Nowadays, car accidents have become common in the United Arab Emirates (UAE). Many insurance companies have reported higher claims for accidents in Dubai. The foremost reasons for accidents are not following the traffic rules and driving recklessly on the road. Having insurance claims does not mean that accidents should happen. These insurance claims keep you financially stable in such incidents.
Legal Structure for Insurance Claims
In the UAE, the car accident claims are monitored by the Dubai Police, the Roads and Transport Authority (RTA) and the UAE Insurance Authority.
Regulations for Insurance Operations
Under Federal Law No. 6 of 2007, the rules for insurance are governed. Every insurance company in the UAE must know those rules. It helps individuals to claim better. The law outlines the evaluation factors for claims, traffic rules and obligations of the drivers on the roads.
Report Immediately to the UAE Police
No claim can be filed successfully if the incident has not been reported timely manner. The compensation will be received by the claimant if only they have the evidence of the car accident, including photographs and documents.
Types of Insurance Affecting You
The insurance claims could be made in different ways. However, there are two categories under which you can claim insurance in the UAE:
Third-Party Insurance Claim
This kind of insurance helps the victim if it was driver’s fault. In most cases, medical injuries are recovered from the other driver. In case the accident has left you with a difficult ability, you will be compensated for the income that you were earning. Everything is compensated by the other party that is at fault.
Comprehensive Claim
This kind of insurance claim would cover costs for both vehicles. It depends on how the case has been handled. This might be interesting for many drivers in the UAE, but they should know what kind of insurance plans are covered. You may need immediate help, including car repair service and roadside assistance. Your car rental can be paid from the incident location to the place you want to go after the accident.
Quick Submission of Insurance Claim in the UAE
After the incident has happened, you must get medical help if needed. You can call the police or an insurance company to start working on the case. Meanwhile, record all the evidence and take it with you. Most of the insurance companies have mobile apps. You can directly put all the evidence on the portal and make an insurance claim on your own. You will need photos from the accident, a copy of the police report and your driving license with a registration card, known as (Mulkiya).
Car Repairing Options in the UAE
Once you have submitted the insurance claim, the next thing is to choose the repair location. Would you want to have an agency for car repairing services or directly visit the garage? That is an interesting debate. However, it depends on the insurance policy that you have bought. They may allow you to choose the garage of your own or have their recommendations for car repairing agencies. The car repairing arrangements can vary; therefore, individuals should be careful while buying an insurance policy in the UAE.
Hit-and-Run Accidents in the UAE
Many car accidents are reported as hit-and-run incidents. The cars usually do not stop after hitting the other vehicle. That is irresponsible of them. However, the case shall be investigated to see who is at fault. A third-party insurance company would never make a claim unless the other party has been located and the responsibility of the damage has been confirmed through evidence.
Personal Injury Claims in the UAE
The insurance claims are not only for the vehicle, but individuals can also make personal injury claims for car accidents.
What is involved in the Personal Injury Claims?
The personal injury claims can be made by both parties if they have gone through medical treatments. However, they both will make individual claims as per their insurance policies. A personal injury claim would require evidence, including the medical bills and the car accident police report.
Insurance Companies in the UAE
Though there will be two insurance claims registered with different agencies. The important thing to know is that the driver at fault may have to bear the medical billing for the other driver if proven guilty. A vehicle assessment will be conducted by the insurance company. They would look into the repair costs and coverage limits. Everything will be reviewed as per the rules and regulations; therefore, disputes should not occur. However, the communication should be transparent between the driver and the insurance company.
Legal Support for Insurance Claims
The UAE laws are very strict. You will need lawyers to help you with different cases. The insurance claims are not managed by the insurance companies alone.
Lawyers in Dubai
They can manage your case perfectly with their in-depth knowledge about insurance claims. They will also fight for your case in court, if needed.
Choose the Best Lawyer
Several lawyers may claim to provide with best legal services. That is not true. When you have a case that involves finance, then you must choose a competent lawyer in the UAE.
Summary
The insurance claims for car accidents can be handled by qualified lawyers and reputable insurance companies. It is important to do some research about the lawyer and the insurance company you will have in the UAE. Moreover, claims for the car accidents can be made if only the evidence is there. You can get car-repairing services through these agencies or go directly to a garage to fix the car. Always stay updated with the recent traffic laws in the UAE.
