If you are a licensed driver residing in any of the seven emirates and own a brand new car or a second-hand vehicle, it is absolutely necessary that you understand the important dos and don’ts for filing a car insurance claim in UAE.
When you first purchased your car, we’re sure you carefully picked out a suitable car insurance policy after sifting through the variety of options that’s out there in the market. You settled on your current insurance company only after comparing prices and packages from different providers in the UAE, with an aim to get the best out of your car insurance claim in case of an accident.
Now, when you’re faced with such an unfortunate situation, you need to be well prepared to handle the scenario and we’re here to help you do just that! After an accident, the first thing you need to do is ensure that you and your co-passengers as well as others involved in the accident and bystanders are out of harm’s way. Once that’s done, you will have to turn your attention to your car insurance claim. Here are a few handy do’s and don’ts for filing a car insurance claim in UAE.
- To get your claims settled successfully, you need to have effective communication with your chosen insurance provider. Even right from the onset, all clauses and elaborate details must be stated clearly so that when the time comes, a smooth, hassle-free insurance claim takes place.
- The police report is an important requirement when filing for an insurance claim in the UAE. As soon as the accident occurs, attempt to emergency park your car to the side of the road to avoid inconveniencing other commuters on the road, turn your hazard lights on, assess the damage and immediately call the police on 999. Make sure you have your driver’s license, car registration papers and Emirates ID ready in your possession. The police will inspect the accident scene and the damage to the vehicles. Accordingly, a green or red paper is handed to both drivers comprising of the accident summary and contact information of the drivers. Alternatively, you can also send the necessary details through the Dubai Police app and can expect to receive a damage report message quite promptly.
- You need to get in touch with your insurance company as soon as possible. They will then advise you to send across all vital information of the accident and provide the necessary documents like a photocopy or picture of the green or red paper via your mobile phone. Once the insurance provider has all the details, you can ensure the smooth and quick processing of your claim.
- You can give your insurance claim support more weightage by taking a few pictures of the accident scene including damages and dents on your vehicle or even other bodily injury. Another option is to present dashboard camera footage which could also be a crucial deciding factor when it comes to accident investigation undertaken by the authorities and your insurance company.
- Reviewing your insurance policy a couple of times over can help you get a better idea of what is covered and what is excluded in your contract. When it comes to your final settlement, understanding the policy terms and conditions will definitely give you an edge when negotiating with the auto insurance agent.
- Do not delay the claim process. Once the accident is assessed by the police and you are handed the colored slips, immediately file a claim. Remember, if you do not file a claim within a certain time period, it may just be considered void. And even after the claim has been submitted, stay in touch with the auto insurance agent by diligently following up to get the most when you are filing for car insurance claim in the UAE.
- When in an accident, don’t make any hasty assumptions or come to any final conclusions about who is responsible for the unfortunate mishap. The police will evaluate the situation after carefully taking into consideration the information bits provided by both drivers, different scenarios and conditions as well as the photo evidence or dashcam footage before handing out the red or green paper. So stay calm, do not argue with the authorities and the verdict might just be favorable for you.
- When it comes time for the initial claim settlement, many insurance companies might attempt to offer you the least payout amount. However, we advise you to carefully review your policy and even maybe run it by a friend or family member who is well-experienced in the matter to see if your claim is worth more than the provider is giving you. If it in fact, is lower than what your worth is, you can renegotiate your claim settlement with the auto insurance agent, legally.
- Once the insurance company has processed all claims, you will need to sign on the dotted line on a document. Do not proceed without first reading through the whole document thoroughly, even the fine print. And if you have the slightest hesitation about the content it entails, iron out the details and clear any doubts with the auto insurance agent first before putting pen to paper and signing any documents. It is important that you understand what you are truly paying for else you might have to spend your own money for repairing the automobile damages.
When applying for a car insurance, you need to make sure that the benefits offered by the different companies are favorable to you especially in times of an accident and claim. So, in order to get the most out of your insurance policy, we advise you to follow all of the aforementioned dos and don’ts for filing a car insurance claim in the UAE. By adhering to these pointers, you can be assured a smooth and fast claim process from your automobile insurance provider. And if you are a new driver looking for the best insurance companies on the block or an experienced one simply looking to change your current provider, head to BankOnUs today for the best deals and providers in the UAE.