When you are on the road, you never know when an accident strikes or a mishap happens. Luckily, motor insurance is mandatory in Dubai, and can protect you from the financial strain of such events.

But it is not always that simple.

Even if you have the best motor insurance in Dubai, you may get stuck on a small technicality during the claims process. Especially in the case of vehicular collisions, the first few hours after the accident are extremely crucial.

As a top insurance brokerage company in Dubai, we at Seguro Insurance have spent many years helping vehicle owners like you handle their motor insurance claims effortlessly and get their dues paid in the shortest possible time. In this blog, our Dubai insurance claims experts share with you the best tips on getting your motor insurance claims in Dubai processed as quickly as possible.

Let’s get started!

Tip 1:

Report to the Police Right Away

Let’s face it – it’s hard to keep your cool after a car accident, theft, or vandalism. 

But that’s exactly what is needed at that moment. 

After an accident, stay calm, get first aid as soon as possible, call an ambulance if needed, and report the situation to the police right away. 

Motor insurance claims in Dubai cannot be processed without a complete police report on the accident. So as soon as you can, use the toll-free helpline of the Dubai Police (901), or report using the Dubai Police app which is available on both Android and iOS app stores.

Specify the exact location, timing, and cause of the accident to the police. Explain the situation in detail without hiding any facts or lying. At the same time, you can also be honest about things that you are not very sure about. Since accidents happen in a flash, it can be hard to pinpoint the exact details right away. State what you know – but don’t make any statements based on guesses or assumptions.

Remember, “I don’t know” and “I can’t remember” are perfectly acceptable answers to some questions if you are being completely honest.

Tip 2:

Quickly Collect the Necessary Information

For an accident, you will have to furnish a lot of details to your insurance company in order for them to process your motor insurance claim in Dubai. Without wasting any time, note down the relevant information like – 

• the driver’s name and contact details, 
• his driver’s license registration number, 
• the color, make, model, and license plate of the vehicle he was driving, and 
• the contact information of anyone on the road who witnessed the accident when it occurred.

Click photos of the accident scene, including photos of your own vehicle that clearly show the damage, as well as photos of the vehicle with which your car collided. Also take a few photos of yourself as proof of the physical injuries you sustained, if any.

If you are not in good physical condition due to the accident, request people on the road or the other driver to click the photos, since images come in very handy when it comes to filing car insurance claims in Dubai.

Tip 3:

Contact Your Insurer As Soon As You Are Stable

As we said earlier, the first few hours after the crash are extremely crucial for motor insurance claims in Dubai. As soon as you stabilize, call your insurance agent or the insurance company’s helpline number to report the situation and seek their assistance in filing the claim.

Most insurance companies in Dubai now have an online portal to file claims, but it is still a good idea to explain the situation over a call and get their guidance for the next steps.

Once again, remember that honesty is the best policy. State only facts and try to be as clear as possible. Mention that you have already reported to the police and have collected the necessary details about the other vehicle, driver, and witnesses, from the scene of the accident.

Keep your motor insurance policy details handy, as well as other details like your Emirates ID, driver’s license, vehicle license number, vehicle modification certificate (if any), details on the location and timing of the accident, and the extent of damages/injuries.

Tip 4:

File Your Claim Along with the Necessary Documents

The following documents need to be furnished along with your motor insurance claim form to be submitted to your motor insurance company in Dubai:

1. Original copy of the complete police report of the accident
2. Names and numbers of those involved in the accident
3. Your vehicle’s license and driver’s license registration document (both sides)
4. License registration details of the other vehicles and drivers involved
5. A copy of your Emirates ID/passport
6. Proofs to support your motor insurance claim (photos, statements by witnesses, etc.)
7. Your motor insurance policy details

Before you file a claim, make sure that you know what your insurance covers and what it doesn’t. If required, get in touch with a legal advisor to understand the nuances of your motor insurance policy in Dubai.

Tip 5:

Save All Receipts Related to Your Claim

Once you file your motor insurance claim and deposit the vehicle for repairs with an authorized garage/dealer, the insurance company usually notifies the dealer directly once the claim is sanctioned.

However, if you have a Comprehensive Motor Insurance Policy in Dubai, it is recommended that you preserve all original receipts related to your claim such as receipts for vehicle repairs, medical expenses incurred for physical injuries sustained during the accident, any legal expenses incurred, and any amounts paid to affected third parties that can be reimbursed by your insurer.

Keeping proof of these expenses will fast-track your motor insurance claim in Dubai and keep the process streamlined and hassle-free for you at all times.

These important tips by our Dubai motor insurance experts can save your claim from being rejected, and can also speed up and ease the claims process for you.

We at Seguro Insurance can assist you in getting the best motor insurance policy in Dubai from trusted and reputed insurance companies in the UAE. We take an empathetic and client-focused approach when it comes to providing professional assistance in handling motor insurance claims in Dubai.

Learn more about us here, or get in touch with our team to explore how we can help you with your insurance needs!