Accidents in UAE Without Car Insurance: Consequences

With so much traffic on the road, the risk of getting into an accident is always high. No matter how careful you are while driving on the road, you just cannot control how other people drive their vehicles. Every driver's worst nightmare is getting into an accident. Accidents not only cause significant damage to the car but may also cause personal injury to you or others involved in the accident.

You can reduce the stress and worry of getting into an accident by insuring your car. Like other parts of the world, car insurance is mandatory in the UAE, including Dubai. If your car is uninsured, you will have to face severe consequences as per the strict law of the UAE.

If you get into an accident and your car is not insured, you are going to face a lot of heat from the police, not to mention a heavy financial burden on your pocket for fixing your car and paying fines for being uninsured. This article will talk about what happens if you get into an accident in the UAE without having automobile insurance. We will look at this scenario from a different perspective. 

REPERCUSSIONS OF NOT HAVING CAR INSURANCE

As already mentioned, it is compulsory to have insurance on your vehicle in the UAE. You cannot drive your car on the road without insurance, or you will get into trouble. There is a hefty fine of AED 500 for driving without insurance. Moreover, the police will impound your car and give penalty points that will go into your driving record.

If you have penalty points on your driving record or license, car insurance companies charge more in that case as you are seen as a high risk. So, if you are uninsured, you should immediately find a good insurance company and get your car insured instead of taking such a huge risk.

GETTING IN A CAR ACCIDENT WITHOUT HAVING INSURANCE

If you are driving in Dubai or any other part of the UAE and get into an accident without having insurance, apart from heavy fines, there are other things that you need to worry about. The extent of trouble depends on whether you are responsible for the accident or not. Depending on the extent of your involvement in the car accident, you will have a heavy toll on your pocket, along with legal repercussions from the third party. Let's look at both scenarios:

WHEN YOU ARE RESPONSIBLE FOR THE ACCIDENT

What is the worst thing possible that can happen to a driver in the UAE? Getting into an accident without being insured and, on top of that, being responsible for it. Your nightmare begins with you being responsible for all the expenses incurred by the third party. Not only will you be liable to pay for all the damages caused to the third party's car, but in case of injury, you will also have to pay their medical bills as well.

Moreover, whatever damage is caused by your car, you will be responsible for it and pay for everything. If you don't have sufficient money to cover all the expenses of the third party, then the police will have no other choice than to transfer the case to a UAE court. You will have to appear in front of a judge, and he will put you on a payment plan to pay for all the damages.

Apart from this substantial financial burden on your pocket, you will also have to pay heavy fines for getting into an accident, along with not having proper insurance on your vehicle. Your license may also get suspended for not having insurance and getting in a car accident.

WHEN YOU ARE NOT RESPONSIBLE FOR AN ACCIDENT

In case you do not have car insurance but are not responsible for causing the accident, you will only be held liable for not having insurance and will have to pay fines for it. The third party's insurance company will pay for any damage caused to your car and your medical expenses.

An important thing to note here is that the police may not give you full coverage as a punishment for not having insurance. It means you will have to pay some amount from your own pocket to get your car fixed even though you were not responsible for causing the accident.

WHAT HAPPENS WHEN AN UNINSURED DRIVER HITS YOU?

Now let's talk about a different scenario. Let's assume you are fully insured, and you get hit by an uninsured driver who also happens to be at fault. In that case, your insurance company will pay for all your damages for the time being, may it be hospital bills, or the amount needed to fix your car. Then the cost will eventually have to be paid by the other driver, and he may be put on a payment plan if he cannot pay the full amount at once.

Wrap Up

It concludes our article. PitStopArabia requests all car owners to act responsibly and get car insurance right away. It will save you from a world of financial and legal troubles. If you are not a UAE citizen, you may even be deported for driving without insurance. If you are looking for insurance, you can get it through PitStopArabia. All you need to do is visit our car insurance page and enter the required information. If you have any questions or suggestions regarding the above content, please let us know. Thank You.