A third party claim does not cover damages to your property, such as:

• Damage to your car
• Damage to your other things, such as your watch, your clothes, or your suitcase
• Damage to your fence or to your house when someone drives off the road and into your house

If you want to claim money because your property is damaged, you must claim separately from the negligent driver or his or her insurance company and not from the RAF.

The Compensation for Occupational Injuries and Diseases Act says that you cannot sue your employer in a civil court for damages if you are injured on the job. But if your employer caused injury to you while you were not on the job, you can sue him or her. (See: Compensation Fund)