Third part experience.

Good Morning Bongathini Z

Thank you for your review and bringing this to our attention. 
We can confirm that the Attorneys on record have contacted you to advise you on the way forward. 
To help you understand the process we advise the following: 

• A 3rd party liability matter is not a claim, but a separate legal process and must be treated as such. They are subject to different timelines and subject to civil proceedings under South African law.
  • The liability cover is not a promise of payment for all liability matters, it is however a promise that the Insurer will defend a liability claim against you (and by association, the Insurer) We refer to your policy wording, Section O (below)

O. WE MAY ACT ON YOUR BEHALF (subrogation)1. When you claim from us, we take over your rights or responsibilities to act against any other person or entity (for example a company) to recover costs or to defend any claim against you.

• The 3rd party should not contact you directly. Should he attempt to contact you, please refer him to the Attorneys on record. 
• We highly recommend that the 3rd party claim from his own Insurer or appoint his own attorney to negotiate with the Insurer
• Please also remember to not admit liability nor make offers to settle the 3rd Party directly as this could jeopardise your claim and the liability matter. The Attorneys are the most qualified to determine the apportionment of blame. 

We trust this addresses your queries.
Please feel free to contact us should you have any questions

Kind regards 

The SAU Team 

We Dare to Deliver!