The Road Accident Fund (RAF) is a vital institution in a country in which road injuries and deaths are all too common and as many as 70% of cars are uninsured.

However, over the past few years the fund has been at the centre of a media storm, largely due to its financial state. While the RAF should undoubtedly be subjected to the same level of scrutiny as any other public institution, much of the commentary about it is misplaced. ..

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