I bought a used car and had an accident. My insurance claim was rejected, leaving me unable to use or fix the car.

The long answer

To take the issue of not being able to trace the company first: If the company is still insured with the same insurer, the insurer would only have the company’s new address if the company had informed them of the new address and updated the policy details. A policyholder is required to inform the insurer of a change of address to allow the insurer to look at risk assessment in the area and calculate a new premium if that is required. If the company moved without giving the insurer the new address and information, the insurer probably wouldn’t know the new address. 

But it is probably worthwhile asking the insurer if the company is still insured with them and if they can give you the new address. You could also explain your situation and ask them for their assistance in getting the claim settled.

Secondly, the vehicle registration and licensing are recorded on the National Traffic Information System (NaTIS).

The Vehicle Registration | Western Cape Government website says that a vehicle's registration is terminated:

• When the title holder of the vehicle changes.

• When ownership of the vehicle changes (with the permission of the title holder).

Thus, the registration certificate of the company is terminated. The seller must also provide the licensing department with a Notice of Change of Ownership (NCO) within 21 days of the sale. (My emphasis)

So you need to apply for a new registration certificate from the licensing dept of your local municipality. This could cost from R150 to R250, depending on your province.

These are the documents you will need:

1. Proof of purchase 

2. Your ID

3. Proof of address

4. A roadworthy certificate

5. A completed Application for Registration Licensing of Motor Vehicle form - RLV or DRC. You can download the correct one from municipal websites.

If you don’t have a roadworthy certificate, this would also be a problem, as you obviously won’t be able to get one before it is fixed.

You could ask Legal Aid for assistance in settling the insurance claim. It is a means-tested government organisation that must assist people who can’t afford a lawyer.

These are their contact details:   

• Legal Aid

Tel: 0800 110 110 (Monday to Friday from 7am to 7pm) 

Please-call-me: 079 835 7179

Email: communications2@legal-aid.co.za

Wishing you the best,
Athalie