ADNIC Car Insurance Claim Form and Process to Apply

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  | Published: 26 October 2021

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ADNIC auto insurance, one of the most reliable motor companies in the UAE is dedicated to providing the best insurance products and services to its customers. ADNIC provides comprehensive and third-party liability vehicle insurance policies that provide comprehensive coverage as well as additional benefits and optional coverage. ADNIC being one of the major multi-line regional insurance firms, offers a holistic range of insurance and reinsurance services to suit the needs of its customers and provide coverage against losses when they are needed the most.

In the case of an accident resulting in car damage, motor insurance provides the much-needed relief. Insurance claims assist in covering the cost of the vehicle's repair as well as other financial obligations. All you have to do is get your automobile repaired at any of the network garages that are closest to you, and we'll take care of the rest.  Filing or defending insurance claims used to be a hassle, but thanks to digitization, the entire process is now simple and painless. ADNIC provides E-Claim services, so that you can file a claim online.

When it comes to compensation claims, you must follow a precise procedure to get your claim resolved. The steps for submitting a claim vary on the basis of the type of policy you opted for. So, here's how to comprehend the car insurance claim process:

Claims Under Automobile Insurance Plans

Car insurance plans and bike insurance plans are both examples of motor insurance coverage. The method for filing an insurance claim for vehicle insurance is the same. Here are the steps :

There are two types of claims in vehicle insurance policies: third-party liability claims and own-damage claims. In both of these cases, the insurance claim procedure is a little different. Here's what the respective processes entail:

Third Party Responsibility

Third-party responsibility lawsuits arise when another person is injured or killed by your car, or when the third-party property is damaged. The following is the procedure for filing a third-party insurance claim:

  • You should notify your insurance company right away.

  • Make a police report with the local police department.

  • The claim would be presented to the motor accidents tribunal, which would decide on your financial responsibility.

  • The insurance company will settle the claim on the basis of tribunal's decision.

Own Damage Claim

When your car or motorcycle sustains damage, it is referred to as an "own damage" claim. Own-damage claims are further separated into two types: vehicle-related damages and vehicle-related theft. Here's how to file an insurance claim for each. Damages to the car or motorcycle include:

  • Notify the insurance company of the damage as soon as possible.

  • The company will then give you the contact information for the nearest preferred garage where you may drop off your car.

  • Once your car is in the garage, a surveyor from the firm will come out and inspect the damage. A claim report would be prepared after the damages had been assessed.

  • The insurance company approves the repairs based on the claim report supplied by the surveyor.

  • The car is repaired once the repairs have been authorized. The firm pays the garage immediately for the repairs, and the claim is completed without the use of cash.

Vehicle/Car Damages

  • Inform your insurance company immediately.

  • After that, the company will give you the contact information for the nearest preferred garage where you may drop off your car.

  • Once your car is parked in the garage, a surveyor from the company will come to inspect the damage. The claim report would be generated after the damages were assessed.

  • The insurance company will accept the repairs based on the claim report supplied by the surveyor.

  • The vehicle is fixed once the repairs have been approved. The company pays the garage immediately for the repairs, and the claim is settled without having to pay any money.

  • This report, along with the claim form, must be submitted to the insurance company.

  • The insurance provider would then reimburse you the guaranteed declared value (IDV) of your plan, and your claim would be closed.

ADNIC Car Insurance Claim Form

To prepare the ADNIC Claim Form for submission, follow these simple instructions:

  • Search for the claim form on the ADNIC website.
  • In an online editor, open the document.
  • Read the instructions to figure out what information you'll need to supply.
  • Fill in the required information by clicking the fillable fields.
  • After you've filled in all of the fields, add the date and your e-autograph.
  • Examine the filled form for typos and other errors. If you need to make a correction, our online editor and its extensive set of tools are at your disposal.
  • By selecting Done, you may save the completed form to your smartphone.
  • Send the e-document to the relevant persons.

Documents Needed to File a Claim

To file an ADNIC vehicle insurance claim, you'll need the following documents:

  • ID CARD copy
  • Copy of your driver's license
  • Copy of your car registration card
  • Police report

ADNIC Automobile Insurance Claim Process

It's straightforward to file a claim with ADNIC vehicle insurance. To receive your overdue claim, simply follow these simple steps:

Step 1: The First Step is to Report The Incident.

Inform the police and obtain a referral letter or police report (as applicable in each Emirate).

Step 2: Notify ADNIC.

The second step is to contact ADNIC by phoning 8008040 or sending an email to motorclaims@ADNIC.ae. Alternatively, you can go to an ADNIC branch near you. When the claim staff receives your claim request, they will assist you in filling out a claim form based on the information provided. They will next ask you to review the form and sign it.

Step 3: Send in Your Documents

Submit all requested documents, including the policy number, claim form, driver's license, automobile registration card, police or Saaed report, and general incident details, with correct information.

Step 4: Claim Evaluation

After you've successfully submitted all of your documentation, ADNIC will begin processing your claim. The incident's details are evaluated and verified.

Step 5: Get the Claim Registration Number 

When a car insurance claim is filed, you will receive an SMS with a claim reference number and the contact information for a nearby workshop, depending on the policy type. You can track the status of your automobile after you've sent it in for repair using the claim reference number you were given.

Car Insurance Claims Come in Two Types

Claim For Reimbursement: If you are unable to bring your automobile to one of the network garages, you may simply take it to any garage of your choice and have it repaired for a fee. Your insurer may later refund you for the amount. If you want to file a reimbursement claim, you must produce your original repair bills. 

How Do I File an ADNIC Reimbursement Claim?

The Abu Dhabi National Insurance Firm (PSC) or ADNIC, situated in Abu Dhabi, is the UAE's third-largest insurance company. The corporation is a public shareholding company since Abi Dhabi Investment Council owns the majority of the company's shares. ADNIC provides a wide range of insurance products and has one of the most efficient claim processes in the industry.

ADNIC claims can be used in a variety of ways, depending on the type of claim you're making. In all of these methods, the ADNIC reimbursement form is the most prevalent variant. So, for the claim process to run successfully, one needs to understand how to properly fill out the ADNIC claim form.

How to Complete the ADNIC Reimbursement Form?

The majority of the labor involved in filing a refund claim is accurately filling out the claim form. Before you begin filling out the ADNIC reimbursement claim form, you will need to acquire the following information:

  • Download the ADNIC claim form pdf from the ADNIC website.
  • Make sure to have the health insurance number, It's listed on the insurance card provided by the insurance company.
  • Request a concise report on your condition from the doctor treating you, as well as confirmation that the treatment you are receiving is medically required.
  • Information about your healthcare providers - include the address of every location where you had treatment, including diagnostic labs.
  • Medical Bill Number - gather all bills for all services for which you are requesting reimbursement. To fill out the ADNIC claim form, write down the bill number or receipt number for each of them.
  • Include the dates when you received the services, as well as the bill number.
  • Write a brief description of the service you're adding to the form, such as a doctor's consultation, prescription medications, or hospitalization.
  • Add each bill's amount - exactly as it appears on the bills, to the nearest decimal..
  • Add the total of all the services you listed on the ADNIC reimbursement form now. Indicate the original currency in which the payment was made.
  • If you're filing a claim on behalf of an insurance holder for a road accident, including the police report as well as your name, phone number, address, and relationship to the insurance holder on the form, which you must attest with your signature at the end.

What to Consider When Filling Out the ADNIC Reimbursement Form?

There are a few things you should remember before and while filling out the ADNIC insurance claim form, which is stated below:

  • Check to see if your insurance company has already filed a claim on your behalf. If the provider does not complete the form on their behalf, the insurance holder must complete it.
  • Even the tiniest inaccuracy on the form, or the absence of documentation, might result in the claim being rejected, and you will have to repeat the filing process. So be sure you have everything you need, and that it's fresh.
  • If one or more medical invoices are not in English or Arabic, have them translated by a public official translator and submit the translated version.
  • If you're applying for multiple people at the same time, be sure to fill out a separate ADNIC claim reimbursement form for each of them.

The following documents must be attached to the ADNIC claim form:

  • ADNIC has a copy of your Emirates ID and insurance card.
  • Original bills and receipts for the services you're claiming Original copies of the drugs' prescriptions
  • All medical diagnostic procedures.

Cashless Claim: When you go for a cashless claim, you do not have to make any upfront payment.

How does it work?

  • If you are involved in an unfortunate accident, you should call your insurer as soon as possible.
  • You should also contact the police and submit an FIR if necessary.
  • The insurer will arrive at the scene of the accident and arrange for your vehicle to be transported to the nearest towing facility.
  • The garage will do a complete inspection of your vehicle.
  • The network garage will provide a repair quote that will be approved by the customer.
  • Following that, the repair process will begin.
  • The garage will send all applicable bills to the insurance company after the repair is completed.
  • The bills and the vehicle will be examined by the insurer later.
  • After that, the policyholder is responsible for paying the deductible and depreciation.
  • The rest of the money will be reimbursed by the insurance company directly.
  • If your vehicle is damaged beyond repair, the insurer will compensate you with the market value after taking into account the vehicle's depreciation value.

FAQs

Question 1: I was inebriated at the time of the car accident?

Answer: Your auto insurance company will deny your claim if your medical reports show that you were driving while intoxicated at the time of the accident.

Question 2: I'm the second owner of my car, but the original owner's name is still on the insurance policy. Is it possible for me to make an auto insurance claim?

Answer: Your claim will not be accepted. It is required to transfer ownership and auto insurance into your name as soon as you purchase a car.

Question 3: Can my insurance company deny my claim if I fail to notify them of the accident within the time frame specified?

Answer: Yes, the insurer has the power to deny your claim if you do not report the accident within the specified time frame.

Question 4: Is a reimbursement claim or a cashless claim more profitable?

Answer: Each has its combination of benefits and drawbacks. You have the option of having your automobile repaired in any garage of your choice if you file a reimbursement claim. However, you must first pay for the expenses out of your wallet.

In the event of a cashless claim, you must submit it to one of the network garages listed in your insurance policy. However, you will not be required to pay anything, as the insurance company would cover the costs on your behalf.