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A Guide for Filing a Car Insurance Claim in the UAE

Written by Ahmed Shabbir

A Guide for Filing a Car Insurance Claim in the UAE

You can get a few minutes to read easy Steps to take after a car accident to submit and File a car insurance Claim in the UAE. Also, a minor roadway mishap may leave you with minor medical and vehicle repair service expenses. 

The good news is a car insurance policy is compulsory in the UAE and usually covers all these costs. Whether you pick comprehensive insurance coverage or a third-party car insurance policy plan, it can take a lot of stress off your mind. 

In case of an accident, you need to submit the insurance coverage claim and let the firm take care of the bills. This overview will certainly explain every little thing you need to understand about submitting a car insurance coverage case in the UAE. 

How to file car insurance claim in the UAE
How to file car insurance claim in the UAE

FAQ’s

How to claim car insurance after an accident?

Please follow the steps below to claim car insurance after an accident:

Step 1: Instantly Inform the Police at the time of the accident by calling, and meanwhile, you can examine the damages to your car.

Step 2: Notify your car insurer immediately

Step 3: Capture pictures of your damaged car

Step 4: Go through your car insurance policy before making a claim.

How to claim insurance for a car accident in Dubai?

You need to prepare all these documents to claim insurance for a car accident in Dubai:

  • A police report.
  • Car registration document.
  • Car modifying certificate (if there is any)
  • Driving license of both drivers.
  • Filled insurance claim forms 

What is the time limit for a car accident insurance claim?

Most car insurance policies in the UAE do not provide a strict deadline or window of time, say 30 days or 60 days, etc. Instead, you are usually required to make your claim “instantly” or “within a reasonable time.” 

Can we claim insurance for car dents?

Yes, you can claim insurance for dents, whether a fault is yours or by a third party, but it is advisable to claim your car insurance for the significant loss instead of minor dents.

How many car insurance claims per year in the UAE?

Car Insurance claims in the UAE have increased by more than 45% compared to the last year.

How to claim insurance for a car accident in Abu Dhabi?

You need to prepare all these documents to claim insurance for a car accident in Dubai:

  • A police report.
  • Car registration document.
  • Car modifying certificate (if there is any)
  • Driving license of both drivers.
  • Filled insurance claim forms 

A Quick Guide for To Do tasks after an Accident

Suppose a car is crashed on the side of the roadway, and the driver must inform police authorities quickly after the accident. There is no factor in criticizing the various events or entering a scuffle with another person after a road emergency. Keep calm and comply with action when you enter into a crash. You need to do the following things after you meet a car accident:

1. Contact the Police Instantly

You can not submit your car insurance coverage case in the UAE without a crash report provided by the police. Before you do anything else, speak to the police and report the accident. Take photos of your harmed car or bodily injury due to the mishap.

It sustains your insurance coverage case and also helps you get fair payment. The police will examine your automobile, the area of the accident, and the photographs.

After inspection, the authorities provide a red or environment-friendly form/paper to both the vehicle drivers. The red form is given to the driver at fault, and the environment-friendly form is offered to the influenced driver. These forms have the accident recap and contact information of both parties associated with the accident. 

Drivers in Dubai can also report minor accidents with the Dubai Police application, those in Sharjah can use the Rafid Accident reporting application to report minor accidents, and You can also use the Abu Dhabi Police app for this purpose. 

2. Call Your Car Insurance Company

After receiving the Police record, educate your car insurance company concerning the accident. To get your insurance coverage claim processed successfully and swiftly, share all the incident information with your car insurance policy service provider. 

Things to Avoid after a car accident

Here is a listing of things one must never do after a vehicle accident. 

  • Not Calling the Emirates Police
  • Escaping from the car accident scene
  • Losing your temperament
  • Do not get Police Report
  • Not Speaking with the car insurance claim provider instantly

What are the requirements for filing a car insurance claim?

You need to prepare all these documents for filing a car insurance coverage claim in the UAE: 

  • A police report 
  • Car Registration Certificate
  • Automobile modifying certificate (if there is any kind), including Driving license of both chauffeurs. 
  • Filled up insurance policy claim forms by both parties

Keep in mind that studying your car insurance plan entirely is very important. Both car drivers can obtain an insurance claim from the insurance company.

When the driver has a clear concept of the terms, kind of coverage, advantages, and exclusions, they are qualified to work out the wanted settlement quantity with the insurance company agent ends up being simple. Not knowing what your insurance policy covers can be a significant source of tension. 

What is the best time to file a car insurance claim in the UAE?

You can file a car insurance claim in the UAE under the following scenarios: 

Personal Injury

If there is a physical injury you came across as a result of the crash, you should intimate your insurance policy service providers quickly. It is advised that you assess the total damage in light of your auto insurance plan when filing a car insurance claim. Please note that you only file an insurance claim if your auto insurance policy covers collisions or crashes. 

Car Damage

You will be compensated if the various other celebrations damaged your car with a third-party liability cover. On the other hand, if you are at fault, you can only be made up if you use comprehensive car insurance coverage.

A Comprehensive insurance policy plans protect both the plaintiff and the driver liable, and it additionally covers damage caused to your automobile because of natural catastrophes. Here is an in-depth guide on the distinction between a third-party and a comprehensive car insurance policy. 

What happens when the insurer proceeds with the car insurance claim?

A tree trunk falls over a car and may harms the window, or you meet a car accident with another car. A Comprehensive car insurance covers problems triggered by all-natural disasters as well, as per written in the insurance policy document. Follow these actions to file a claim and identify precisely how the insurance claim works:

  • File a car insurance policy claim by sending vital files consisting of an original copy of the authorities’ report and the car registration certificate. 
  • After the insurance company offers a go-ahead for repair work, take your car to the accredited dealer/garage for an estimate. 
  • The dealer/garage will evaluate the damages and report the repair service expense to the insurance company. 
  • Once authorized by the insurance company, the repair begins. 
  • Get your vehicle when the repair is completed. 

Wrapping Up!

It is everything about filing a car insurance claim in the UAE. In case your automobile was harmed irreparably in the accident, you can pick to get an additional one from the adhering list of affordable previously owned cars. Keep tuned to UAE’s top auto blog for much more on car insurance coverage, filing car insurance coverage in the UAE, traffic policies, and traffic violation fines.

Related Articles:

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How to renew vehicle registration in Abu Dhabi?

Calculate Car Insurance Premium Online in the UAE – BuyAnyInsurance


Originally published Aug 08, 2022 23:42:10 PM, updated Aug 08, 2022

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