Buy Car Insurance in 30 Seconds !
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:
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 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.
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.
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.
To prepare the ADNIC Claim Form for submission, follow these simple instructions:
To file an ADNIC vehicle insurance claim, you'll need the following documents:
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.
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.
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:
There are a few things you should remember before and while filling out the ADNIC insurance claim form, which is stated below:
The following documents must be attached to the ADNIC claim form:
Cashless Claim: When you go for a cashless claim, you do not have to make any upfront payment.
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.