How to File Your Car Insurance Claim in the UAE

Nothing is more overwhelming than feeling helpless in a dire situation on the road. Even more daunting is to be clueless about filing a car insurance claim. Whether you were involved in an accident or your vehicle was damaged in a flood, or stolen, it is important to know the claim process. If you know how to file a car insurance claim in UAE, getting compensation will be easy. Here are the ways to file claims in different situations.

How to File a Claim After a Car Accident in UAE?

Filing a claim after an accident can seem like an overwhelming process, but it is rather straightforward. The following are the steps to follow to file a car insurance claim after an accident –

• Park at the nearest safe spot - Check if anyone is injured. Call for an ambulance if required. 
• Contact the police - Inform them about the accident and get a police report. They will inspect the scene and issue red and green cards to the parties. Ensure you have sufficient evidence, including images of the incident.  
• Inform the insurance company - Inform the insurance company as soon as possible. Ensure you provide all the required information, including the policy number, its expiry date, and detailed documentation about the accident. 
• Submit the documents required to file a car insurance claim: The documents include –
  • Police report
  • Emirates ID
  • Vehicle registration documents
  • Driving licence
  • A filled-in claim insurance form
  • Evidence related to the accident
• Get the vehicle inspected and get the estimated repair costs -The insurance company’s representative will inspect the damage. If your policy covers these repairs, they will approve a garage from the network. If specified at the time of policy purchase, pay the excess amount. 
• Get your vehicle repaired - Once you have estimated repair costs, get your vehicle repaired. You will be informed once the repairs are done. 

Read More - How to Claim Insurance for Car Accident in Dubai

How to File a Car Insurance Claim if Your Vehicle Gets Stuck in a Flooded Area in the UAE?

Recent years’ floods have been a wake-up call for residents, as vehicles have suffered damage when left parked in flooded areas. Note that only high-end comprehensive motor insurance in UAE offers coverage in case of such natural disasters under riders like natural calamities cover. Third-party liability insurance does not cover these damages. 

Here’s how to file a car insurance claim in case of floods.

• Avoid starting your vehicle in partially or completely submerged areas. Instead, report the incident to the police and get a report. 
• Connect with your insurance company’s roadside assistance service. 
• Click images and record video of the damages you have incurred as proof. Once done, file a claim. As soon as you file the claim, the following happens—
  • The insurer’s roadside assistance team will get your car picked up from the waterlogged area (Note – Make sure you have a roadside assistance rider for this).
  • The workshop or the authorised garage will inspect the damages and provide an estimate.
  • The insurer will review the estimate and the repair work and then approve it. 
  • You will be alerted once the repairs are done and your car is ready.

How to File a Car Insurance Claim in Case of a Stolen Car?

You can also file an insurance claim for a stolen car in the UAE. Theft is usually covered under comprehensive car insurance. If your vehicle gets stolen and is not recovered, your insurance company will compensate you based on the insured declared value after deducting excess and depreciation. 

Before your claim gets approved, the police need to declare your car untraceable. Here’s how you can file a car insurance claim for stolen cars:

• Report the theft to the police and file a theft report. If your vehicle was parked in a paid parking space, inform the security officer and retrieve any available CCTV footage. 
• Inform the insurance company without delay. While you cannot file the claim instantly, informing the provider is important for a hassle-free claim process. 
• Once you receive the police report, fill in the claim form and affix all the relevant documents, including –
  • Driving licence copy 
  • Mulkiya copy
  • Insurance policy copy 
  • Police report
  • Car key’s details and their location at the time of theft
  • List of names of people who had access to the car
  • List of personal items stolen (if applicable)
• Once the police declare your car as untraceable, the insurance company will process the car insurance claim. The payout will be based on the market value of the car after depreciation and deductibles. 

How to File a Car Insurance Claim via Policybazaar.ae in UAE?

If you buy your motor insurance from us, you can enjoy impeccable after-sales services like Claim Assurance under PB Advantage. With us, you can easily file a car insurance claim after an accident. The following is the insurance claim process —

• Park your car at a safe spot near the accident spot. Make sure everyone is safe. Call 999 if there is an emergency. 
• Once you have ensured that everyone is safe, call us at 800 800 001 or WhatsApp us at 056145453. We will connect you to our RSA team. Make sure you share your live location with us. 
• Connect with the police and report the incident to them. You can use your respective emirate’s police app to file the report. You can call the traffic police. They will evaluate the scene and fill out the accident form. 
• While you are waiting for your report, we will provide you with a list of authorised garage details. The dedicated RSA team get your vehicle towed to the location. 
• Our dedicated team will collect the police report and fill in your lead form on your behalf.
• You sit back and digitally track your claim status using real-time digital updates. In case there are some issues, the claim support team will get them resolved. 
• Once your car is ready, you will be notified immediately. 

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