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Phone
+27 12 432 6293
Email Address
mthokozisi.maphumulo@adams.africa
Location
4 Daventry Road, Pretoria, South Africa

Mtho Maphumulo

About me

Mtho Maphumulo graduated at UKZN with several distinctions, academic awards and Dean’s Commendation. During this period, he served active leadership roles in many student organisations, including the Black Lawyers Association Student Chapter, Students for Law and Social Justice. Upon completion of his LLB degree, he joined Adams & Adams wherein he served his 2 years of articles.

Mtho Maphumulo is a senior associate in the insurance and personal injury departments. Mtho has enjoyed incredible success in assisting clients with cases relating to the aforesaid areas of speciality. These are the areas in which he enjoys a great reputation which is evidenced by his several media engagements. An avid legal writer, Mtho’s work has been published in many publications both nationally and internationally including, inter alia, Without Prejudice, Lexology, BusinessBrief, GoLegal, Risk Alert Bulletin, The Star; Pretoria News; The Cape Argus; The Daily News, a Compile of Legal Sources by European Centre for Security Studies, etc. In addition, Mtho is also a frequent contributor and commentator on a variety of legal issues on various radio stations and television. Mtho conducted several media interviews at the height of adversity resulting from Covid-19, the 2021 July civil unrest, and the 2022 KZN floods. Further to these, he is regularly invited to deliver talks and lead discussions around insurance and personal injury issues.

Insurance practice
Mtho is one of the co-founders of the Business Insurance Repudiation Department in the firm. Mtho handles a wide range of insurance cases including among others – providing advice to corporates and individuals on repudiated insurance claims; investigating and litigating on insurance matters; defending corporates that are sued for insurance related matters.

Mtho further acts for insurance brokers, agency firms/companies, financial institutions, and several other intermediaries. In this regard, Mtho also assists clients with lodgement of referrals and complaints to the Financial Services Providers Ombudsman Office (FAIS complaints); submissions to the Short Term Insurance Ombudsman Office, etc.

Mtho’s practice provides a broad spectrum of services including, inter alia, short- and long-term insurance services; third party recoveries; liability and risk assessment before and/or during litigation, facilitating amicable dispute resolution, instituting or defending civil claims stemming from professional and personal liability.

Personal & 3rd party practice
Mtho also specialises in personal injury related matters, which includes, inter alia, Road Accident Fund, aviation, product liability, medical negligence, slip and fall, wrongful arrest, professional indemnity and related matters.

Further, Mtho specialises in claims against PRASA/Metrorail.

Read More
  • Insurance dispute resolution and litigation
  • Insurance intermediary dispute resolution and litigation
  • Professional Indemnity disputes
  • Personal Injury claims
  • Road Accident Fund
  • Aviation claims
  • Product liability claims
  • Medical negligence
  • Slip and fall
  • Wrongful arrest & unlawful detention

Academic Record

  • Certificate in Medical Law (First Class, A+) – L.E.A.D | 2018
  • LLB – University of KwaZulu-Natal, Howard College | 2015

Qualifications

  • Admitted Attorney | 2018 (with the Rights of Appearance in the High Court)

Credentials

  • Legal Practice Council (LPC) – Member
  • Gauteng Attorneys Association (GAA) – Member
  • Pretoria Attorneys Association (PAA) – Member

Mtho Maphumulo News & Podcasts

Insurance-related Legalities and Considerations as Hailstorms Wreak Havoc

Large parts of Johannesburg and Mpumalanga were hit by a severe hailstorm on Monday, 13 November 202...

WHY SHOULD YOU REPORT A POTENTIAL INSURANCE CLAIM AS EARLY AS POSSIBLE?

Insurance claims can be repudiated for many varying reasons – from the most obvious to the least e...

SPRING TIDE/STORM SURGE IN THE COAST: LIKELY IMPACT ON INSURANCE POLICIES

The news that dominated the headlines this past weekend, 15 – 17 September 2023, was the storm sur...

Legalities Around Household Contents Insurance: Prevalent Problems & Possible Solutions

During the course of last year, 2022, there were various media reports that there has been a signifi...

Late filing of reconsideration applications – Condonation applications in the Financial Services Tribunal

Introduction: It is not uncommon for financial services representatives (“the representatives”) ...

CRITICAL FACTORS FOR CONSIDERATION BY FINANCIAL SERVICES’ REPRESENTATIVES & KEY INDIVIDUALS WHEN CHALLENGING A DEBARMENT DECISION

Introduction: It is often said that South Africa’s financial sector is one of the most highly regu...

RISE IN UNNATURAL DEATHS’ INSURANCE CLAIMS: HOW DO LIFE POLICIES AND THESE CLAIMS WORK?

There have been reports regarding the rise of non-indemnity claims stemming from unnatural deaths. T...

Truck Arson on the Rise Again: What This Means for the Insurance Industry?

The past few weeks have been engulfed with flames of truck arson attacks in South Africa. Over 20 tr...

MiWAY NOT GETTING ITS WAY IN A CAR THEFT CASE: VICTORY FOR THE INSUREDS

INTRODUCTION The North Gauteng High Court recently handed down a judgment which will undoubtedly gai...

Is Failure to Adhere to Insurance Policy Conditions Always Problematic

Introduction It is almost impossible to think of an insurance policy that does not have any conditio...

MISSING TITANIC SUBMARINE BRINGS UP QUESTIONS OF PRESUMPTION OF DEATH AND NON-INDEMNITY INSURANCE POLICIES

For the past few days, the international news has been dominated by the missing Titanic submarine. S...

Benefitting from an Insurance Policy in which you are not a Party

Insurance contracts are sometimes referred to as reciprocal contracts because they usually involve b...

Does a duty to disclose to your insurer cease? If so, when?

The parties to an insurance contract all have a legal duty to disclose. All the material information...

Grave Risks for Lawyers Relying on ChatGPT!

Development, growth, and advancement of artificial intelligence (AI) is progressing at a rapid speed...

RISKS FOR FINANCIAL SERVICE PROVIDERS OFFERING PROFESSIONAL ADVICE BEYOND THEIR EXPERTISE

It is not uncommon for people, investors and businesses to suffer financial losses as a result of su...

SHORT-TERM INSURANCE CLAIM APPROVED BUT DISSATISFIED WITH THE PAY OUT? HERE IS SOMETHING TO CONSIDER

It is not unusual to have insurance claims approved but payouts being underwhelmingly low and/or slo...

ANOTHER VICTORY FOR THE INSUREDS IN A COVID-19 BUSINESS INTERRUPTION CASE

Many would have thought that all Covid-19 business interruption cases are long finalised. This is no...

National Shutdown events and business insurance matters

The National Shutdown of 20 March 2023 saw many businesses and institutions close down in fear of vi...

WHAT IS THE LEGAL POSITION REGARDING INSURANCE CLAIMS THAT TAKE LONG TO FINALISE?

It is not unusual for many insureds to complain about unexplained delays in their insurance claims. ...

Insurance law amid ongoing flooding

Introduction: South Africa has been experiencing a heavy downfall for a couple of weeks now, which h...

INSURANCE LAW: NO MORE COVER FOR ELECTRICTY GRID FAILURE?

South Africa is suffering from the worst loadshedding ever implemented. This is causing significant ...

POSSIBLE LEGAL CONSEQUENCES OF WILD ANIMALS ROAMING AROUND THE STREET

Within the first month of the new year, there have been 2 (TWO) tigers reported to have escaped from...

JANU -WORRY FINANCIAL CONSTRAINTS & INSURANCE POLICIES

For most households, the first few months of the year are the most financially demanding and, as a r...

INSURANCE LAW: INSURANCE POLICIES TO LOOKOUT FOR DURING THE FESTIVE SEASON

The festive season is upon us, and everyone is eagerly looking forward to their much-needed break. I...

FESTIVE ACCIDENTS & RAF CLAIMS: NOT EVERY ROAD ACCIDENT LOSS CAN BE RECOVERED FROM THE RAF

It is that time of the year where there is ordinarily a worrying rise in motor vehicle accidents. As...

ZURICH INSURANCE COMPANY ‘HIT BY ROCK MASS’ IN THE GAUTRAIN TUNNEL

The Supreme Court of Appeal (“the SCA” hereinafter) recently delivered a judgement in a matter i...

Impact Of Loadshedding On Medical Negligence Cases

Introduction Eskom, the country’s only public power utility, is seriously battling to meet the ele...

HOME & HOUSE CONTENTS INSURANCE CLAIMS AMID ENDLESS LOADSHEDDING

South Africa’s energy crisis seems to be getting worse by the day, and there is no end in sight. E...

Claiming under a life Insurance policy where the deceased body is missing

Introduction: The major events of recent years, particularly in South Africa, including the 2021 Jul...

PRICE TO PAY IN THE KING PRICE CASE

PRICE TO PAY IN THE KING PRICE CASE: FAILURE TO COMPLY WITH YOUR INSURER’S REQUESTS!! INTRODUCTION...

LEGAL DUTY OF CARE OWED BY TAVERNS TO CUSTOMERS

Most taverns are notoriously known for their unsafety and violent activities. Serious assaults, bar ...

INSURANCE LAW: SIGNIFICANCE OF FIRE INSURANCE AS WINTER WILDFIRES LIKELY TO BREAKOUT

As if there have not been enough fires in the country for 2022, there is an expected rise in wildfir...

DELICTUAL LIABILITY FOR SPORTS’ INJURIES AND FATALITIES

Delictual claims ordinarily dominate our courts. This is evident from the annual statistics relating...

LITIGATION: HOW LAWS OF EVIDENCE CAN DECIDE THE OUTCOME OF THE CASE?

Within the legal profession, it is ordinarily said that “if the facts are unfavorable to you, argu...

HEAVY RAINS & FLOODS: WHAT IT MEANS FOR THE INSURANCE INDUSTRY?

Weather conditions of any sort have direct effect on the insurance industry. The severity thereof is...

TEACHER – PUPIL RELATIONSHIP: WHAT ARE THE LEGAL PARAMETERS

The teacher – pupil relationship is not a topic that is adequately explored and discussed amongst ...

A REFLECTION ON 2021 INSURANCE LAW MAJOR OCCURENCES

The past few years have tested the resilience and strength of insurers to the greatest magnitude. Th...

The Country Engulfed in Flames & Smoke - What it Means for Insurers and Insured Businesses?

It is fast becoming a normality to wake up to the reports of fire break outs in South Africa. Since ...

Bullying in Schools - What Does the Law Say?

As schools reopen, a concerning issue for many parents is bullying. This is justifiable, particularl...

Festive Season Car Crashes: Who Can Claim From the RAF?

We have seen over the years that the number of accidents considerably increase. This is evident from...

Child Kidnapping Gains Momentum

Year 2021 seems to be ending in a negative manner for South Africa, as the kidnapping of school-goin...

Loadshedding Likely to Trigger Business Insurance Litigation

The ongoing persistence of loadshedding is causing havoc for households and businesses alike. As if ...

Holding Insurance Brokers Legally Responsible for a Repudiated Insurance Claim

INTRODUCTION Businesses always strive to have sufficient insurance cover for all and any possible pe...

Children Consenting Age to Medical Treatment

INTRODUCTION The government’s efforts to drive the vaccination program towards herd immunity are s...

Business Insurance Repudiation - Free Consultation

The events of the past two years, from the COVID-19 pandemic to the recent riots, have underlined th...

Road Accident Fund Lawyer: When Do I Need One?

It is not mandatory for an individual to appoint a road accident fund lawyer, however, it is advisab...

Ministry of Defence & Military Veterans Sued Yet Again for Another Brutality and Assault Incident

Shortly after the implementation of the lockdown restrictions early last year, there were several re...

Looming String of Civil Action Against the Municipality Amid the Human Rights Commission’s Report on Vaal River?

The South African Human Rights Commission (“SAHRC”) has released its final report regarding the ...

Festive Road Crashes: A Brief Description of the Compensation Process

It is a known fact that the festive period comes with an increase in the number of road accidents. T...

Dog Bite Court Cases Gaining Momentum: General Legalities

Dogs, just like other domesticated animals, are an important part of most families – for affection...

Landmark judgement against the Road Accident Fund

On 22 June 2020, the Supreme Court of Appeal not only delivered an interesting judgement for the leg...

PRASA Non-Resumption of Operations: Legal Fundamentals Not to Be Disregarded

Since the commencement of the nation-wide lockdown, PRASA ceased all its operations. The country is ...

Turmoil Over Schools’ Continued Closure: Legal & Public Policy Considerations

The coronavirus outbreak saw many countries around the world going into a lockdown to combat the spr...

Constitutional Damages gains traction as public service delivery dwindles

The discussions surrounding the phenomenon of constitutional damages has been gaining momentum in th...

Annual events, annual accidents? What victims need to know

Often road accident victims, or their relatives, are unaware of what legal remedies are in place and...