Claiming Car Insurance – A Guide
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You covered the basics – you went online, you compared car insurance in the UAE, you chose a policy that worked for you. Unfortunately, now you need to make a claim on your car insurance. Here’s a simple guide of things you should, and shouldn’t do when claiming car insurance in the UAE.
Things You Should Do When Making a Car Insurance Claim
Accidents are inevitable. You can be as careful as possible but sometimes things are no one’s fault and an accident occurs. In these circumstances, it is best to do the following to make your car insurance claim as speedy as possible.
Know What Your Policy Covers
As a policyholder, you should know what it contains front to back. Not knowing what’s covered can be a source of anxiety in the event of a collision. Therefore, before buying insurance make sure you discuss what is covered in the event of an accident so you are aware of what to do when making a car insurance claim.
Inform Your Insurer Immediately
For the insurer to be aware that you’ve had an accident they need to be informed immediately. As soon as you’re done calling the police, or an ambulance if needed, call your insurance company to start the claims process. Indeed, the more you wait to file the claim the longer and more tedious it will be to come through.
Keep Photographic Evidence
Once you’ve made sure that all parties involved in the collision are safe, take pictures of the scene to bolster your car insurance claims file. It helps give an accurate picture of what actually happened and who is to blame. Moreover, these can even be used to report a collision by posting on to the Dubai Police app. For Abu Dhabi use the Saaed app to report any traffic violations, and for Sharjah use the Rafid app.
Get Contact Information
Information is key. Get as much information as possible. Get the contact details of the other party involved in the accident. Also get the details of their vehicle, their license plate number, and the make and model of the car. I at all possible try and get an eyewitness account. This will help greatly when you make a car insurance claim.
Make and Keep Copies of Concerned Documents
Anything and everything related to the car insurance claim should be photocopied and kept with you. This includes car repair, towing fees, medical bills, accident report, and even your car insurance policy.
Things You Should Avoid Doing When Making a Car Insurance Claim
Don’t Admit it Was You Fault
An accident is a traumatic experience. It leaves you dazed, and even confused about what actually happened. Incidentally, it is human nature to think that you are at fault and the other party might take advantage of this guilt. Therefore, it is recommended that you shouldn’t admit to fault as soon as the accident happens. Wait for the report to reveal who was actually at fault.
Don’t Accept Immediate Compensation
In some situations, the insurance company might try to give you a lower compensation than you’re entitled to. In these cases, it is best to consult legal counsel and gather all the information you can about your insurance policy. See if you are actually being offered less and if they can pay more, before accepting compensation.
Don’t Sign Documents Without Verifying Them First
This goes for any situation in life but is especially crucial during an insurance claim – don’t sign any document offered to you without reading it thoroughly and asking questions to help you understand it better. It always helps to know what compensation is owed to you, but if you’re confused, always consult a lawyer before signing anything.
Don’t Take Too Long to File a Claim
In many cases, claimants file claims so late after the incident that their claim is rejected outright. This is mainly because they don’t read their insurance policies thoroughly and don’t know that three years is the cut off mark after which any and all claims are rejected. Yes, it is possible for you to be too injured after the collision to personally make a claim. In this situation, you should ask a relative, or friend to file the claim for you. If you are alone in the country you can task your lawyer with the job of filing the claim. Don’t leave it too late. You might not get any compensation at all as a result.
Try Not to Buy The Cheapest Policy
It is tempting to buy the cheapest policy especially if you’re a careful driver and have never been in an accident before. However, not everyone is a careful driver and what if you get involved in an accident with someone who isn’t? A cheap policy will hardly cover the damage your car will take, not to mention the medical bills you will have to pay out of your own pocket. Cheap policies end up costing more in the long run.
Claiming car insurance doesn’t have to be hard. Just follow the do’s and don’t’s and you should be fine. Happy driving!
Originally published Oct 03, 2019 15:57:08 PM, updated May 03, 2021