How not to end up on ‘I Blew It'

How not to end up on ‘I Blew It’

Boitumelo Ntsoko hosts The popular show ‘I Blew It’ on DStv.  This podcast follows the lives of people who have received large amounts of money, either through their inheritance, the lottery or the Road Accident Fund. Often they end up spending it all and ending up in a far worse position than before they got their windfall. Sadly, this is a reality that we have seen play out in our own communities, where young people misuse a large sum of money they come across.

Certified financial planner at NFP Private Wealth Management Thulisile Nkomo shares some tips on how to maximise your financial windfall smartly.

Read the full transcript or listen to the podcast on Moneyweb’s site.

 

 

Major Costs You Can Recover After A Car Accident

EconoTimes: Tuesday, July 13, 2021 12:16 AM UTC

Suppose you were recently involved in a car accident. In that case, you might be unsure of the costs you can recover and where to recover these costs from. Even if the accident was not severe and your injuries are not life-threatening, you are still entitled to compensation.

In cases where a car insurance policy covers you, you will be able to claim damages from your insurer. However, if you don’t have insurance, things can get a bit tricky, mainly if the responsible driver had fled the accident scene and the authorities are unable to locate them. In other cases, the responsible driver may not have insurance. Fortunately, most regions have some kind of road accident fund that will allow you to recover your damages. However, it is always best to rely on a car accident law firm to manage the claim process. With that said, we’ve listed the most prominent costs that you can recover after a car accident.

Vehicle damages you can recover after a car accident

The most prominent cost you will need to claim for, even in instances of minor collisions, is the damages to your vehicle. Unfortunately, even a tiny bump can cost a fortune in repairs. When claiming for vehicle damages, it will be in your best interest to get a quote from a few vehicle repair companies to provide your insurer or the responsible party’s insurer with accurate claim information. If your vehicle is under warranty, you should request quotes from the manufacturer. In instances where your car is a write-off after the accident, you may not be able to claim the total value of your vehicle. However, an accident lawyer will best assist with this situation when claiming.

Medical bills you can recover after a car accident

Even if the collision was minor, you should still visit a doctor for a checkup to assess if you have endured hidden injuries, such as whiplash, internal bleeding, and others. Regardless of the outcome of your checkup, you can still include your bill in your claim as a precautionary cost incurred from the accident. You can also include all your medical bills in more severe road accident situations, even the expenses foreseen of ongoing medical treatment that are necessary after your injuries from the collision.

Loss of Income

Loss of income is another prominent cost endured by victims of car accidents. You may only lose a few days of income in less severe cases while recovering from the initial trauma and having your vehicle repaired. In contrast, in more extreme cases, you may be left unable to earn an income due to the accident. Regardless, you can claim for loss of income with proof from your employer and the help of an accident attorney.

There are a few other less significant costs that you can also claim for, such as possible trauma counseling costs that result from mental turmoil. In addition, you can also claim the costs of renting an additional vehicle or using alternative means of transport and damage to possessions within the car at the time of the accident. However, it is always best to claim with the expert help of an accident lawyer to ensure that your claim process goes as smoothly and you are treated fairly.

Need to know more?

If you have been injured on a South African road and need to learn more about major costs you can recover after a car accident, why not get in touch with us – we’d be happy to assist.

‘Pay us or we let them die’, private ambulances threaten DOH and RAF

It has emerged that lately private ambulance operators leave patients without medical aid to suffer on accident scenes.

People without medical aid could find themselves in the crossfires as scuffles between the department of health (DoH), Road Accident Fund (RAF), and private ambulance operators continue.

It has emerged that lately private ambulance operators leave patients without medical aid to suffer on accident scenes as they claim the RAF does not pay the service fees.

“Previously, we were able to get paid from RAF by having an accident report case number from the police,” said Mario Booysen, secretary-general of the KwaZulu-Natal region for Private Ambulance Association.

“Now the RAF wants us to wait for the full report from the police to be able to get paid, something that takes a long time.”

The dispute happens after a voice note of a passerby who witnessed an accident complaining about ambulance staffers who watched patients and left without helping them.

“There are people who are involved in a car accident but they don’t have medical aid, so please please arrange the government ambulance,” the person in the voice notes is heard pleading.

“The private ambulances refused to help. They just stood and watched these people suffering in pain and left the scene. Why don’t you save the life of a person? I am deeply hurt.”

It is not clear where the accident happened but Booysen said such behaviour was not condoned. However, he said that the actions of department of health and RAF leave their members with no options as this has a potential to collapse their members businesses.

As KZNPAA we do not condone this behaviour, however, if RAF CEO continues to force the private ambulances…. only government ambulances will attend to non-medical aid accidents.

The KZNPAA on Monday staged action against KZN department of health).

Among other demands they want their members to be vaccinated as they are frontline workers.

They are claiming that the department does not want to recognise their members despite “our members being registered emergency service providers with the department”.

What’s going on with the Road Accident Fund?

What’s going on with the Road Accident Fund?

NOMPU SIZIBA: The Road Accident Fund, or RAF, is often in the news for the wrong reasons. It’s often said to be insolvent and basically not able to perform its mandated function of financially assisting South Africans who’ve been adversely impacted in accidents on South Africa’s roads. And then there are stories of lawyers swindling the fund for all that they can get. So what is the reality?

Well, a study has been done by one Elad Smadja, who is an actuary. He has been looking at the real state of the RAF, and we’re going to speak to him now. He is the CEO of Taurus Capital. Thank you very much Elad, for joining us. Why was the Road Accident Fund specifically created by law and how is its operating model supposed to work?

ELAD SMADJA: Thank you very much. The RAF is a unique creature. It’s often portrayed as another SOE, a state-owned enterprise, to go with Transnet, Eskom, SAA and so on – which have all become hot topics.

The Road Accident Fund is very different in its nature. It’s not an entity that was created to make profits, to create jobs for the shareholders, being the sovereign and the state. It was created to fulfil a constitutional mandate, which is to make sure that claimants of road accidents are covered and have protection in the event that they are damaged, and they don’t have to go out and sue the person who caused those damages. It’s in a sense very similar to a grant programme in that regard. Its mandate is to pay claims. When it’s portrayed in the news that this is an entity that’s got massive expenses – well, that’s what its purpose is. Its purpose is to pay these claims. And that it does.

NOMPU SIZIBA: There’s been a lot of talk that the Road Accident Fund is not fit for purpose. What do you think would happen if the fund were to be removed altogether?

ELAD SMADJA: There was a recent court judgment, and it’s made quite clear in those papers what the state of affairs would be. Basically, if I were to drive into the back of a car, whether accidentally or on purpose, and cause damage to that individual, I would be personally liable. They could sue me for damages, for loss of future income – and you can imagine those numbers can be staggering. A typical claim can run into millions of rands. And so I’d be pretty nervous to get into my car every morning if that was the reality on the ground. And so the RAF acts as this insurer across our society, making sure that we’re not out there suing each other every day; we’ve got a recourse against the fund. So that’s the world without the RAF. It’s quite a scary reality.

NOMPU SIZIBA: There’s often talk about the RAF essentially being broke or insolvent. Does your research back up these perceptions?

ELAD SMADJA: Insolvency is an interesting measure. Insolvency looks at assets versus liabilities, and obviously if the liabilities are greater than the assets, that’s technical insolvency.

The RAF runs a very different operating model. The way that the RAF is funded is, as we know, through the fuel levies, and it’s never set up to hold assets to back those liabilities, which are its future claims. And so that measure of assets-versus-liabilities is a little bit misleading because it was never set up to hold the assets.

Its funding model is more a pay-as-you-go type scheme, where every month there are revenues coming from those fuel levies, which then go out to pay claims.

Without going into all the maths now, according to my study there are sufficient revenues coming in every month from the fuel levy, especially if the fund can do the work which it’s trying to do, which is to bring in efficiencies and lower its overheads and operating cost model.

And yes, as long as those fuel levies remain and there are no major shocks to the system – like Covid, where we didn’t see traffic on our roads for three months – the model actually does work.

NOMPU SIZIBA: Maybe it works, but there is the real problem, as I mentioned in my introduction, as apparently some lawyers make it their business to screw the fund and not conduct themselves properly. Is there the capacity in the RAF to ensure that people don’t pull the wool over its eyes?

ELAD SMADJA: There are two bunches of lawyers which you’re referring to. One is the defendant lawyers. The fund has made a decision to no longer use outsourced lawyers. You’ll remember last year there was quite a debacle around that. But that’s basically [in place]. It has freed up R10 billion a year in savings.

The fund has moved now to an operating model which hopefully is a lot more sustainable, which is: let’s not litigate every single matter until conclusion, let’s opt for a mediation and the settlement approach, because these matters on the whole are generally quite predictable. I think the merits and the quantums – there’ve been enough of these cases over the last 10, 20, 30 years that where they end up is pretty predictable upfront. And then we will use the court system and the judicial system where a case is obviously more complicated and requires more in-depth analysis and law. That’s one side of it, and it seems to be working quite well.

There are then the plaintiff lawyers. It’s quite difficult for them to screw the funders, as you say. They take a 25% contingency fee, and we can debate whether that’s too high or too low. But that is mandated by law, and that is what it is.

And then there are, obviously, the rotten eggs which will then dip into their trust accounts and roll the clients over.  That is very unfortunate, obviously, but for that there is a Fidelity Fund in the Legal Practice Council, which is there to protect claimants and ultimately provide them insurance guarantee against trust monies which are misappropriated.

NOMPU SIZIBA: So in essence, Elad, what you’re saying is that you think that the operating model has improved and you think, in principle, it’s a good thing. It was established to help South Africans who get into difficulties on the roads and so on. But what challenges do you think lie ahead for the fund?

ELAD SMADJA: I think that’s right. I’m not saying it’s a perfect model in any way, but I’m just struggling to reconcile what I see in the press every day versus the reality that we’re seeing in our business. At Taurus Capital, our business, we fund attorneys and we provide funding also for RAF claimants. We’ve over 120/130 attorneys whom we work with, and 400-odd claimants at any point in time. So we’ve got quite a breadth in terms of what the market looks like. We obviously see how these claims are or are not being paid. So the reality is that, since about September, October last year [things have] vastly improved. I think claimants and attorneys on the ground will testify to that.

Yes, there are challenges. There are challenges in our society. There are challenges around the underlying peril, which is road accidents. The carnage on our roads in South Africa is way out of proportion with other countries in the world. So there’s work to be done at a societal level, at a funding level, at an administrative level, and things to be written off. I don’t get to that conclusion.

NOMPU SIZIBA: Elad, we are going to leave it there. Thank you so much for your insights. Elad Smadja is the CEO at Taurus Capital.

RAF ruling victory for road accident victims, says Mbalula

RAF ruling victory for road accident victims, says Mbalula

The Pretoria high court on Friday ruled on the suspension of warrants of execution and attachments against the RAF.

Transport Minister Fikile Mbalula has welcomed a court ruling in the battle between the cash-strapped Road Accident Fund (RAF) and lawyers across the country.

The Pretoria high court on Friday ruled on the suspension of warrants of execution and attachments against the RAF.

A total of 17 respondents, mostly law firms and sheriffs, were fighting for the right of the public who had made successful claims from the fund to be paid within a reasonable time.

In a statement on Monday, the Mbalula said the judgement was a step in the right direction in the government’s efforts to ensure victims of accidents on the roads continue to benefit from the social security net the RAF provides.

In handing down its judgment, the court ruled that among others:

  • All writs of execution and attachments against the RAF based on court orders already granted or settlements already reached in terms of the Road Accident Fund Act, 56 of 1996 are suspended until 30 April 2021.
  • Those not older than 180 days as from the date of the court order or date of the settlement reached, are suspended from 1 May 2021 until 12 September 2021.

“This is an important step in placing the RAF on a sustainable path and ensure it is able to provide much-needed relief to those who need such relief as a consequence of the position they find themselves in due to road accidents,” Mbalula said.

It also gives impetus to our interventions, which started with the appointment of a new board in 2019, followed by the appointment of a CEO in 2020, who will then drive the implementation of a new operating model for RAF.

He said the dire financial situation of the RAF, exacerbated by the disruptive effects of the Covid-19 pandemic, requires creative ways to ensure taxpayers receive value on the investment they make through the fuel levy, without the government abdicating its responsibility to provide a social security net to those affected by road accidents.

TQ Group announces partnership with Legacy Africa Capital Partners

TQ Group announces partnership with Legacy Africa Capital Partners

Tech-driven marketing solutions agency TQ Group has announced its partnership with fund managers Legacy Africa Capital Partners, a part of Legacy Africa Fund Managers. The partnership will augment TQ’s illustrious track record as communications custodians, renowned for delivering innovative tailor-made solutions to their clients.
New BEE Partners Legacy Africa Capital Partners contribute a wealth of experience from the financial sector. Just like TQ Group, Legacy Africa are distinguished by their ethos that supports socio-economic transformation, especially within the investment and fund management environment in which they operate.

TQ Group CEO, Elbé Smith, says that the aligned values of TQ Group and Legacy Africa signals a partnership that will further enhance ROI for clients and squarely position TQ to be Africa’s leader in content creation and scheduling for corporate digital screen networks. As it stands, TQ Group designed and manages one of the largest privately owned screen networks in the world.

“I have no doubt that our partnership with Legacy Africa will drive TQ to even greater heights, positioning us as leading creative communication solution engineers. The merge fortifies our position as top-tier providers of strategic communications and content creation services, harnessing the latest technologies for high-impact, cost-effective content management and on-air scheduling,” she said.

TQ Group has a solid reputation as storytellers with a knack for tech and offers targeted solutions to marketing problems, utilising innovative data science, trend analyses and customer insights to deliver distinctive business intelligence, and inform optimally calibrated communication strategies to their clients, which range from start-ups to multi-nationals.

Legacy Africa’s founder Godwin Sepeng added: “We have utmost faith that this coalition will prove a win-win for our businesses. Over the years, TQ have proved their mettle by consistently providing compelling professional multimedia communications solutions across organisations for both the state and the private sector. We are thrilled to join forces with the group that pioneered unique Audience Analytics product offerings in Africa.”

TQ Group’s six-step methodology to identify and implement the correct solution for its clients ensures that strategic organisational objectives are met, and that ROI is analysed, measured and maximised. This approach underpins TQ’s unique full-service product offering, which combines analytical problem-solving with the delivery of ingenious creative solutions.

“We are excited about this new partnership and believe that it will foster the creative and analytical capacity, which has traditionally been a cornerstone of our work, and that underlies our core ethos of ‘total quality’. We believe that our newfound collaboration will enable us to provide our exceptional services across the continent of Africa,” concludes Smith.

About TQ Group

TQ Group is a tech-led communications agency delivering end-to-end strategic communications solutions to drive measurable business growth for clients.

TQ has a client base across Africa and boasts in-house technical, creative and research expertise. TQ’s offering includes tech and creative content across a range of platforms and formats, including:

  • Digital networks: for corporate communications; business operations; training; customer interface; and marketing.
  • Creative content development and production: including motion graphic design; videography; live studio production; long form; corporate videos; and training materials.
  • Digital signage: for financial, retail, health and education organisations.
  • Content management and scheduling including location-specific content across various languages.

TQ is an industry leader in on-air scheduling and content production for digital networks.

Clients include Standard Bank; Road Accident Fund; Transnet Ports Authority; African Bank

RAF given five months to pay out any claims

RAF given five months to pay out any claims

JOHANNESBURG – The Road Accident Fund now has just over five months to pay out any claims.

The High Court in Pretoria has also instructed the RAF to pay out any claims already granted that are older than 180-days or in which a settlement was reached.

The deadline for this is the end of April.

The fund needs to ensure court orders or written settlement agreements for claims are registered on the its payment list within 30 business days.

The RAF’s recent annual financial statement ending March 2020 indicates it has accumulated a deficit of R322-billion.

Its total liabilities exceeded its assets by over R300-billion.

5 important things happening in South Africa today

5 important things happening in South Africa today

Here’s what is happening in and affecting South Africa today:

Coronavirus: Global Covid-19 infections have hit 137.3 million confirmed, with the death toll reaching 2.96 million. In South Africa, there have been 655 new cases, taking the total reported to 1,559,113. Deaths have reached 53,356 (a daily increase of 34), while recoveries have climbed to 1,484,356, leaving the country with a balance of 21,401 active cases. The total number of vaccines administered is 289,787.

Collapse: Civil group Outa says that government has completely lost control of the Road Accident Fund, which is R300 billion in debt and reportedly on the brink of collapse. The group noted that the fund has grown from R9 billion a year to R45 billion a year, and is being plundered by unscrupulous lawyers and officials that enable them – all while taxpayers keep footing the bill. If the fund collapses, motorists will be left to fend for themselves in accidents and many will never receive compensation. [702]

Risk: South Africans will be taking on certain risks when procuring power from so-called ‘power ships’, the Department of Energy has warned. Among other things, fluctuations in the international price of liquefied natural gas (LNG) and the dollar/rand exchange rate will be passed on to consumers, while things like carbon taxes and environmental levies will also be factored into the end-price. This should raise some red flags, as government is entering into a 20-year agreement with the ships, which would be difficult to renegotiate once sealed. [Moneyweb]

Illicit: A new Ipsos survey shows that the sale of illicit cigarettes in South Africa have spiked following an 8% increase in taxes on tobacco products, with even more worrying findings about retailers carrying these illegal products. The survey found that 74% of retailers are selling illicit brands, for far less than the minimum taxable amount. Tobacco producers say they are outraged by the findings. The results follow tobacco bans under lockdown in 2020, where groups warned that the result would be consumers looking for black market alternatives. [Fin24]

Delinquent: Delinquent director, Dudu Myeni, has lost one of two appeals she lodged with Supreme Court of Appeal to try and reverse being labelled a delinquent director for life. The dismissed appeal related to the delinquency order itself, while an enforcement order is still to be heard. If both appeals fail, she will likely head to the Constitutional Court next. Myeni, who is strongly tied to former president Jacob Zuma, was declared a delinquent director over abuse of power, maladministration, dishonesty and interference during her time as SAA chair. [Daily Maverick]

Markets: US earnings season is underway, with markets keeping a close eye on the performance of US organisations as that country continues to claw its way to a recovery. Locally the loan guarantee scheme, that forms part of the Covid-19 relief package, has been extended by three months in an effort to continue supporting the locally driven recovery. Trade from China outperformed expectations, while we will look towards UK GDP, as well as local gold and mining production numbers later today. US CPI will be carefully watched this afternoon. The rand remains steady but on the front foot, trading at R14.56/$, R17.33/€ and R20.01/£. [Citadel Global]

High Court ruling provides relief for RAF

High Court ruling provides relief for RAF

Transport Minister Fikile Mbalula has welcomed the Pretoria High Court judgment suspending warrants of execution and attachments against the Road Accident Fund (RAF).

In a statement on Monday, the Minister said the judgment is a step in the right direction in government’s efforts to ensure that those who fall victim to accidents on the roads continue to benefit from the social security net RAF provides.

On Friday, the court ruled in favour of the RAF, granting suspension of warrants of execution and attachments, whether writs and attachments.

In handing down its judgment, the court ruled that, amongst others:

  • All writs of execution and attachments against the RAF based on court orders already granted or settlements already reached in terms of the Road Accident Fund Act, 56 of 1996 are suspended until 30 April 2021.
  • Those that are not older than 180 days as from the date of the court order or date of the settlement reached, are suspended from 1 May 2021 until 12 September 2021.

“This is an important step in placing the RAF on a sustainable path and ensure that it is able to provide the much-needed relief, to those who need such relief as a consequence of the position they find themselves in due to road accidents.

“It also gives impetus to our interventions, which started with the appointment of a new board in 2019, followed by the appointment of a CEO in 2020, who will then drive the implementation of a new operating model for RAF,” the Minister said.

He said the dire financial situation of the RAF, exacerbated by the disruptive effect of the Covid-19 pandemic, requires creative ways to ensure the taxpayer receives the value on the investment it makes through the fuel levy, without government abdicating the responsibility to provide a social security net to those affected by road accidents.

“We are confident that this judgment enables us to implement those measures in a sustainable way,” the Minister said.

South Africa: Fundamental Reform of the Road Accident Fund Is Urgently Needed

South Africa: Fundamental Reform of the Road Accident Fund Is Urgently Needed

The saying that “a picture is worth 1,000 words” must be tweaked to “a meme is worth 1,000 words”. I recently received a meme from an acquaintance that, as a social protection expert, motorist and, most importantly, a taxpayer, got me thinking. It was a picture of a man’s hand opening a lid of a potjie on a fire with a R100 note. It is captioned: “Your boyfriend at a family gathering after receiving Road Accident Fund money.”

As far-fetched as this may seem, such a phenomenon is plausible. For their benefit, doubting Thomases are kindly invited to watch the television show, I Blew It, which shares heart-wrenching stories about people in South Africa who received a monetary windfall and squandered it. Although there are odd cases of those who received inheritances, particularly death benefits and lottery winnings, the vast majority of the stories are about those who had Road Accident Fund (RAF) compensation.

The stories are invariably told by those who received the compensation, their families and friends. Each episode starts by introducing the person who became rich overnight, how they lived a lavish lifestyle following compensation, when they realised that they were running out of money, and the habitual conclusion of regret.

As the RAF system stands, the compensation paid is normally wasted on booze, fancy clothes, cars, impromptu holiday jaunts and everything that conjures up “a good time” in general. Some of the people who have cashed in from the RAF do outrageous things with the windfall. For instance, one of the beneficiaries described on I Blew It how he used to wash his hands with cognac after feasting on grilled meat. He further bragged about how, in a moment of excitement, he burnt R10,000. Destroying a wad of banknotes is not only madness, but is also a criminal offence, in terms of Section 34(1)(f) of the South African Reserve Bank Act 90 of 1989.

The phrase about an unwise person and wealth essentially being an incompatible combination is traceable to Proverbs 21:20 of the Bible (King James Version) which states that: “There is [a] treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.” Furthermore, the expression “a fool and his money are soon parted” was often repeated by Thomas Tusser, an English poet and farmer, in his poem Five Hundred Points of Good Husbandry, published in 1557.

The association of foolishness, money that invariably evaporates, and the RAF compensation does and should not be interpreted as implying that all RAF payments end up being misspent. There are indeed cases where the money is prudently used to help the victims of road accidents to cope with social risks such as sickness, invalidity and unemployment. It should be recalled that the RAF is a statutory fund established to provide “payment of compensation… for loss or damage wrongfully caused by the driving of motor vehicles”.

The victims of road accidents can claim compensation for emergency medical treatment, non-emergency medical treatment, future medical expenses, past or future loss of income, past or future loss of support, funeral expenses and non-pecuniary loss (such as general damages for pain and suffering). Survivors of a deceased victim or victims of a road accident can claim compensation for the loss of support. The compensation provided by the RAF to road crash victims is financed largely from the RAF levy of R2.07 per litre of fuel purchased. More than R40-billion is collected annually.

Despite having a regular source of funding, the RAF is struggling financially. To be blunt, it is technically insolvent. Efforts have been made to replace the current system that has been branded as “unworkable, unsustainable and corrupt” with a no-fault based scheme, where compensation would be disbursed monthly to the road accident victims, called the Road Accident Benefit Scheme. Regrettably, the bill that was meant to introduce the scheme in South Africa was rejected by the National Assembly on 3 September 2020. It was, among other reasons, criticised for being out of touch with the realities on the ground, particularly when it came to the urban and rural poor.

Notwithstanding the rejection of the Road Accident Benefit Scheme Bill, it is abundantly clear that something is fundamentally wrong with the system and that something has to be done. It is indeed untenable that the payment meant to support victims of road accidents to cope with, for example, past and/or future loss of income and medical expenses is recklessly spent — overnight. Such beneficiaries invariably end up relying on the tax-financed social assistance benefits such as the disability grant and old-age grant. It is important that victims of road accidents are adequately informed about the purpose of the compensation.

Second, to minimise the abuse and subsequent destitution, compensation must be provided as a monthly benefit to the victims or survivors. A friend recently quipped that perhaps there should be a Fourth Industrial Revolution technology like Siri that detects and guides RAF beneficiaries each time they misspend money. As pointed out by Sir James Paul McCartney, “that would be something. It really would be something”.

When all is said and done, it will take willpower to introduce such a system. The truth of the matter is that there are many interested parties (such as legal practitioners and health professionals) who, apart from the victims and survivors, handsomely benefit from the RAF system.

It is a given that reconstituting the RAF in a manner that significantly reduces the involvement of or effectively takes such parties out of the compensation-for-road-accidents picture, will meet fierce resistance. However, attempts to improve the system should be informed by the need to provide a safety net to road accident victims and not the bottom line of those who make a living by rendering professional services to the victims.

Policymakers must protect myopic road accident victims or survivors, even if it means protecting them against themselves. South Africa is urgently in need of a redesigned system that is sustainable and effective. Until it is introduced, I Blew It is guaranteed a steady supply of depressing tales by those who almost had it all due to road accidents. To the road users who finance the RAF and taxpayers, the dismay and disgust that you feel are surely guaranteed to continue unabated.