How to Claim Insurance for Car Accident in Dubai

Nothing is more overwhelming than filing a motor insurance claim after an accident in Dubai. However, if you are aware of the necessary steps, the claim process will become easier. Be it a minor damage or a major collision, you should know how to communicate with the police, document the incident, and inform your insurance provider. Here’s a simple guide to help you through the process of claiming insurance after a car accident in Dubai. 

How to Claim Car Insurance After an Accident in Dubai?

Be it a minor accident or a major collision, you should file a car insurance claim after an accident. Here’s how you can file a claim in both the scenarios. 

In Case of Minor Accident

Filing a minor car accident is a streamlined process when you use good judgment. Here’s how to claim car insurance after a minor accident. 

• Turn on Hazard Lights – As soon as the accident occurs, turn on the hazard lights to signal the oncoming traffic. Once you have done this, park your car in a safe spot on the side of the road. 
• Inform the Police about the Accident – Log in to the Dubai Police App and initiate an accident report. You can digitise your report by providing your exact location and uploading pictorial evidence of the accident scene. 
• Exchange Essential Information – Ensure that you exchange contact and insurance details with all parties involved in the accident. These documents will help with the claim process afterwards. 
• Collect the Police Report – Once you report the incident, the police will assess the accident site. They will issue you a green card if you are not at fault, a white card if the culprit is unknown, and a red card if you are at fault. Once you receive the report, you can then proceed with initiating the claim process. 
• Notify the Insurance Company – Once you receive the report, inform the insurance company about the accident immediately. 
• Submit All the Necessary Documents – Submit all the documents along with a filled-in claim insurance form. Keeping the documents in hand will speed up the claim process. 
• Visit an Approved Garage – Take your car to one of the listed authorised garages. If your policy still covers agency repair, you can go to the brand’s service centre. Otherwise, the insurance company will refer you to an approved garage. 
• Car Inspection – A representative will inspect your car for damages, review your paperwork, and provide an estimated cost. If your claim gets approved, the repair will begin. 
• Pick Up Your Repaired Car – Once your repairs are complete, you will be notified. Since the repairs are minor, they won’t take much time. 

In Case of Major Accident

To claim car insurance after an accident in Dubai, follow these steps –

• Park Your Car at a Safe Spot – Park your car in a safe space near the accident scene. Look for injuries and damages among all the parties involved. If somebody is injured, call for an ambulance. 
• Contact the Police – After ensuring everyone is safe, call the police at 999 and report the accident. Get a copy of the police report. 
• Document the Evidence – Take images of the damage your vehicle incurred from different angles, showing the number plate. 
• Inform the Insurance Company Immediately – Contact the insurance company and inform them about the incident. Provide all the necessary information, including your policy number, its expiration date, and other relevant details about the accident — location, time, and date.
• Submit Necessary Documents – Provide all the required documents along with the duly filled-out claim form. 
• Get the Vehicle Inspected – Once you submit the documents, take your car to the listed authorised garage. A representative will inspect the damages, review documents, and provide an estimated cost. Once the provider approves the cost, your car will be repaired. 
• Pick up the Repaired Car – Once your car gets repaired, the garage will notify you to pick up your vehicle. The repair duration will depend on the degree of damage. 

Documents Required to File a Car Insurance Claim in Dubai

To speed up the car insurance claim process in Dubai, ensure you have all the necessary documents ready in advance. Here’s the list of important documents required –

• Police report
• Emirates ID
• Mulkiya
• Hayaza paper
• Valid driving licence
• Filled-in claim form
• Clear photos of the damage

How to Claim Insurance for Car Accident via Policybazaar.ae? 

If you have bought your car insurance from Policybazaar UAE, take advantage of our exclusive services like the PB Advantage Claim Assurance program. With this program, we will handle your motor insurance claims. You can claim insurance for a car accident in Dubai by the following steps–

• Park your car in a safe spot near the accident scene
• Check all parties involved for injuries. If necessary, call for an ambulance. 
• Report the incident to the police by dialling 999 for emergencies or 901 for minor accidents. 
• You can also report the incident using the Dubai Police app or website. Keep your chassis number and policy number ready for this process. The police will visit the scene and evaluate it if needed.
• After you have filed a report, connect with us through:
  • Helpline Number – 800 800 001
  • WhatsApp Support – +971 561454543
  • Email – motorclaims@policybazaar.ae
  • Via MyAccount – My Account > Raise a Query
• We will connect you with our Roadside Assistance team and share your live location with them.
• Our Roadside Assistance team will provide you with a list of the nearest authorised garages and will tow your vehicle there.
• Once the police report is ready, we will assist you in filing your claim.
• While at the garage, your car will be inspected for damage to estimate repair costs. 
• The garage will give you a repair timeline once your claim is approved. You can track the progress digitally in real-time.
• After your repairs are completed, you will be notified. Additionally, a feedback survey will be sent to you once you pick up your car.

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