She noted that Dr Edeling referred to the brain injuries of the child
as serious with 37% whole person impairment
of which 35% was ascribed
to alteration mental cognitive higher integrative functioning and 2%
headaches. She further noted that
Dr Edeling concluded that the
injuries were serious on basis of narrative test. She concluded that
on neurological grounds, it
was considered that irrespective of any
certificate with which the child may may school, any future capacity
to work would be limited
by the needs for simplicity, structure,
supervision and sympathy. Ms Gibson went on to conclude that for
those reasons, the child
had been rendered permanently unemployable
for gain on the open market. For reasons that will become apparent in
this judgment,
I am not in agreement with Ms Gibson’s
conclusion.
[23]
In preparation for trial, Ms Gibson prepared the third addendum to
her medico-legal report to assess the
current educational performance
of the minor. She visited the school which the child attended in
Grade 8 and 9 in 2022 and 2023
respectively. She consulted with the
school principal and Advocate Den Hartog; analysed the school results
for 2023 of the child’s
school reports; analysis of Grade 8
tests as well as the provisional marking schedule provided by the
school principal
[24]
She observed that Grade 8 of the child’s previous school year
had 186 learners. Of this number only
two learners achieved an
average of more than 80% and she concludes that but for the accident,
the child would have probably achieved
the excellent average. She
opines that post brain injury the child has been having a significant
deterioration in higher level
cognitive functioning the result of
which has been the inability of the child to fulfil educational
requirements. Ms Gibson stated
that while the child copes with the
practical subjects, she struggled with languages, mathematics and
natural sciences. Consequently,
so stated Ms Gibson, the child is
unlikely to progress to tertiary education but for the brain injury.
#
# Ms
Greaves-Speech Therapist and Audiologist
Ms
Greaves-Speech Therapist and Audiologist
[25]
She consulted with the mother of the child as well as the child and
based her opinion on the medico-legal
reports of Dr Edeling, Dr Fine
and all other experts who had finalized their reports. She conceded
that her tests were subjective
and not standardised to the South
African society. She acknowledges the language and the culture
barrier in so far as her tests
were concerned which were conducted in
English.
Mr
L Linde-Industrial Psychologist
[26]
He also relied on Dr Edeling’s medico-legal report together
with the reports from other experts in
forming his opinion about the
child. Mr Linde conceded that his conclusions were based on what the
other experts said in their
reports. He was advised that the child
was unemployable post the accident but that the pre-accident state
was that the child would
have been able to obtain a degree. On
this basis, he drew an employment trajectory of entry into the work
market, promotion
and salary scales.
[27]
He explained and conceded that both salary scales provided by
Statistics South Africa and Koch’s Research
had positive and
negative factors to consider. He stated that with Statistics South
Africa, the scales were significantly lower
because it included a
wider spectrum of employers and that because the salary scales were
formulated in packages, it is not the
best depiction. He testified
that Koch’s corporate salary scales consider only the top 100
companies and are significantly
higher and cover the entire salary
package. It was put to Mr Linde that the Roch’s salary scale
looked and the best-case
scenario by considering the highest scale
which is not reasonable.
B[...]
H[...] H[...]- The child’s mother
[28]
She testified about the accident that took place on 7
th
June 2017 at about 20h30 whilst she was a passenger in the taxi with
the child. She was the one that got out of the taxi first
and her
child was brought out of the taxi. Although the child was conscious,
she appeared confused. They waited for the ambulance
which came later
the two of them were take to CHBH where the child was admitted having
started receiving treatment at the trauma
centre of CHBH first and
was admitted in the ward at around 23h45 that night. She was
discharged the following day after having
been referred to St John
Eye Hospital as the child had an eye injury. Thereafter the child
never complained about anything else
and did not receive further
medical attention.
[29]
Upon discharge, she travelled with the child by taxi to her home.
Although the child did not struggle with
her studies after the
accident during her primary education, she started struggling
especially with Maths as she progressed to
higher grades. She stated
that the child was complaining of heart aches and hearing loud
sounds. Other than those complains which
were not of serious nature
to require medical attention, there has not been any issue. Ms
Hlongwane is concerned that the accident
injuries may have affected
her child’s performance at school.
S[...]
H[...]-the child’s maternal cousin
[30]
She confirmed that she is the child’s maternal cousin and that
she assists the child with homework.
S[...] passed her diploma after
her matric and not being able to pass it with bachelor’s
admission. Now that she has the
diploma, she qualifies to do LLB. She
stated that the child stays with her mother in the back room whilst
S[...] and her siblings
live in the main house. She noted that as the
child progressed with her grades, her marks started deteriorating
especially Maths.
[31]
She admitted that she also struggled with her subjects in her Matric
and that is why she passed with Diploma
admission. The child and
S[...]’s siblings attended P[...] C[...]. She lives in the main
house and the child lives in the
backroom with her mother. She and
the child are maternal cousins. Although her mother passed matric,
she is not able to assist
her child with her homework as she states
that the subjects are different from what she did and difficult for
her to understand.
S[...] claims that although the child’s
performance was acceptable at primary, her performance has been
deteriorating since
from Grade 8, especially her Maths. She, however,
conceded that she even struggled with her own Maths once she was in
higher grades.
Defendant’s
evidence-L[...] Primary School teachers
[32]
The defendant called two teachers from L[...] Primary School. I will
not repeat their evidence safe to say
that there was nothing abnormal
about the child in terms of the sequelae following the injuries from
the accident. She behaved
and performed her tasks diligently.
The
legal principles
[33]
The approach of our courts in consideration of the
experts reports is that
while
experts are entitled to make assumptions, they should avoid basing
their opinions on conjecture or speculation for once
they do so they
place their evidence at risk of being disallowed.
[1]
Expert witnesses ought to confine their testimony to their respective
disciplines but at times and under suitable conditions may
venture
outside their area of expertise. If it becomes necessary to step out,
they should then and there declare.
[2]
[34]
It
is trite that an expert witness is required to assist the court and
not to usurp the function of the court. Expert witnesses
are required
to lay a factual basis for their conclusions and explain their
reasoning to the court. The court must satisfy itself
as to the
correctness of the expert’s reasoning.
[3]
An expert’s opinion must be underpinned by proper reasoning for
a court to assess the cogency of that opinion. Absent any
reasoning
the opinion is inadmissible.
[4]
[35]
In
Road
Accident Appeal Tribunal & others v Gouws & another
[5]
the Supreme Court of Appeal said: “[c]ourts are not bound by
the view of any expert. They make the ultimate decision
on issues on
which experts provide an opinion. (See also
Michael
& another v Linksfield Park Clinic (Pty) Ltd & another
[6]
).
[36]
The
facts on which the expert witness expresses an opinion must be
capable of being reconciled with all other evidence in the case.
For
an opinion to be acceptable as real evidence, it must be based on the
correct facts. Incorrect or insufficient facts militate
against
proper reasoning and the correct analysis of the facts is paramount
for proper reasoning, failing which the court will
not be able to
properly assess the cogency of that opinion.
[7]
An
expert opinion which lacks proper reasoning is not helpful to the
court.
[8]
[37]
In
Thomas
v BD Sarens (Pty) Ltd
[9]
,
Sutherland J as he then was, said: “[w]here two or more experts
meet and agree on an opinion, although the parties
are not at liberty
to repudiate such an agreement placed before the court, it does not
follow that a court is bound to defer to
the agreed opinion. In
practice, doubtlessly rare, a court may reject an agreed opinion on
any of a number of grounds all amounting
to the same thing, i.e., the
proffered opinion was unconvincing.”
[38]
In
Malema
v Road Accident Fund
[10]
,
Molahlehi J said the following said the following: -
“
The
approach to adopt when dealing with the issue of patrimonial loss was
dealt with in Rudman v RAF,
[11]
in
the following terms:
‘
[11]
In
my opinion the learned Judge in the court
a
quo
has
not misdirected himself in his understanding of these authorities or
in his application of the law to the facts. His judgment
correctly
emphasises that where a person’s earning capacity has been
compromised, “that incapacity constitutes a loss, if
such
loss diminishes the estate” (Rumpff CJ in the above quotation
from
Dippenaar’s
case
(
supra
))
and ‘he is entitled to be compensated to the extent that
his patrimony has been diminished.’
[12]
”
[39]
It is trite principle of our law that the onus is
on the Plaintiff to prove his case to succeed with his
claim.
Analysis
of the Plaintiff’s evidence.
[40]
As stated before, the Plaintiff bears the onus to prove his case. He
relied principally on the medico-legal
report of Dr Edeling upon
whose report, as a neurosurgeon, all other experts based their
opinions. What is concerning to
me about Dr Edeling report and
evidence, is that he conceded that the hospital record of CHBH was
incomplete. This is so because
the ambulance records and the CHBH
trauma centre records were not included in the admission records
where the recordings of the
injuries of the child were made.
[41]
Having regard to the incomplete hospital records and the criticism
that he had about the incomplete record,
it is difficult to fathom
the basis of the opinion by Dr Edeling that the child had suffered
serious brain injury that has
a post traumatic amnesia with the
result that the child will not be able to pursue her studies to
bachelors degree level as concluded
by Ms Gibson. It should be borne
in mind that Dr Edeling conducted only one consultation which was
held virtually during Covid-19
restriction. It is surprising
that he could reach the conclusions as he did based on this one
consultation and did not explain
why he saw no need for further
examination. He explained the injury as moderate brain injury which
propelled itself to serious
brain injury due to the concussion.
This is my view is speculative as it is not supported by the hospital
records from the
first treating doctor.
[42]
Accordingly, his evidence to explain his conclusions contained in his
medico-legal report cannot, in my
view, be relied upon and stand to
be rejected. I am fortified in this view by the fact that he assessed
the child in 2021 which
was 4 years after the accident. There was
never any suggestion that the child required further medical
treatment to deal with the
permanent injury to the brain following
the concussion from the accident. This is a demonstration that the
so-called moderate brain
injury which progressively became serious in
nature is not supported by the objective facts about the child.
[43]
In any event, although there appears to be a decline in Maths and
Science from Grade 8 and 9 by the child,
this is not a problem unique
to her. The class average on those two subjects is equally poor. To
suggest as the experts try to
do that this is due to the unproven
brain injury which has progressively became serious in nature is
taking the proposition too
far. Other than the headaches that were
reported by the mother of the child to Dr Edeling, there is no
suggestion that the child
has been receiving medical attention in
respect thereof. The only inference to be drawn is that the reported
headaches are probably
not of serious nature to suggest permanent
damage of the brain following the accident.
[44]
The fate of the evidence and the medico-legal report of all other
expert witnesses must, in my view, fail
as they relied on what Dr
Edeling, as neurosurgeon, concluded. In conclusion, the
plaintiff has failed to prove his claim.
Order
[45]
The claim is dismissed and each party to pay own
costs.
ML SENYATSI
JUDGE OF THE HIGH
COURT
GAUTENG DIVISION,
JOHANNESBURG
Delivered:
This Judgment was handed down electronically by circulation to the
parties/ their legal representatives by email and
by uploading to the
electronic file on Case Lines. The date for hand-down is deemed to be
18 November 2024.
Appearances:
For
the applicants:
Adv
L Smith
Instructed
by Renier van Rensburg Inc
For the first
respondent:
Adv Ameersingh
Instructed
by State Attorney
Date of Hearing:
26
July 2024
Date of Judgment:
18 November 2024
## [1]Smit
obo Nkosi v Road Accident Fund(30440/2014) [2019] ZAGPJHC 15 (31 January 2019) at para 51
[1]
Smit
obo Nkosi v Road Accident Fund
(30440/2014) [2019] ZAGPJHC 15 (31 January 2019) at para 51
[2]
S
v Adams
1983
(2) SA 577
(A) at 586A-C and
S
v Van As
1991
(2) SACR 74
(W) at 86c-e
## [3]Bee
v Road Accident Fund(093/2017) [2018] ZASCA 52; 2018 (4) SA 366 (SCA) at para 22
[3]
Bee
v Road Accident Fund
(093/2017) [2018] ZASCA 52; 2018 (4) SA 366 (SCA) at para 22
[4]
Masstores
(Pty) Ltd v Pick ‘n Pay Retailers (Pty) Ltd
[2015]
ZASCA 164
;
2016
(2) SA 586
(SCA)
para 15
[5]
[2017]
ZASCA 188
;
[2018]
1 ALL SA 701
(SCA)
para 33,
[6]
[2002]
1 All SA 384
(A)
para 34.
## [7]Bee
v Road Accident Fundabove at para 23
[7]
Bee
v Road Accident Fund
above at para 23
[8]
See
also
Jacobs
v Transnet Ltd t/a Metrorail
[2014]
ZASCA 113
;
2015
(1) SA 139
(SCA)
paras 15 and 16; see also
Coopers
(South Africa) (Pty) Ltd v Deutsche
Gesellschaft
Für Schädlingsbekämpfung mbH
1976
(3
)
SA 352 (A) at 371F.
[9]
[2012]
ZAGPJHC 161 para 13
[10]
[2017]
ZAGPJHC 275 para 94
## [11][2002]
ZASCA 129; [2002] 4 All SA 422 (SCA); 2003 (2) SA 234 (SCA)
[11]
[2002]
ZASCA 129; [2002] 4 All SA 422 (SCA); 2003 (2) SA 234 (SCA)
[12]
President
Insurance Co Ltd v Mathews
1992
(1) SA 1
(A) 5 D.
sino noindex
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