If you are not insured you will personally have to claim from the person who caused the damage to your vehicle or things. If your claim is for less than R20 000 then you can claim it in the Small Claims Court if there is one in your area. (See Small Claims Court; See Problem 2: A person’s car is not insured and it is damaged in an accident)

You may also institute a claim in the Magistrates’ Court; it should however be remembered that you may only claim for a maximum of R200 000 in the Magistrates’ Court. A claim over R200 000 has to be instituted in the High Court. You will need an attorney to help you. (See Civil claims)