Ratio AI

South African short-term motor

Fault, agreed in writing. One net payment at month end.

Ratio AI is the workspace. AVA is the assessor inside it. Each party’s account is taken on its own, weighed against the road duties and the file, then settled between insurers.

Open the workspace See the four stages
How Ratio AI weighs a file A statute document and an inference server feed a reasoning graph, which drives a balance scale. The scale tips toward the third party at seventy percent against the insured at thirty. ACT 34 OF 1956 Apportionment of Damages AVA · INFERENCE INSURED · 30 THIRD PARTY · 70
Example only. Not a live file.
Stages
4gated, in order
Rests on
Act 34of 1956
Payments
1per insurer pair, monthly
Settlement
T+3after cut-off

Built on

  • Apportionment of Damages Act 34 of 1956
  • National Road Traffic Act 93 of 1996
  • Road Traffic Regulations 2000
  • Kruger v Coetzee 1966 (2) SA 428 (A)
  • RAF v Grobler 2007 (6) SA 230 (SCA)
  • SAIA inter-insurer framework
  • POPIA

Method

How a file moves

No opinion until the account is complete enough to test. People still sign.

  1. 01

    Information gathering

    Each party answers on their own file. Documents are chased until identification, narrative, evidence, and quantum are on record. AVA drafts the statement. She does not hint at fault.

    GateFour pillars on record. Completeness Index ≥ 60.

  2. 02

    Credibility

    Conflicting versions are read the way a court reads them: credibility, reliability, probabilities. That read can tilt the next stage. It is not a fraud finding.

    GateVersions reconciled. Evidence weighted: dashcam, telematics, witness, party.

  3. 03

    Apportionment

    AVA writes the opinion: a percentage split, the rand position for each insurer, the duties and cases it rests on. Insurers accept, counter, or send it to arbitration.

    GateBoth insurers countersign, or the file goes to SAIA arbitration.

  4. 04

    Monthly netting

    Agreed files between the same two insurers collapse into one net amount. One payment. Every line still traces back to an accident.

    GateCut-off last working day, 17:00 SAST. Paid T+3.

Stage three output

The opinion is a document, not a score.

Every percentage carries the duty it rests on, the case that fixes the test, and the rand position it produces for each insurer.

Apportionment opinion RA-2026-0417 · Example
Insured · DiscoveryThird party · Santam
Scenario
Uncontrolled intersection, failure to keep a proper lookout. Modifier: speed on approach.
Duties
RTR reg 308; NRTA s 59. Negligence test per Kruger v Coetzee.
Rand position
Santam recovers R 52 500 of R 75 000 from Discovery.
Confidence
0.82 · two sober witnesses, one dashcam.
Awaiting countersignature AcceptCounterArbitrate
Settlement statement May 2026 · Example

Discovery → Santam R 187 500 net of 5 agreed files

FileSplitOwesRand
RA-2026-041730 / 70Discovery52 500
RA-2026-042250 / 50Discovery41 000
RA-2026-043180 / 20Santam(18 000)
RA-2026-044025 / 75Discovery64 500
RA-2026-044640 / 60Discovery47 500
Cut-off 29 May, 17:00 SAST sha256 · 9f3a…c21e

Stage four output

One statement per pair of insurers.

Through the month, agreed files accrue by insurer pair. At cut-off the pair nets to a single figure, each line still pointing at its accident, each statement carrying its own audit hash.

Read the API reference

Non-negotiables

What never changes

Inside the workspace

AVA assesses. Ratio AI holds the file.

AVA is the assessor you talk to in the workspace. She runs the stage work once the gate on that stage has passed. Staff still open the file, correct a fact, and send the opinion.

Open a file. Let the facts set the split.

Open the workspace API docs