Parking in Dubai can be a challenge, whether you’re squeezing into a tight mall spot or navigating a crowded public parking area. Unfortunately, minor accidents, scratches, and dents are all too common in parking lots. But what happens if your car gets damaged while parked? Will your car insurance cover it? Let’s break it down.
When Is Parking Lot Damage Covered by Car Insurance?
1. If You Have Comprehensive Car Insurance
Comprehensive car insurance covers a wide range of damages, including those that happen in parking lots. Whether another driver hits your parked car and flees (hit-and-run) or a shopping cart leaves a scratch, comprehensive insurance can cover the repair costs.
2. If Another Driver Is at Fault and Identified
If another driver damages your car and they’re identified, their insurance should cover the cost of repairs under third-party liability insurance. However, if they drive away without leaving their details, you’ll need to rely on your comprehensive coverage (if you have it).
3. If It’s a Vandalism or Theft Incident
Parking lots aren’t always secure and cases of vandalism, key scratches, or even stolen car parts can occur. A comprehensive insurance policy will typically cover such incidents. If you have third-party insurance, however, you’ll need to cover these expenses yourself.
When Is Parking Lot Damage Not Covered?
1. If You Have Third-Party Insurance Only
Third-party car insurance is mandatory in the UAE but only covers damage you cause to others. If your car is damaged in a parking lot and you only have third-party insurance, you’ll have to pay for repairs out of pocket.
2. If There’s No Proof of What Happened
Insurance companies usually require evidence, such as CCTV footage, a police report, or witness statements. If there’s no proof of how the damage occurred, your claim might be rejected.
3. If It’s Minor Cosmetic Damage Below Your Deductible
Most policies have a deductible, the amount you must pay before the insurer covers the rest. If the repair cost is lower than your deductible, you’ll need to pay for it yourself.
What to Do If Your Car Is Damaged in a Parking Lot
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Check for Witnesses or CCTV Cameras – Look around to see if anyone witnessed the incident or if cameras recorded it.
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Call the Police – In Dubai, even minor accidents require a police report to file an insurance claim. You can get one through the Dubai Police app.
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Inform Your Insurance Provider – Report the damage as soon as possible with all the necessary details.
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Take Photos – Capture clear images of the damage and surroundings for proof.
Final Thoughts
If you have comprehensive car insurance in Dubai, your policy will likely cover parking lot damage, whether it’s from an accident, vandalism, or a hit-and-run. However, if you only have third-party insurance, you’ll need to pay for repairs yourself unless the at-fault driver is identified.
For hassle-free car insurance in Dubai, whether comprehensive or third-party, check out Shory. Get covered instantly and drive with peace of mind!
For any questions, call 800 SHORY.
