Accidents on the road can happen to anyone. If you are the one who has just faced a car accident, the first thing to do is remain calm. Make sure to get an insurance claim. You need to follow a simple procedure to file a claim. Check out what you should do after a car accident.
Step 1: Inform the Police
At the time of the accident, call the police and meanwhile, you can examine the damages on your car. Use the Dubai Police mobile app that makes it easier for you to file a police report.
No matter how much loss or damage you have suffered, to file a claim for insurance, police reports are a must to make.
Once the police create a report, you will get it on to your phone via message or text or police gives you directly in case of serious accidents. Both the police and your insurance company need the report to cover the details of the accident along with important information of one or both drivers.
Step 2: Notify your insurer immediately
It is important to inform your insurance company about your accident so you can file a claim.
They’ll need your police report sent through your email, and the policy number, which can be taken from your car registration card.
Based on your policy, your insurance company guides you for the next step to take. Your insurer will request you to take your car to the nearest or authorized service center. From there, they will pursue the rest of the matter.
It’s a requisite to know what’s there in your policy and what you’re permitted to so that you don’t have to pay more than what’s required.
Unless you’re sure about any paperwork, don’t sign the documents. It could be paperwork of the other driver or vehicle. Get your doubts cleared on every point of coverage, so that you’re not stuck with a hefty bill at the end of the day.
Once the police report is issued, there’s no point to remain in contact with the other driver as either party has their own insurance and the insurers to contact in case of making the claims.
Step 3: Capture photos of your damaged car
For making the insurance report claim strong enough, take pictures of the incident of your car accident. It will be a reporting procedure for an accident in the UAE through the Dubai police app. It will strengthen your car insurance claim and be useful for future records.
If you’re in Abu Dhabi, you can report about the crash through the Saaed App and the Rafid App in Sharjah.
Step 4: Go through your insurance policy
Just to be more confident in claiming the desired settlement amount, it is recommended to go through your insurance policy once more. It will give you insights about what is covered and excluded in your policy. When you understand your policy terms, it will help you in negotiating with the insurance agent during your final settlement of insurance claims.
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Documents required to file a claim for car insurance
- Police report
- Driving license
- Car registration document (Mulkiya)
- Car modifying certificate (if any)
- Filled claim form