Car accidents can be stressful, but understanding the right steps can ease the burden, especially when claiming insurance in Dubai.
This article provides a clear, step-by-step guide on how to claim insurance for a car accident in Dubai, based on UAE insurance regulations. It ensures you know exactly what to do after an accident.
It also explains how a law firm can help you navigate the process more efficiently in 2025.
Contact our expert lawyers & legal consultants in UAE. Click the WhatsApp icon below.
Table of Contents
How to Claim Insurance for a Car Accident in Dubai
Filing an insurance claim for car damage in Dubai involves a structured process.
The UAE Insurance Authority has established specific rules under the Unified Motor Vehicle Insurance Policy. Here’s how to proceed.
Step 1: Ensure Safety and Report the Accident
In a vehicular accident, it is crucial to prioritize safety and follow the appropriate steps for reporting the incident. Here are the actions you should take:
- Move to a safe location if the vehicle is drivable.
- Call the police immediately and obtain an official accident report.
- Notify the insurance company as soon as possible—preferably within 24 hours.
Step 2: Notify the Insurance Company
When notifying your insurance company after an accident, providing clear and comprehensive information is important.
Follow these steps for effective communication:
- Send written notice via email, fax, or hand delivery.
- Provide complete accident details, including the police report and photos of the damage.
- Disclose any pending investigations or lawsuits.
Step 3: Submit Required Documents
Prepare and submit:
- The completed insurance claim form.
- A copy of the Emirates ID and driving license.
- The police report and vehicle registration card.
- Any witness statements or supporting evidence.
Vehicle Inspection and Damage Assessment
If necessary, the insurer will assign a licensed surveyor and loss adjuster. You may choose to have the vehicle repaired at approved workshops.
If there’s a dispute about damage value, either party can request a second expert.
Compensation Options
The insurer may:
- Repair the vehicle.
- Replace the vehicle in total loss cases.
- Pay compensation in cash upon agreement.
In case of total loss, 20% depreciation and insurance period usage are deducted from the payout.
Important Considerations
Deductibles apply based on vehicle type and value (e.g., AED 350–4,500 per accident).
Additional deductibles may apply for young drivers, sports cars, and rental vehicles.
The insurer can deny compensation if the vehicle was used illegally or off-road (without a rider).
Learn about Complaints Against Car Insurance Companies in Dubai.
Legal Services for Claiming Car Accident Insurance in Dubai
Navigating the insurance claim process alone can be overwhelming.
Our law firm in the UAE specializes in UAE insurance law and offers expert assistance related to car accident insurance claims.
Legal services we provide include:
- Accident Claim Advisory: We review your insurance policy and advise you on your rights and responsibilities.
- Claim Filing and Documentation Support: We help you gather and submit all necessary documents correctly and on time.
- Dispute Resolution: If your claim is delayed or denied, we can challenge the insurer through legal proceedings or negotiation.
- Court Representation: We represent you in the UAE courts if the dispute escalates beyond the insurance company.
- Fraud and Liability Defense: If you are falsely accused of liability or fraud, we will defend your interests under UAE law.
- Settlement Negotiations: We facilitate settlement discussions with insurers to ensure fair compensation.
Find more services from expert Criminal Lawyers in Dubai.
FAQs about Car Accident Insurance Claims in Dubai
Understanding how to claim insurance for a car accident in Dubai is essential for a smooth recovery process.
You can avoid unnecessary complications by following official procedures and knowing your legal options.
Our law firm is ready to guide and represent you to protect your rights at every step.
Contact our law firm in UAE for expert help. Click the Whatsapp icon below.
A law graduate and legal writer focusing on UAE law, he became known for his ability to clarify complex legal concepts through his writings. His work simplifies the intricacies of the legal landscape in the Emirates, helping both locals and expatriates navigate their legal concerns.
