With daily driving and commutes on the roads, your car might unfortunately be involved in a traffic accident, even if you strictly adhere to traffic rules and exercise extreme caution. So, it's important to be prepared to file a car insurance claim correctly to get the appropriate compensation. In this article, we'll share some of the most important tips to assist you in this process.
Basic Steps to Follow After an Accident in the UAE
Stop Driving: Don't leave the accident site and stop safely as soon as possible.
Contact the Police: Notify the police immediately about the accident, and inform them if there are any injuries or significant damages. After the police arrive and inspect the accident, make sure to obtain a copy of the police report.
Exchange Information: Exchange basic information with the other parties involved in the accident, including their names, vehicle plate numbers, contact numbers, and insurance company details.
Document the Accident: Take photos and videos of the accident site and the damages to the vehicles from multiple angles. Also, make notes about the accident, including witness contact information if available.
Contact Your Insurance Company: Inform your insurance company about the accident as soon as possible and follow their instructions carefully.
Important Tips for Filing a Successful Insurance Claim
Understand Your Insurance Policy: It's essential to be fully familiar with the details of your coverage and the exceptions outlined in your insurance policy before filing a claim.
Gather Necessary Documents: This typically includes the police report, a copy of your insurance policy, photos of the damages, along with any other relevant documents.
Be Accurate: Provide accurate and complete information about the accident to your insurance company, and don't attempt to hide or distort any facts.
Follow Up on Your Claim: Stay in touch with your insurance company to inquire about the status of your claim and ensure that all necessary requirements are fulfilled.
Don't Hesitate to Seek Help: If you have any questions about the claims process or encounter difficulty in obtaining appropriate compensation, you can contact your insurance company and attempt to reach an agreement or file a complaint with the relevant authorities.
Steps for Filing a Vehicle Insurance Claim
You can follow the steps listed below to file a vehicle insurance claim:
Step 1: Notify Your Insurance Company of the Accident
You must report the accident and submit the required documents but if you’re insured with Shory, you can initiate 24x7 claims with us directly.
Step 2: Claim Assessment
Your insurance company begins the claim assessment process as soon as the necessary documents are submitted. They record the details of the accident, evaluate the situation, and then contact you to inform you of the next steps.
Step 3: Receive Claim Reference Number
Insurance companies usually send a text message within two to three working days from the start of the claim containing the claim reference number and contact details for the nearest repair workshop that suits your insurance policy and vehicle type. You can use this number to track the status of your claim at all stages.
Required Documents for Filing a Car Insurance Claim
You need to prepare all the correct details and documents to report the accident easily, and these documents typically include:
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Emirates ID
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Insurance policy number
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Police report or assisted report
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Vehicle ownership
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Driving license
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General accident details
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Claim form
Some Useful Tips to Remember
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The handling of claims varies somewhat from one insurance company to another, so always ensure to carefully read the procedures and requirements specified.
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Insurance companies usually impose deadlines for filing claims. Make sure to adhere to these deadlines to avoid rejection of your claim.
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Exercising patience and cooperation with your insurance company will help expedite the compensation process.
In Conclusion
By following these tips, you'll be able to file an insurance claim for your car with confidence, increasing your chances of success and obtaining appropriate compensation.
