Car Insurance Claim in the UAE – Everything You Need to Know
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Car insurance claims are important to deal with the aftermaths of an accident. But to get your claim right, you do need to invest in some efforts by collecting the right set of documents and filing it with all the proofs that are needed. In an effort to make the whole process easy, insurance providers in the UAE have migrated to an online claim process. With this arrangement, you can file a claim in no time. Once the verification for your claims is done, your car is assigned to a garage for repair.
In this piece, we’ll walk you through everything you need to know to make your claim settlement process a lot smoother.
Soon after the accident, you need to call the police and inform your insurance provider as well. Arrange for first aid if the injured need immediate medical attention. File an FIR, collect all the proofs, note down the name and details of everyone involved in the accident to make your claim process. If you want to know more about car insurance claims in the UAE, then just keep reading.
What is a Car Insurance Claim?
In case of accidents resulting in vehicle damage, your insurer pays for the repair and replacement cost. A car insurance claim is the application, requesting the insurance provider to pay for the losses incurred due to an accident.
To avail of the benefits of a car insurance claim, you need to have first-party insurance in the UAE (also known as comprehensive insurance).
Steps to follow After a Car Accident for Hassle-Free Claims
A car insurance claim in the UAE involves several steps and requires you to have a few documents before filing a claim. To have a convenient claim settlement, you should follow each and every step as listed below:
Inform the Police and Authorities - The first thing you need to do is inform the police. It is also important to call the concerned authorities in case of fire and human casualties. The police will perform initial checks and investigation. Get a copy of FIR to report the correct damage during the claim process. To inform the authorities you can call 999 for ambulance and 901 for non-fatal accidents. You can also use the Dubai Police mobile application to report your accidents.
Contact Your Insurer - It is better to contact your auto insurance representative before filing the claim and inform them about the accident. The representative will assist you with the claim process and acquaint you with all the required documents you might need to register a claim.
Collect Proofs to Support your Claim – Make use of your mobile phone to collect videos and photographic evidences. It helps the authorities investigate and fast track your claims.
Know your Insurance Coverage – Go through your car insurance terms and conditions, inclusions, exclusions to determine what’s covered and what’s not. This will help you in filing a right claim and prevent rejections.
File Your Car Insurance Claim – Once you’re aware of all that’s to be done, you can start filing the claim online. You will need - your policy number, vehicle details and all the supporting documents.
Steps for Car Insurance Claim in the UAE
Following are the steps you need to undertake while filing an auto insurance claim in the United Arab Emirates.
Reporting the Incident - To begin the claim settlement process, you will have to report the accident to your insurer. A claim report can be submitted using phone calls, mail or online. You need to keep some documents such as policy details, car registration number, claim form, police report and driving license ready during the claim report.
Claim Assessment - After you have submitted your claim application, your insurer goes through the supporting documents and the police report to verify the details of the incident. Once verified, the insurance company gets back to you with the subsequent process.
Visit the Repair Center - After assessing your claim, the insurance company assigns you a reference number and provides the list of authorised repair centres. You can visit the service centre within the insurer’s network to avail yourself of cashless car insurance in the UAE. If you visit a service centre outside your insurer’s list, you need to invest the repair cost from your pocket and submit the invoice to get your claim reimbursement.
Collect Your Car and the Repair Invoice - You need to collect your car and the invoice after it gets repaired. While submitting your documents, you also need to submit the invoice for reimbursement along with the claim form. Based on your invoice the company pays the claim amount.
Document Submission - After getting your car repaired and collecting all the invoice documents, you need to submit it supporting your expenses. The company verifies total expenditure and reimburses you according to the company policy.
Track Your Reimbursement - It may take some time to credit the reimbursement to your account. Using the reference number, you can track the status of your claim anytime from anywhere.
Document Required to File a Car Insurance Claim in the UAE?
Following is the list of documents that you need for filing a car insurance claim in the UAE.
A duly filled claim form,
The car insurance policy details and policy number,
Registration number of your car,
Driving license of the owner or the person driving the car during the accident.
General details related to the accidents
Tip: - Collect all the other proofs supporting your claim to have a hassle-free claim process
Factors that Can Get Your Car Insurance Claim Rejected
Even when you submit all the supporting documents, a few things can result in claim rejections. Generally, the reason for rejection are due to items included in exclusion list, accident caused due to driver’s negligence or intended damage to the vehicle. Let’s take a look at the variety of reasons that can lead to claim rejection:
Intentional Damage to Vehicle - If the insurance company finds out that the policyholder purposefully inflicts the accident, it may reject the car insurance claim.
Accident Due to Driver’s Negligence - The claim can also be rejected if it is found that the accident took place due to the driver’s negligence and could have been avoided. The insurance company investigates the accidents thoroughly before settling your claim, so you need to make sure that you drive carefully at all times.
Accidents Due to Driver’s Intoxication - The insurer may reject your claim if they find the accident occurred under alcohol or drug influence. Driving under influence is illegal, and you may be penalised for such an offense.
False Information in Policy Application - While applying for car insurance, many applicants provide wrong information, just to save a few bucks. If at any stage the insurer finds that the details furnished are incorrect, then they can reject your claim application.
No Proof of Accident - A car insurance claim without proof may also get rejected for obvious reasons. You need to collect police reports, FIRs and photo or video based evidence to support your claim.
Delay in Filing Your Claim - A delay in filing your car insurance claim in the UAE may get your claim rejected. You need to file a claim within 24 to 72 hours of the accident.
Your car is not just a means of transport, it has a lot of sentimental value and that is precisely why it needs to be taken care of. Getting the right car insurance is the best way to keep your finances and your car safe. The best part is that you can conveniently claim your car accidents using a quick and reliable online channel. However, before filing a claim, you need to collect all the proofs, documents and get a police report to have a hassle-free claim settlement.
Mawaqif Top-Up : Mawaqif is a paid parking system authorised by the Department of Transport (DoT) in Abu Dhabi. The programme was initiated in 2009 to ensure seamless parking management in the Emirate.