you can claim for damages - durbandag.durban.gov.za/resource_centre/current projects and...

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CITY WATCH 15 SUNDAY TRIBUNE J U L Y 5 2 0 1 5 S ERIOUS damage can be caused to a vehicle if you hit a pothole travel- ling at a speed. While it might be costly to repair the damage caused, the eThekwini Municipality has a system in place through which you can claim for damages. If an investigation finds the municipality was negligent, you will be compensated. Thulani Ntuli, insurance manager at the eThekwini Municipality, said people could lodge a claim against the municipality for loss or dam- age suffered from driving through a pothole. But he said lodging a claim did not necessarily mean the claim would be settled. A number of steps had to be undertaken in the process. The information required to process a pothole claim includes, but is not limited to: Full name, address and contact details of the claimant. The date and time of the loss or damage. The exact location of the incident. What was lost or damaged and any proof. Description of the cir- cumstances of the loss or dam- age. Estimated cost of total claim. Was the hazard reported to the municipality before (the incident)? Quote the reference number. Why you are claiming from the municipality? Ntuli said a claimant should also provide proof of damages in the form of photographs, proof of fair and reasonable costs, a sworn affidavit declar- ing a claimant will not claim both from the municipality and personal insurance for the same incident, a copy of their ID and any other additional information that might be nec- essary depending on the cir- cumstances of a claim. “When we get claim infor- mation we acknowledge receipt and conduct an investi- gation. All claims submitted are investigated. It could take about eight weeks to finalise an investigation depending on the complexity of the incident,” he said. Ntuli said a claimant must disclose the exact location of the incident to avoid delays. “The findings of the investi- gation will reveal facts sur- rounding the incident and serve as the basis of paying or rejecting a claim. Not all claims lodged are paid. “For a claim to be successful subject to the laws of the coun- try, including municipal by- laws, there must have been a negligent act on the part of the eThekwini Municipality.” He said in the absence of evidence of negligence, regret- tably no financial compensa- tion would be paid. “The reasons for not paying a claim will always be sent in writing to a claimant.” However, you can appeal if you are unhappy with a deci- sion. “As a caring organisation, the municipality does allow claimants to appeal against decisions. “The appeal must be in writ- ing, marked for the attention of the person who sent the claim rejection letter. “The appeal content must spell out areas of concern and reasons a claimant says the municipality came to an unfair conclusion. The claim is reviewed, reinvestigated and the decision of the appeal is communicated to the claim- ant,” he said. Ntuli said negligence, for example, could include a pot- hole hazard on the road having been logged via the call centre for fixing with the reference number as evidence readily available. “Also, if a reasonable period of 48 hours has lapsed from the time the municipality became aware of the pothole but failed to take reasonable precautions to mitigate the potential loss or damage, then the municipality may be deemed to have been negligent. “However inclement weather, public holidays, weekends and other unfore- seen circumstances can affect the time span to fix a pothole,” he said. Ntuli could not provide an estimate of how much had been paid out by the city for pothole claims in the past financial year. SUNDAYTribune readers have praised the pot- hole initiative run in partnership with the eThekwini Municipality. They said that the series had been informa- tive and helped them to understand the ins and outs of causes and repairs. The series has also shed light on the Roads and Stormwater Maintenance Department, which is tasked with maintaining our roads, which includes pothole repairs. They also sent in photographs of roads in urgent need of repair in their neighbourhoods, asking that they be dealt with. The first complaint was in Avondale Road, where the uneven surface was damaging cars, a resident claimed. Photos of potholes in Mentone Road were also submitted. Another reader said some of the potholes could not be seen because of the shadow of the trees alongside the road which resulted in an awful impact when you drove through them. Potholes in Innes Road and the uneven road edges in Nuttall Gardens, Morningside, were also highlighted. All the complaints have been forwarded to the Roads and Stormwater Maintenance Engineer- ing Centre to be fixed. Innes Road, Morningside is not pothole-free. Be aware when driving along Mentone Road, Morningside. Potholes and uneven surfaces in Nuttall Gardens,Morningside. Further potholes on Mentone Road in Morningside The uneven road surface at Gate 4,Avondale Road, Greyville. To make enquiries or lodge a claim: Tel: 031 311 1376 Fax: 031 311 1726 E-mail: [email protected] YULESEN Gounden, an audi- tor, drives a BMW 320e. He drove into a pothole en route to a client in Westmead, Pinetown, which is an industrial area. While he noticed the numer- ous potholes on the road, he did not report them to the munici- pality to have them repaired. “Many trucks drive there. I hit a large pothole but didn’t notice the damage until I had parked. There were bubbles on both my front and back tyres on the left-hand side.” Gounden said that he went to BMW to have the tyres fixed. “I was told that I had to change all four. I couldn’t change just the affected two because nar- row tyres were used in the front and wider tyres at the back. It cost R9 000 to replace all four tyres and the shock tower, which was also damaged.” After the repairs, Gounden filled in the necessary forms and e-mailed his claim to the eThekwini Municipality. “After three weeks I had no response, so I sent another e- mail. I received a response a week later asking me to submit a sworn affidavit stating that I was not claiming damages from my private insurer, which I did.” Gounden said he submitted the claim in March but only received a response in May, stating that his claim was unsuccessful as there was no negligence on the part of the municipality. “It put me in a predicament because when I tried to claim from my private insurance they said too much time had lapsed so they would not be paying me either because I waited too long to claim. “Now I’m in the hole for R9 000 which I had to put on my credit card.” He intends to appeal. DRIVING expert Johann von Bargen from Pro Dri- ving Tactics said one of the most important things to be aware of when driving were potholes. “You should be able to see them from a distance. You should look for dark patches on the road. Because of the sun, it creates a shadow on the road that you can see from a distance. If you spot a pothole early, you can take the necessary precautions to avoid it.” He said if the pothole was in the middle of the road, you could try to straddle it, driving over it safely without any damage to the vehicle. Von Bargen said if the pothole was on the side of the road, try to go slightly around it and you should get past it easily enough. “Swerving out to avoid the pothole is the last thing you should do as you may hit another vehicle. It should never be an option,” he said. In cases where you can’t avoid the pothole and have to go over it, he provided the fol- lowing information: “If you spot it too late, you have to go through it. In that case, you should check first to ensure that it is safe for you to stop before you hit the pothole. Make sure there is no vehicle behind you. Right before you go into the pothole, release the brake pedal before your front wheel goes into the pothole.” He said this was done to minimise damage. “If you hit the pothole at a speed, braking suddenly would cause the front wheel to stop turning. This results in the wheel being stationary as you drive out of the pot- hole which would have caused damage because you were travelling at a speed. Von Bargen said if you released the brake before you entered the pothole, it would allow the wheel to still be spinning and enable you to drive out of the pothole with minimal damage. “However, if you do hit a pothole at speed, damage will be caused to your vehicle which you would have to get repaired,” he added. Driving expert Johann von Bargen. ROB Prece, owner of mechanical workshop Dub- corp, said the damage to vehicles from going through potholes could be extensive. He said the first things to be damaged would be the tyre and rim. “We find that this is very common, with people want- ing repairs after hitting a pothole. The suspension can also be damaged.” He said there were control arms connected to the wheel with rubber bushes on them. Hitting a pothole with force damages the rubber bushes. Shocks and mounts could also be damaged. “I had a customer the other day who hit a pothole and needed his rim, tyre, control arm and shock replaced. All from driving through one pothole. “The problem is that many new cars come equipped with lower profile tyres, which results in greater damage to the car if you hit a pothole. A higher profile tyre may result in less damage to the vehicle. The size of the pothole is also a contributing factor,” Prece said. He said the speed you were travelling when you hit a pothole also affected the severity of damage. “The faster you are going when you hit the pothole, the more damage there will be. If you hit an average size pot- hole, even at the speed limit, you can do serious damage to the car.” Prece said they had been doing more suspension repairs lately, which was unusual as suspensions were checked and serviced during regular car services if the vehicle had done over 100 000km. “Cars are coming in for suspension work year on year, and this is attributed to the condition of the roads… The more expensive the vehi- cle, the higher the cost of the repair,” he added. IN THE second case, Perushan Naicker drove into a pothole on the R102 towards Tongaat. He drives an Opel Astra OPC. “There was damage to the front and back tyres on the right-hand side. Both mag rims on the wheels were scraped and had buckled. “The cost to repair, repaint and straighten the two mag rims was R1 500. I had to replace both tyres as well, which cost R3 600. The total came to R5 100.” Naicker submitted a claim to the eThekwini Municipality on January 5 and on January 13 received an acknowledg- ment and claim number. “Thereafter, I received a let- ter from the municipality stat- ing the following; ‘According to our investigation we are not responsible for loss/damage. It would appear the Department of Transport may have created the hazard that led to the inci- dent. We have sent your docu- ments to the KZN Department of Transport.’ “I was then given a contact number and the name of the contact person from the KwaZulu-Natal department, who is taking up this matter. “I contacted the department and received a document to fill in via post. I am currently filling in the form which requires a lot of documenta- tion,” Naicker said. He said he had no choice but to claim from the municipality as his insurance did not cover pothole damage. “I paid for the repairs from my own pocket and if the claim is unsuccessful, it will be a big loss to me. “They said it could take up to six months to investigate before I know if my claim is successful,” he added. YULESAN GOUNDEN PERUSHAN NAICKER Pothole claims:Two drivers relate their experiences CHARMEL PAYET drives the pothole campaign Pothole damage increasingly common and often costly Dos and don’ts of avoiding potholes Readers praise pothole series as helpful and informative You can claim for damages People can claim from the eThekwini Municipality if their vehicle is damaged by a pothole.Each claim is investigated before it’s decided whether the municipality is liable . HOW TO CLAIM Don’t be furious, it’s so fast REPORTING a pothole has never been this easy. City Watch reported on a new mobile app, Ogaats, which makes lodging a municipal fault in any of the country’s 226 municipalities easy. Creator Pierre du Toit launched the app earlier this year and said it shouldn’t take more than 30 seconds to report a fault. Following up, the app is still up and run- ning and doing well. It is a simple concept. Log on to the website via phone or computer con- nected to the internet. Once on the Ogaats webpage, select the type of fault you are reporting from potholes, parks, traffic lights, water, signage and drain covers. Select a location and upload a photo and/or enter a description. The information is then routed to the right local authority. The com- plaint remains anonymous. Visit www.ogaats.co.za Evidence of negligence needed, writes C h a r m e l P a y e t

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Page 1: You can claim for damages - Durbandag.durban.gov.za/Resource_Centre/Current Projects and Programmes... · ERIOUS damage can be caused to a vehicle if you hit a pothole travel-

CITY WATCH 15SUNDAY TRIBUNE JULY 5 2015

SERIOUS damage can becaused to a vehicle ifyou hit a pothole travel-ling at a speed. While it

might be costly to repair thedamage caused, the eThekwiniMunicipality has a system inplace through which you canclaim for damages.

If an investigation finds themunicipality was negligent,you will be compensated.

Thulani Ntuli, insurancemanager at the eThekwiniMunicipality, said people couldlodge a claim against themunicipality for loss or dam-age suffered from drivingthrough a pothole.

But he said lodging a claimdid not necessarily mean theclaim would be settled.

A number of steps had to beundertaken in the process.

The information requiredto process a pothole claimincludes, but is not limited to:

● Full name, address andcontact details of the claimant.

● The date and time of theloss or damage.

● The exact location of theincident.

● What was lost or damagedand any proof.

● Description of the cir-cumstances of the loss or dam-age.

● Estimated cost of totalclaim.

● Was the hazard reportedto the municipality before (theincident)? Quote the referencenumber.

● Why you are claimingfrom the municipality?

Ntuli said a claimant shouldalso provide proof of damagesin the form of photographs,proof of fair and reasonable

costs, a sworn affidavit declar-ing a claimant will not claimboth from the municipality andpersonal insurance for thesame incident, a copy of theirID and any other additionalinformation that might be nec-essary depending on the cir-cumstances of a claim.

“When we get claim infor-mation we acknowledgereceipt and conduct an investi-gation. All claims submittedare investigated. It could takeabout eight weeks to finalise aninvestigation depending on thecomplexity of the incident,”he said.

Ntuli said a claimant must

disclose the exact location ofthe incident to avoid delays.

“The findings of the investi-gation will reveal facts sur-rounding the incident andserve as the basis of paying orrejecting a claim. Not all claimslodged are paid.

“For a claim to be successfulsubject to the laws of the coun-try, including municipal by-laws, there must have been anegligent act on the part of theeThekwini Municipality.”

He said in the absence ofevidence of negligence, regret-tably no financial compensa-tion would be paid.

“The reasons for not paying

a claim will always be sent inwriting to a claimant.”

However, you can appeal ifyou are unhappy with a deci-sion.

“As a caring organisation,the municipality does allowclaimants to appeal againstdecisions.

“The appeal must be in writ-ing, marked for the attention ofthe person who sent the claimrejection letter.

“The appeal content mustspell out areas of concern andreasons a claimant says themunicipality came to an unfairconclusion. The claim isreviewed, reinvestigated and

the decision of the appeal iscommunicated to the claim-ant,” he said.

Ntuli said negligence, forexample, could include a pot-hole hazard on the road havingbeen logged via the call centrefor fixing with the referencenumber as evidence readilyavailable.

“Also, if a reasonable periodof 48 hours has lapsed from thetime the municipality becameaware of the pothole but failedto take reasonable precautionsto mitigate the potential loss ordamage, then the municipalitymay be deemed to have beennegligent.

“However inclementweather, public holidays,weekends and other unfore-seen circumstances can affectthe time span to fix a pothole,”he said.

Ntuli could not provide anestimate of how much hadbeen paid out by the city forpothole claims in the pastfinancial year.

SUNDAY Tribune readers have praised the pot-hole initiative run in partnership with theeThekwini Municipality.

They said that the series had been informa-tive and helped them to understand the ins andouts of causes and repairs.

The series has also shed light on the Roads

and Stormwater Maintenance Department,which is tasked with maintaining our roads,which includes pothole repairs.

They also sent in photographs of roads inurgent need of repair in their neighbourhoods,asking that they be dealt with.

The first complaint was in Avondale Road,

where the uneven surface was damaging cars, aresident claimed.

Photos of potholes in Mentone Road werealso submitted.

Another reader said some of the potholescould not be seen because of the shadow of thetrees alongside the road which resulted in an

awful impact when you drove through them.Potholes in Innes Road and the uneven road

edges in Nuttall Gardens, Morningside, werealso highlighted.

All the complaints have been forwarded to theRoads and Stormwater Maintenance Engineer-ing Centre to be fixed.

Innes Road, Morningside is not pothole-free. Be aware when driving along Mentone Road, Morningside.

Potholes and uneven surfaces in Nuttall Gardens, Morningside. Further potholes on Mentone Road in Morningside The uneven road surface at Gate 4,Avondale Road, Greyville.

To make enquiries or lodge a claim:Tel: 031 311 1376Fax: 031 311 1726E-mail: [email protected]

YULESEN Gounden, an audi-tor, drives a BMW 320e. Hedrove into a pothole en route toa client in Westmead, Pinetown,which is an industrial area.

While he noticed the numer-ous potholes on the road, he didnot report them to the munici-pality to have them repaired.

“Many trucks drive there. Ihit a large pothole but didn’tnotice the damage until I hadparked. There were bubbles onboth my front and back tyreson the left-hand side.”

Gounden said that he wentto BMW to have the tyres fixed.

“I was told that I had to changeall four. I couldn’t change justthe affected two because nar-row tyres were used in the frontand wider tyres at the back. Itcost R9 000 to replace all fourtyres and the shock tower,which was also damaged.”

After the repairs, Goundenfilled in the necessary formsand e-mailed his claim to theeThekwini Municipality.

“After three weeks I had noresponse, so I sent another e-mail. I received a response aweek later asking me to submita sworn affidavit stating that I

was not claiming damagesfrom my private insurer, whichI did.”

Gounden said he submittedthe claim in March but onlyreceived a response in May,stating that his claim wasunsuccessful as there was nonegligence on the part of themunicipality.

“It put me in a predicamentbecause when I tried to claimfrom my private insurancethey said too much time hadlapsed so they would not bepaying me either because Iwaited too long to claim. “NowI’m in the hole for R9 000 whichI had to put on my credit card.”

He intends to appeal.

DRIVING expert Johannvon Bargen from Pro Dri-ving Tactics said one of themost important things to beaware of when driving werepotholes.

“You should be able to seethem from a distance. Youshould look for dark patcheson the road. Because of thesun, it creates a shadow onthe road that you can seefrom a distance. If you spot apothole early, you can takethe necessary precautions toavoid it.”

He said if the pothole wasin the middle of the road,you could try to straddle it,driving over it safely withoutany damage to the vehicle.

Von Bargen said if thepothole was on the side ofthe road, try to go slightlyaround it and you should getpast it easily enough.

“Swerving out to avoidthe pothole is the last thingyou should do as you may hitanother vehicle. It shouldnever be an option,” he said.

In cases where you can’tavoid the pothole and have togo over it, he provided the fol-lowing information:

“If you spot it too late,you have to go through it. Inthat case, you should checkfirst to ensure that it is safefor you to stop before you hit the pothole. Make surethere is no vehicle behindyou. Right before you gointo the pothole, release thebrake pedal before your

front wheel goes into thepothole.”

He said this was done tominimise damage.

“If you hit the pothole at aspeed, braking suddenlywould cause the front wheelto stop turning. This resultsin the wheel being stationaryas you drive out of the pot-hole which would havecaused damage because youwere travelling at a speed.

Von Bargen said if youreleased the brake before youentered the pothole, it wouldallow the wheel to still bespinning and enable you todrive out of the pothole withminimal damage.

“However, if you do hit apothole at speed, damage willbe caused to your vehiclewhich you would have to getrepaired,” he added.

Driving expert Johann vonBargen.

ROB Prece, owner ofmechanical workshop Dub-corp, said the damage tovehicles from going throughpotholes could be extensive.

He said the first things tobe damaged would be thetyre and rim.

“We find that this is verycommon, with people want-ing repairs after hitting apothole. The suspension canalso be damaged.”

He said there were controlarms connected to the wheelwith rubber bushes on them.Hitting a pothole with force damages the rubberbushes.

Shocks and mounts couldalso be damaged.

“I had a customer theother day who hit a potholeand needed his rim, tyre,control arm and shockreplaced. All from drivingthrough one pothole.

“The problem is thatmany new cars comeequipped with lower profiletyres, which results ingreater damage to the car if

you hit a pothole. A higherprofile tyre may result in lessdamage to the vehicle. Thesize of the pothole is also acontributing factor,” Precesaid.

He said the speed youwere travelling when you hita pothole also affected theseverity of damage.

“The faster you are goingwhen you hit the pothole, themore damage there will be. Ifyou hit an average size pot-hole, even at the speed limit,you can do serious damage tothe car.”

Prece said they had beendoing more suspensionrepairs lately, which wasunusual as suspensions werechecked and serviced duringregular car services if thevehicle had done over100 000km.

“Cars are coming in forsuspension work year onyear, and this is attributed tothe condition of the roads…The more expensive the vehi-cle, the higher the cost of therepair,” he added.

IN THE second case, PerushanNaicker drove into a pothole onthe R102 towards Tongaat.

He drives an Opel AstraOPC. “There was damage tothe front and back tyres on theright-hand side. Both mag rimson the wheels were scrapedand had buckled.

“The cost to repair, repaintand straighten the two magrims was R1 500. I had toreplace both tyres as well,which cost R3 600. The totalcame to R5 100.”

Naicker submitted a claimto the eThekwini Municipality

on January 5 and on January13 received an acknowledg-ment and claim number.

“Thereafter, I received a let-ter from the municipality stat-ing the following; ‘According toour investigation we are notresponsible for loss/damage. Itwould appear the Departmentof Transport may have createdthe hazard that led to the inci-dent. We have sent your docu-ments to the KZN Departmentof Transport.’

“I was then given a contactnumber and the name of thecontact person from the

KwaZulu-Natal department,who is taking up this matter.

“I contacted the departmentand received a document to fillin via post. I am currentlyfilling in the form whichrequires a lot of documenta-tion,” Naicker said.

He said he had no choice butto claim from the municipalityas his insurance did not coverpothole damage.

“I paid for the repairs frommy own pocket and if the claimis unsuccessful, it will be a bigloss to me.

“They said it could take upto six months to investigatebefore I know if my claim issuccessful,” he added.

YULESAN GOUNDEN PERUSHAN NAICKER

Pothole claims:Two drivers relate their experiences

CHARMEL PAYETdrives the

pothole campaign

Pothole damage increasinglycommon and often costly

Dos and don’ts ofavoiding potholes

Readers praise pothole series as helpful and informative

You can claim for damages

People can claim from the eThekwini Municipality if their vehicle is damaged by a pothole. Each claim is investigated before it’s decidedwhether the municipality is liable .

HOW TOCLAIM

Don’t be furious, it’s so fastREPORTING a pothole hasnever been this easy. CityWatch reported on a newmobile app, Ogaats, whichmakes lodging a municipalfault in any of the country’s226 municipalities easy.

Creator Pierre du Toitlaunched the app earlier thisyear and said it shouldn’ttake more than 30 seconds toreport a fault. Following up,the app is still up and run-ning and doing well.

It is a simple concept.

Log on to the website viaphone or computer con-nected to the internet. Onceon the Ogaats webpage,select the type of fault youare reporting from potholes,parks, traffic lights, water,signage and drain covers.Select a location and uploada photo and/or enter adescription. The informationis then routed to the rightlocal authority. The com-plaint remains anonymous.

Visit www.ogaats.co.za

Evidence ofnegligenceneeded, writesCharmel Payet