Sunday, May 31

Zifa Tell Moses Chunga You Are Not Qualified To Coach Telone

ZIFA have blocked Moses “Bambo” Chunga from securing a job with Premiership side TelOne saying he doesn’t possess a Caf A licence.
They also claim he doesn’t qualify for an exemption, which is given to coaches who do not have the badge, even though he is a former league championship winner.
While Zifa technical director, Wilson Mutekede, made the ruling, it’s ironic that Dutch coach Erol Akbay, who doesn’t have a Caf A licence, was given the greenlight to take charge of Ngezi Platinum Stars.

Englishman Mark Harrison, who also didn’t have a Caf A licence, was allowed to coach Harare City for more than a year.

Shockingly, the Zifa decision to bar Chunga, a former Warriors’ captain, comes just a few days after they handed the national team head coach job to Joey Antipas.

The Chicken Inn coach also doesn’t have a Caf A licence.

Yesterday, TelOne club president, Lloyd Mtetwa, confirmed they had shortlisted Chunga for the job.
“He was among the candidates we were considering for the head coach post. We had not given him the job but, as part of our due diligence and screening process, we checked with Zifa, particularly issues around the club licensing,”said Mtetwa.

“And, it is during that process that we learnt that he has no Caf A or an exemption from Zifa.”

Both Zifa spokesperson Xolisani Gwesela and Mutekede said Chunga did not apply for exemption.

“He should apply for exemption and we haven’t received any letter from Chunga,” said Gwesela.

Mutekede said Antipas and Chidzambwa were exempted by a Technical Committee which was in charge before he assumed office.

“What happens in terms of exemption is that you write a letter to the Technical Development Committee, which is headed by Brighton Malandule.

“A committee sat way back before I joined Zifa, and resolved to have these exemptions of Antipas and Mhofu.

“So, every coach writes a letter for exemption citing his qualifications and reasons for exemption,” said Mutekede.

Yesterday, Chunga whose last league stint was at the end of 2016 season with Harare City, refused to comment on the matter.

However, it is the manner in which Zifa operate, applying selective rules to certain individuals, which exposes the association which should cater for all the stakeholders.

Zifa have received a lot stick regarding their enforcement of the Caf A licence in the top-flight this season.

That the association cannot even support a former Warriors’ captain and, instead, and prepared to provide a waiver for the likes of Akbay, shows Zifa do not value the input of those who played the game.
 

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Personal Injury Settlement: How Claims Are Valued and Negotiated

 

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Personal Injury Settlement: How Claims Are Valued and Negotiated

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Most personal injury cases settle before trial. But settlement value is not random.

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Insurance companies look at evidence, liability, medical treatment, lost wages, policy limits, injury severity, and legal risk. Injured people should understand what goes into a settlement before accepting an offer.

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A quick settlement may feel helpful, but it may not cover future medical care or long-term losses.

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What Is a Personal Injury Settlement?

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A settlement is an agreement to resolve a legal claim. The injured person usually receives compensation, and in exchange, signs a release giving up the right to pursue additional claims from the same incident.

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That release is serious. Once signed, the case is usually over.

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What Affects Settlement Value?

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1. Liability

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The stronger the evidence that the other party was at fault, the stronger the claim may be.

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Liability evidence may include:

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Police reports
rnPhotos
rnVideos
rnWitness statements
rnExpert analysis
rnCompany records
rnSafety violations

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2. Injury Severity

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More serious injuries often lead to higher damages.

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Examples include:

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Broken bones
rnSurgery
rnPermanent impairment
rnTraumatic brain injury
rnSpinal injury
rnSevere burns
rnLong-term disability

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3. Medical Bills

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Medical expenses are a major part of many claims.

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These may include:

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Emergency care
rnHospital bills
rnSurgery
rnPhysical therapy
rnMedication
rnSpecialist visits
rnFuture treatment
rnMedical equipment

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4. Lost Income

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If you missed work, lost overtime, used vacation time, or cannot return to the same job, wage losses matter.

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5. Pain and Suffering

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Pain and suffering may include physical pain, emotional distress, reduced quality of life, and loss of enjoyment.

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6. Insurance Coverage

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Even strong claims can be affected by available insurance limits.

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Why Insurance Companies Make Low Offers

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Insurance companies may offer less because they dispute:

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Fault
rnInjury severity
rnMedical necessity
rnTreatment length
rnPre-existing conditions
rnLost wage proof
rnFuture care needs
rnPain and suffering

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They may also hope you accept before knowing the full extent of your injuries.

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Should You Accept the First Settlement Offer?

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Usually, you should be careful.

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Before accepting, ask:

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Have I finished medical treatment?
rnDo I know my future medical needs?
rnHave lost wages been calculated?
rnAre all bills included?
rnDoes the offer cover pain and suffering?
rnWhat rights am I giving up?
rnAre there liens or medical bills to repay?

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A settlement should be reviewed carefully before signing.

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What Is a Demand Letter?

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A demand letter is a formal letter sent to the insurance company requesting settlement.

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It may include:

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Facts of the accident
rnLiability argument
rnMedical summary
rnMedical bills
rnLost wage calculation
rnPain and suffering explanation
rnSupporting documents
rnSettlement demand

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A strong demand letter is organized, evidence-based, and clear.

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How Long Does Settlement Take?

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Settlement timing depends on:

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Medical treatment length
rnInsurance investigation
rnLiability disputes
rnCase complexity
rnPolicy limits
rnNegotiation speed
rnWhether a lawsuit is filed
rnCourt schedule

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Cases with serious injuries often take longer because future damages must be evaluated.

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Medical Liens and Settlement

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Some medical providers, insurers, or government programs may have repayment rights from a settlement.

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Before spending settlement money, understand:

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Medical bills
rnHealth insurance liens
rnMedicare or Medicaid liens
rnWorkers’ compensation liens
rnAttorney fees
rnCase costs

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Final Thoughts

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A personal injury settlement should reflect the full impact of the injury, not just immediate bills.

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Before accepting any offer, make sure you understand your medical condition, future needs, lost income, liens, and legal rights.

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A personal injury lawyer can help evaluate whether a settlement offer is fair based on the evidence.

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