Claims Process In Event of An Accident

To file your car insurance claim, you must follow a simple procedure for claim process. Timely communication with proper reports is what you need for quick claim settlement.

If you are the one who has just had a car accident, the first thing to do is to maintain your calm and confirm the safety of the people that are involved. Warn oncoming traffic by activating the warning flash lights.

Here are the steps to be followed in the event of a vehicle accident.

• Step 1: Report the accident

  In case of an accident, call the police at once and report details of the crash site. in the meantime, you can examine the damage to your car and capture pictures of the damage or any bodily injurers and the overall crash scene. The evidence will support your insurance claim and will be helpful for future records.

  Wait for the police to arrive on the spot and refrain from arguing with the other driver. Be sure to jot down the names and numbers of those involved in the collision, and their car registration numbers. And make sure you include contact details of any witnesses who saw the accident or its consequences.

• Step 2: Get the police report

  The police will prepare the report including names, contact details and registration numbers of vehicles involved. Both drivers receive a green or red paper with the accident summary and contacts numbers. Once the report is obtained on your phone or handed over to you directly in case of serious accidents, cross-verify to ensure the details are correct. Irrespective of the loss or damage you have suffered, the police report is a mandate in order to file a claim for insurance in UAE.

  Use the Dubai police mobile app that makes it easier for you to file a police report. (If you are in Abu Dhabi, you can report about the crash through the Saaed App and the Rafid App in Sharjah.)

• Step 3: Notify your insurance company

  It is important to inform your insurance company about the accident and damage as soon as possible. Failure to inform them within the first few days could be a reason for turning down your claim. The insurer will request you to send the police report 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 on the further course of action.

  Once the claim is submitted, you will receive an SMS providing the claim reference number and contact details of the workshop for service as per your policy coverage. Follow the instructions provided by the insurance agent for repairing the vehicle.

• Step 4: Get your car repaired

  Your insurer will request you to take your car to the nearest or authorized service centre/workshop/garage, where they would give you a repair estimate. Take your vehicle to the repair workshop and you will be informed when your car is ready for pick up.

• Step 5: Review your insurance policy terms and conditions

  Thoroughly go through the policy to gain insight into the inclusions in your policy and the coverage amount. Your better understanding of the policy terms will help you discuss better the final settlement of expenses claim with the insurance agent.

• Step 6: Pay any excess

  An excess is an amount you may have to pay in the event of a claim. Many policies include an excess. This is the amount you have to pay if you decide to make a claim on your policy. It’s a way of you accepting a small portion of the risk yourself.

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