A Step-by-Step Guide on How to File a Car Insurance Claim in UAE
Filing a car insurance claim can be a daunting task, but knowing the right steps to take can make the process much smoother. In this comprehensive guide, we will walk you through the process of filing a car insurance claim in the UAE.
Understand Your Insurance Policy:
Before you even think about filing a claim, it’s crucial to thoroughly understand your car insurance policy. Additionally, review the terms and conditions, coverage limits, and any specific requirements set by your Car Insurance Company in Dubai. Knowing what your policy covers will help you navigate the claim process more effectively.
Contact Your Car Insurance Broker in Dubai:
In the event of an accident or any other incident that requires you to file a claim, the first person you should contact is your Car Insurance Broker in Dubai. They will guide you through the entire process, ensuring that you have all the necessary information and documents ready.
Gather Essential Information:
When you contact your Car Insurance Broker, be prepared to provide essential information, including:
- Your policy number
- Details about the accident or incident
- Location and date of the incident
- Contact information of all parties involved
- Photos and evidence (if possible)
How to Initiate a Car Insurance Claim
Notifying the Claim
- Immediately report the incident to the police and obtain a police report, as per the regulations in each Emirate.
- If you require towing services, please make use of the respective insurance company’s 24/7 free roadside assistance hotline, provided above.
- Forward the following documents to the insurer’s email address, also provided above.
Processing the Claim
Vehicle Drop-Off & Vehicle Inspection
Transport your vehicle to the designated repairer’s location, as communicated by the insurer. If your plan includes it, the insurance company will arrange for your vehicle to be picked up upon claim registration. A qualified surveyor from the insurance company will carry out an inspection and approve the repair work.
Estimating & Commencing Repairs
The repairer will create a comprehensive estimate outlining the required repair work. We have to submit this report to the insurance company for evaluation. You will receive confirmation regarding the expected duration of the repair work. Once the repairs are finalized, you will be notified, and you can proceed to retrieve your vehicle from the repairer.
Following the return of your vehicle, you will receive a survey questionnaire via email. We kindly request you to share your experience through the survey.
Settling the Claim
In the event that your vehicle is declared a total loss or unrepairable, the insurance company will assist you in navigating the necessary procedures. If the fault is attributed to your vehicle, please ensure you settle the deductible amount with the repairer, as stipulated in your policy’s terms and conditions, prior to collecting your vehicle. Should you have any further inquiries or require assistance throughout the claims process, please do not hesitate to contact us.
Please note that the aforementioned information provides a general overview of the claims process and may be subject to variation based on individual policies and specific circumstances.
- Copy of the police report
- Copy of the vehicle registration (both sides)
- Copy of the driving license of the individual operating the vehicle at the time of the accident (both sides)
- Copy of the Emirates ID card of the person driving the vehicle at the time of the accident (both sides)
We have to send these documents by email. Additionally, keep them readily available if you choose to initiate the claim via the toll-free number. The car insurance company may request further documents as needed during the claim processing.
Filing a car insurance claim in the UAE can be a straightforward process when you have the right information and support. By following these steps and relying on the expertise of your Car Insurance Broker in Dubai, you can ensure a smoother and more successful claim experience. Finally, remember to review your policy regularly and consider obtaining a Car Insurance Quote Online to make sure you have the coverage you need to protect your vehicle in UAE.