Third-party car insurance is a mandatory requirement in the UAE, offering financial protection if you cause damage to another vehicle, person, or property. However, if you ever need to file a claim under a third-party policy, it’s essential to follow the right steps to ensure a smooth and hassle-free process.
Here’s a step-by-step guide on how to file a third-party car insurance claim in the UAE.
1. Report the Accident Immediately
In the UAE, it is legally required to report any road accident to the police, no matter how minor. Call 999 or use the Abu Dhabi Police or Dubai Police app to report the incident. You will receive a police report, which is essential for filing your insurance claim.
2. Gather Important Details
Before leaving the accident scene, collect the following information:
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The name, contact details, and insurance provider of the other party involved
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Photos of the accident scene, including vehicle damage and license plate numbers
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A copy of the police report, which will indicate who is at fault
3. Contact the Third-Party Insurance Provider
If another driver caused the accident, you need to file a claim with their insurance provider. You can find their insurance details on the police report. Call the insurer’s claims department or visit their website to initiate the process.
4. Submit the Required Documents
The insurance provider will ask for specific documents to process your claim. These usually include:
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The original police report
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Your vehicle registration card (Mulkiya)
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A copy of your Emirates ID
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Photos of the accident and vehicle damage
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A claim form (provided by the insurer)
5. Get the Vehicle Repaired
Once your claim is approved, the insurer will direct you to an authorised repair workshop. If your car is not at fault, the third-party insurer should cover the repair costs. However, third-party insurance does not cover your own vehicle damage, meaning you’ll need to pay for repairs yourself unless you have a comprehensive insurance policy.
6. Follow Up on Your Claim
Processing times vary, but most insurers in the UAE aim to resolve third-party claims within a few days to a couple of weeks. If there are delays, follow up with the insurer to check on the status of your claim.
Final Thoughts
Filing a third-party car insurance claim in the UAE is straightforward if you follow the proper steps. The key is to report the accident immediately, keep all necessary documents ready, and communicate with the insurance provider efficiently.
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