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Timely and effective communication with the insurer is what you need for quick claim settlement. There is a certain procedure that needs to be followed. Let’s have a quick rundown of the steps that you can follow after a car accident -
In the event of an accident, the first and foremost thing that you should do is report the accident to the police. The police will inspect the vehicle as well as the place of incidence, as part of the procedure.
Once it is done, both the drivers are given a green or a red paper that have the accident summary and contact details of both the drivers.
Please note that it is mandatory to have a police report to initiate the claim process for car insurance in Dubai.
Once you have reported the incidence to the police, your next step should be informing your insurance provider about the incident. To get your claim processed effectively, it is imperative to share all the details with your insurer about the accident.
Try to get in touch with your insurance provider as soon as possible and provide all the required documents for a quick settlement of the claim.
Take some live pictures of the damage caused to your vehicle or any other bodily injury, which resulted from the accident. It will support your car insurance claim and be helpful for the future records.
Make sure you go through your car insurance policy wordings while filing a claim. It will enable you to claim the appropriate amount.
Also, review the policy terms and conditions to have an idea about the benefits, coverage, and exclusions. If you have a prior understanding of your policy benefits, you can easily negotiate with your insurer regarding your claim settlement.
Under the following circumstances, you can file your claim
If there is an accidental injury, you must immediately inform your insurance provider. While filing the claim, it is advisable that you assess the total loss or damage as per your motor insurance policy.
Remember, you can only file a claim if you have collision or accidental coverage in your motor insurance plan.
In case the damage is caused by the other car, you will be recompensed by a third-party liability cover.
If you are responsible for the damage, then you can get compensation only if you have comprehensive insurance only. It also covers damage caused due to natural calamities.
|Car Insurance Addons|
|Personal Accident Cover||Roadside Assistance|
|Engine Protection Cover||IDV-Insured Declared Value|
|No Claim Bouns||Passenger Cover|
You need the following documents to claim your car insurance:
Usually, most insurance companies in the UAE follow the aforementioned steps of the settlement procedure. But, it is advisable that you assess your policy terms and conditions when purchasing the policy. This will make it convenient to file the claim when the need arises.
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