Cawood obo Manuel v Road Accident Fund (9084/2021) [2025] ZAGPPHC 1074 (1 October 2025)

58 Reportability
Personal Injury Law - Road Accident Fund

Brief Summary

Tort — Road Accident Fund — Claim for damages — Plaintiff, a pedestrian, sustained severe injuries in a motor vehicle accident — Plaintiff sought compensation for past medical expenses, future medical care, loss of earnings, and general damages — Road Accident Fund conceded merits 100% — Expert evidence established permanent disability and unemployability due to cognitive and physical impairments — Court awarded R1,404,240.00 for loss of earnings and R3,200,000.00 for general damages, emphasizing the need for just compensation in light of the plaintiff's significant impairments and loss of quality of life.

IN THE HIGH COURT OF SOUTH AFRICA
(GAUTENG DIVISION PRETORIA)
D ELETE WH IC HE V ER IS N O T AP PLIC AB LE
(1) REP O RT AB LE: YES/NO
(2) OF IN TERE ST TO O TH ER JUDG ES: YES/NO
(3) RE V ISED :
01/10/2025
DATE
In the matter between:
SIGNATURE
Adv C CAWOO D 0 80 KLAS IE MA N U EL.
CAS E N O : 9084/2021
PLAINTIFF

MOGOTSI AJ
1. This is an action against the Road Accident Fund (hereinafter the Fund)
instituted by Advocate Cawood in his representative capacity of the Klasie
Manuel, hereinafter referred to as the patient, due to injuries sustained as a
result of a motor vehicle accident which occurred on 11 November 2018. At the
time of the accident, the patient was a pedestrian, and later, the RAF conceded
the merits 100%.
2. The plaintiff is seeking the following issues: past medical expenses (indemnity)
and future medical (section 17(4)(a) undertaking), R1,404,240.00 for loss of
earnings, and R3,200,000.00 for general damages.
3. The patient sustained the following injuries:
• Traumatic head injuries with fractures and brain injuries, resulting in
significant residual cognitive, communicative and behavioural deficits.
• Whole person impairment of 43%
• Major neurocognitive disorder secondary to a traumatic brain injury and
adjustment disorders.
and

ROAD ACCIDENT FUND



JUDGEMENT

Evidence
4. The Plaintiff was examined by several experts whose reports were confirmed by
their affidavits filed. The Plaintiff launched a Rule 38 (2) for such evidence to be
adduced by way of affidavit, and the application was granted. 5. Dr Z Domingo,
a neurosurgeon, compiled a report based on the assessment done on 26
February 2025. He opines that the patient sustained a moderate to severe head
injury with intracranial haemorrhages as seen on CT scan. His WPI IS 43% and
his longevity has been affected. He has residual physical, cognitive-
communicative, and behavioural problems. He is permanently disabled and
unemployable. He had a well-controlled epileptic condition. He was blind in his
left eye due to a childhood injury. He recommended that curator ad litem be
appointed on his behalf. He was born on 10 November 1978, unmarried, with two
children aged 14 and 23 years respectively. His highest level of education is
grade 7. At the time of the accident, he was employed casually as a general
worker and a gardener, but failed to return to any form of work after the accident
due to poor memory and difficulty understanding and following instructions.
Since the accident, he was born on 10 November 1978, unmarried, with two
children aged 14 and 23 years respectively. His highest level of education is
grade 7. At the time of the accident, he was casually employed as a general
worker and a gardener, but failed to return to any form of work after the accident
due to poor memory and difficulty understanding and following instructions.
Since the accident, he has withdrawn socially and has no friends. Due to difficulty
following conversations, he tends to be withdrawn socially. He has poor memory
and concentration. He had poor hand coordination and a mild, unsteady gait.
Loss of earnings - considering the nature of his physical, cognitive,
communicative and behavioural deficit, he opined that he is permanently
disabled and unemployable in the open labour market.

disabled and unemployable in the open labour market.
5. Dr Taryn Sutherland, a psychiatrist, provided his report on 14 January 2025. He
opined that during assessment, he had cognitive, communicative and
behavioural symptoms. He experiences distress regarding his altered cognitive
functioning. He is profoundly impaired and will require supervision and
assistance permanently. Considering the combination of behavioural, cognitive
and communicative difficulties, he is permanently unemployable in any capacity.
He requires a lifelong home-based career and residential care facility.

6. Renee de Wit and Transient Schoeman, neuropsychologists, compiled an
addendum report based on the assessment done on 4 August 2025. The patient
expressed severely impaired functional communication skills, and his ability to
express his thoughts and ideas meaningfully to others, understand and
remember what others are saying is severely compromised.
7. According to Me Let Roux, an occupational therapist, he presented with mild
ataxia bilaterally, severe dyspraxia and dexterity was poor on both sides. His
hand movement was slow, slightly ataxic and dyspraxia. Pre-accident, he did
general work, gardening and construction piece jobs and was a recipient of
disability grant due to epileptic seizures and could manage his finances
independently. Post-accident, he has not worked in any capacity and remains
unemployed. He is unemployable in any capacity.
8. Karen Kotze, an industrial psychologist, provided a report dated 11 November
2018 and an addendum report dated 12 August 2018. His occupation was
unknown until the accident. He was a gardener, construction worker, and his
employment was project-based contract and pie jobs. For the period October
2017, he was employed at a scrap metal dealership as a general worker on a
casual basis. His wages in 2018 were R500.00 per week, equating to R 2 165.00
per month and R25 980.00 per annum. For the period 2014, he was employed as
a gardener for Me Brown, in Kraaifontein, Western Cape. He was earning
R300.00 per week, equating to R1299.00 per month and R15 588.00 per annum.
Pre-accident career postulation - At the time of the accident, he was 40 years old
and in possession of a grade 7 level of education. His employment history is
characterised by unskilled work roles. The actuaries confirm that they have
interpreted the information supplied as adequately as possible and accept that
the alternative interpretation is possible. He has withdrawn socially and has no
friends.

9. M unro Cconsulting provided an actuarial report dated 13 August 2025, based on
the addendum compiled by Kotze, which, amongst others, assumed the career
path and earnings opined by Kotze and applied normal contingencies of 5% to
past and 15% to future injured earnings. The following calculations were
provided:

UNINJURED INJURED LOSS

PAST R476 400 -

LESS 5% -

= R452 580 - R452 58O

FUTURE R1 119 600 -

= R951 660 R951 660


TOTAL LOSS OF EARNINGS R1 404 240


General damages

10. It is a common cause that the plaintiff suffered serious injuries. Plaintiff claims an
amount of R3,200 000.00 for general damages.

Legal principles applicable to claims of general damages
11. In Van der Merwe v Road Accident Fund and Another,1 Moseneke DCJ had the
following to say about general damages:
“The notion of damages is best understood not by its nature but by its purpose.
Damages are “a monetary equivalent of loss “awarded to a person with the
object of eliminating as fully as possible [her or] his past as well as future
damage.” The primary purpose of awarding damages is to place, to the fullest
possible extent, the injured party in the same position she or he would have been
in, but for the wrongful conduct. Damages also represent “the process through
which an impaired interest may be restored through money.” To realise this
purpose, our law recognises patrimonial and non-patrimonial damages. Both
seek to redress the diminution in the quality and usefulness of a legally protected
interest. It seems clear that the notion of damages is sufficiently wide to include
pecuniary and non-pecuniary loss, and it is understood to do so ordinarily in
practice. Non-patrimonial damages, which also bear the name of general damages,
are utilised to redress the deterioration of highly personal legal interests that
attach to the body and personality of the claimant. However, ordinarily, the
breach of a personal legal interest does not reduce the individual’s estate and
does not have a readily determinable or direct monetary value. Therefore,
general damages are, so to speak, illiquid and are not instantly sounding in
money. They are not susceptible to exact or immediate calculation in monetary
terms. In other words, there is no real relationship between the money and the
loss. In bodily injury claims, well-established variants of general damages include
“pain and suffering”, “disfigurement”, and “loss of amenities of life. It is important
to recognise that a claim for non-patrimonial damages ultimately assumes the
form of a monetary award. Guided by the facts of each case and what is just and

form of a monetary award. Guided by the facts of each case and what is just and
equitable, courts regularly assess and award to claimants’ general damages
sounding in money. In this sense, an award of general damages to redress a
breach of a personality right also accrues to the successful claimant’s patrimony.

1 Van der Merwe v Road Accident Fund and Another (CCT48/05) [2006] ZACC 4

After all, the primary object of general damages, too, in the patrimonial sense, is
to make good the loss; to amend.”
12. In the case of Protea Assurance Co Ltd v Lamb2 Potgieter, JA stated that
although the determination of an appropriate amount for general damages is
largely a matter of discretion of the court, some guidance can be obtained by
having regard to previous awards made in comparable cases; however, as
stated by the learned Potgieter J, in that case:
“... this process of comparison does not take the form of a meticulous
examination of awards made in other cases to fix the amount of compensation;
nor should the process be allowed so to dominate the enquiry as to become a
fetter upon the Court's general discretion in such matters. Comparable cases,
when available, should rather be used to afford some guidance, in a general
way, towards assisting the Court in arriving at an award which is not substantially
out of general accord with previous awards in broadly similar cases, regard being
had to all the factors which are considered to be relevant in the assessment of
general damages. At the same time, it may be permissible, in an appropriate
case, to test any assessment arrived at upon this basis by reference to the
general pattern of previous awards in cases where the injuries and their
sequelae may have been either more serious or less than those in the case
under consideration.”
Quantification of General Damages
13. When determining general damages, Holmes J in Pitt v Economic
Insurance Co Ltd3 said ‘[T]he court must take care to see that its award is fair to
both sides – it must give just compensation to the plaintiff, but it must not pour
out largesse from the horn of plenty at the defendant’s expense.’


2 Protea Assurance Co Ltd v Lamb 1971 (1) SA 530 (A) at 535H-536A
3 Pitt v Economic Insurance Co Ltd Pitt v Economic Insurance Co Ltd 1957 (3) SA 284 (D) at 287E–F

Comparable cases

14. In van Rooyen NO v RAF4 2022 (8A4) QOD 156 (GNP) (“Van Rooyen”), in the
Pretoria High court, Brand AJ on 8 December 2017, awarded general damages
of R2 200 000-00, with a current value of R3 241 171-00 (R2 200 000-00 x
9862/6694 – see Koch Quantum Yearbook: 2025 on page 2), to a junior farm
manager, Mr JPN van Reenen, 29 years of age at the time of the award, who
sustained a severe head injury resulting in severe brain damage with permanent
physical, cognitive, neuropsychological and physical consequences. Post-
accident, the patient is severely and permanently impaired. Hospitalised for a
prolonged period and underwent a range of invasive medical procedures. The
accident occurred on 4 May 2013, and he was eventually discharged from the
rehabilitation centre on 2 August 2013. He is severely physically disabled: he
suffers from persistent hemiparesis (weakness on one side of the body); he has
problems with incontinence and with feeding; he is essentially wheelchair bound
(although he can walk, it is only for short distances and his right side must be
supported); he experiences spasticity in all four limbs, to the extent that his left
hand is useless; and his hand co-ordination and dexterity in his right hand
remains poor. His physical condition is such that he requires constant assistance
from a carer to help him walk and in other respects. He has suffered severe and
disabling cognitive and behavioural changes and impairments. He has poor
attention, working memory, processing speed, verbal and visual memory, visual
organisation and executive functioning. His speech and language have also been
badly affected (slowness, poor articulation, distortions, reduced clarity and
unintelligibility of speech, poor word retrieval and poor listening attention.

15. In Wv v RAF 2019 (7A4) QOD 113 (FB) (“WV”)5, in the Bloemfontein High Court
on 1 February 2019, Mbhele AJ awarded general damages of R2 100 000-00,

4 VAN ROOYEN NO v RAF4 2022 (8A4) QOD 156 (GNP)
5 WV v RAF 2019 (7A4) QOD 113 (FB) (“WV”),

with a current value of R2 842 000-00 (Koch: 2025 on page 52), to a 27-year-old
apprentice, who in 2011 sustained traumatic brain injuries with base of skull
fracture and pons bleed; mandible fracture; right lower leg, tibia and fibula
fractures. He was in a coma and transferred to the ICU, ventilated on a T-piece,
and had a GCS of 4/15. He uses a cane to walk, and he can read but is unable to
write. He is still taking medication for his injuries. The internal fixation on his right
lower leg was removed due to excessive pain and discomfort. He currently
complains of headaches. He has behavioural and emotional disorders
(aggressive, forgetful, depressed, isolates himself and uses foul language). He
has a permanent speech defect. The plaintiff is permanently disabled due to his
brain stem injury. He will never be able to work again. He cannot live on his own
and has to be supervised 24 hours a day. The evidence showed that the plaintiff
is permanently disabled with significant mental and physical impairment. He will
need constant supervision and nursing services. His career, social life, and family
life are destroyed. He is at a high risk of developing epilepsy in the future.

Discussion
16. Baliso v Firstrand Bank Limited t/a Wesbank [2016] ZACC 236

“In terms of our civil procedure, a default judgment for a debt or liquidated
demand is granted on an acceptance of the allegations as set out in the
summons,
without any evidence. Where the claim is not for a debt or liquidated demand, the
court may, after hearing evidence, grant judgment. This typically provides
evidence only on the amount of unliquidated damages. The reason for not
hearing evidence on the other factual allegations made in the summons or
particulars of claim is that, because the claim is not opposed, it may be accepted
that those allegations are admitted or not disputed.”
17. I am duty-bound to follow precedent, and my approach in the evaluation of the

17. I am duty-bound to follow precedent, and my approach in the evaluation of the
evidence is based on what was articulated in the matter mentioned supra. The

6 Baliso v Firstrand Bank Limited t/a Wesbank [2016] ZACC 23

defendant did not file any expert report. The only evidence before me is the
plaintiff's version. Submissions from the bar do not amo unt to evidence, although
I have considered the same .
18.1 am not persuaded by the defendant's counsel that the cases men tioned by the
plaintiff's counsel are not comparab le to the current case because the patient is
not in a w heelchair. There can never be broadly similar matters.
19. H aving considered all the evidence, it is my considered view that the amounts
claimed by the plaintiff for loss of earnings. A nd general damages are fair and
reasonable.
20. The defendant has been provided w ith vouchers, and the plaintiff is therefore
entitled to indemnity against claims from the supplier in respect thereof and further
entitled to a section 17 (4) (a) undertaking.
Order
In the circumstances, the follow ing order is made:
1. The draft order ma rked "X" is made the order of the court.
MOGOTSI AJ
JUDGE OF THE HIGH COURT
Counsel for plaintiff: Adv lsma De lport,
Cell: 0832504035 ,
Email: ismadel@g kchambers.co.za
Attorneys for the plaintiff: M r JT
Adendorff,
Cell: 0823767475
Ema il: james@aa law .co.za
State attorney for defendant: Adv T Mu kasi, cell 0724526977 ,
Email: Terrencem@ raf.co.za