Car accidents or damages can happen unexpectedly, and knowing how to file an insurance claim is crucial in the UAE. The process may look complex, but by following the right steps, you can handle it smoothly.
AI Quick Summary
Filing a car insurance claim in the UAE involves reporting the accident to the police, notifying your insurer within 24 hours, and submitting necessary documents like the police report, identification, and vehicle registration. The claim process includes vehicle inspection, repair approval, and final settlement, which can take a few days for minor damages or up to several weeks for major repairs or total loss. It’s crucial to understand your policy coverage, including deductibles and exclusions, and to promptly report accidents with clear documentation to ensure a smooth claim process.
This summary was generated by AI using this article’s content.
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What Should You Do Immediately After an Accident?
- Check for injuries and call emergency services if required.
- Move your car to a safe spot (only if allowed).
- Exchange details with the other driver:
- Name and phone number
- Vehicle registration number and make/model
- Insurance company and policy number
- Take photos of the scene, damage, and number plates.
Learn more about how to report an accident in the UAE.
Why Is a Police Report Important?
- A Police Report is mandatory for all claims in the UAE.
- Call:
- 999 for emergencies
- 901 in Dubai (non-emergency)
- 800 2626 in Abu Dhabi
- Police will inspect the scene, issue a report, and assign fault.
- Without this report, insurers cannot process claims.
If you’re buying a pre-owned vehicle, you can also check a car’s accident history in the UAE to understand its past damage.
When Should You Inform Your Insurance Company?
- Report the incident within 24 hours.
- Use:
- Insurer’s hotline
- Mobile app
- Web portal
- Provide details:
- Policy number
- Date, time, and location
- Police Report reference number
- Third-party details (if any)
What Documents Are Required?
- Emirates ID or passport copy
- Driving licence copy
- Vehicle registration card (Mulkiya)
- Police Report (PIN or copy)
- Accident photos
- Repair quotation (if requested)
How Will the Insurer Assess Fault and Coverage?
- Third-Party Liability (TPL): Covers damages to others.
- Comprehensive: Covers third-party and your own damages.
- Deductible (Excess): Fixed amount you must pay before coverage applies.
- Fault is determined based on the Police Report.
If you’re buying a second-hand car, you should know how used car accident records can affect insurance claims and premiums.
What Happens During Vehicle Inspection and Repairs?
- The insurer assigns an approved workshop.
- A surveyor inspects the vehicle and prepares an Assessment Report.
- Once approved, repairs begin.
- Payment is settled between the insurer and the workshop.
- Some policies provide a replacement car for 5–10 days.
How Long Does It Take to Settle a Claim?
- Minor damages: 3–5 working days.
- Major damages or total loss: 2–4 weeks.
- By UAE law: settlement must be done within 15 working days (up to 30 in disputes).
Are There Any Special Situations in the UAE?
- Natural disasters: Covered only under comprehensive policies.
- Cross-border accidents: GCC travel requires a Green Card add-on.
- Cash settlement: May be offered if repairs exceed market value.
- RTA role: In Dubai, RTA arranges towing and certain accident-related cases.
What If Your Claim Gets Delayed or Rejected?
- Escalate the issue to the UAE Central Bank Insurance Authority.
- Use their official complaints portal for dispute resolution.
What Tips Can Help You Make a Smooth Claim?
- Always take clear photos of the accident.
- Report incidents quickly to avoid rejection.
- Know your policy’s exclusions and approved garages.
- Keep communication polite with police, insurers, and workshops.
- Track your claim with the reference number.
Installing a dashcam can also help. Read how dashcams support your car insurance claim.
Making a car insurance claim in the UAE is straightforward when you follow the right process. From police reporting to repairs, every step is structured to ensure fair settlement. Being informed and prepared saves you stress and time.
Find the best used cars for sale in the UAE.
Stay tuned to UAE’s most popular auto blog for more information about the latest happenings in all of the Emirates.
FAQs
How do I file a car insurance claim in the UAE?
Report the accident to the police, obtain a Police Report, inform your insurer within 24 hours, submit required documents, and follow up for inspection, repair approval, and settlement.
What documents are needed for a car insurance claim in the UAE?
You need a Police Report, Emirates ID or passport, driver’s licence, car registration card (Mulkiya), accident photos, and sometimes repair estimates from an approved workshop.
How long does a car insurance claim take in the UAE?
Minor claims take around 3–5 working days. Major accidents or total loss claims usually take 2–4 weeks. By law, insurers must settle within 15 working days of receiving all documents.
Can car insurance claims be rejected in the UAE?
Yes. Claims may be rejected if you delay reporting, drive without a valid licence, cause damage under the influence, or make unauthorised modifications to your vehicle.
Does car insurance in the UAE cover flood or natural disaster damage?
Only comprehensive car insurance policies cover natural disasters such as floods or sandstorms. Third-party liability policies do not include this coverage. Always check your policy terms.
Car accidents or damages can happen unexpectedly, and knowing how to file an insurance claim is crucial in the UAE. The process may look complex, but by following the right steps, you can handle it smoothly. What Should You Do
