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7 Steps to Claiming Car Insurance in UAE after an Accident

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car accident

Car accidents can happen at any time and place, and they can be both financially and emotionally distressing. In such situations, car insurance can provide a sense of security to car owners. 

Car insurance companies in the UAE offer different types of policies that cover damages to the car, medical expenses, and third-party liabilities. However, claiming car insurance after an accident can be complicated and time-consuming. 

This article provides a step-by-step guide on how to claim car insurance in the UAE after an accident.

Step 1: Contact the Insurance Company

The first step in claiming car insurance after an accident is to contact the insurance company. This should be done as soon as possible after the accident. 

The insurance company will ask for details of the accident, such as the location, date, and time of the accident, the extent of the damage, and if there were any injuries. The insurance company will also ask for the policy number and the policyholder’s name.

Step 2: File a Police Report

In the UAE, it is mandatory to file a police report in case of an accident. The police report will contain details of the accident and the parties involved. The police report is necessary for the insurance company to process the claim. The police report should be filed within 24 hours of the accident.

Step 3: Collect the Evidence

Collecting evidence is crucial in claiming car insurance after an accident. The evidence can include photographs of the damaged car, the location of the accident, and the injuries sustained. The evidence can also include witness statements and CCTV footage. It will help the insurance company assess the claim and determine the extent of the damage.

Step 4: Wait for the Insurance Company to Assess the Damage

After filing the police report and providing the necessary details and evidence, the insurance company will assess the damage to the car. The insurance company will send an assessor to inspect the car and determine the extent of the damage. They will also assess the cost of repairs and provide an estimate of the cost of repairs.

Step 5: Get the Car Repaired

After the insurance company assesses the damage and approves the claim, the car can be repaired. The insurance company will provide a list of authorized garages where the car can be repaired.

The policyholder can choose any of the authorized garages to get the car repaired. He should also ensure that the repairs are done as per the estimate provided by the insurance company.

Step 6: Pay the Deductible

The policyholder will have to pay a deductible when making a claim. The deductible is a fixed amount that the policyholder has to pay before the insurance company pays for the rest of the repairs. The amount of the deductible varies depending on the policy. It can be paid directly to the garage or through the insurance company.

Step 7: Collect the Car

After the car is repaired, the policyholder can collect the car from the garage. The policyholder should inspect the car to ensure that the repairs are done properly. If there are any issues with the repairs, the policyholder should inform the garage and the insurance company immediately.

Conclusion

Claiming car insurance after an accident can be a complicated process. However, following the above steps can make the process easier. It is important to remember that the policyholder should contact the insurance company as soon as possible after the accident and file a police report within 24 hours. 

Collecting evidence is also crucial in claiming car insurance. The policyholder should ensure that the repairs are done as per the estimate provided by the insurance company and inspect the car after the repairs. By following these steps, the policyholder can claim car insurance in the UAE after an accident.

If you need car accident claims in Dubai, UAE, Al Kabban & Associates is the team to call. We have years of experience in handling all aspects of insurance disputes, claims and coverage issues, and we are well-equipped to handle any situation that comes our way. Contact us today, and let us help you with your accident claim!

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