How To Claim Car Insurance In UAE After An Accident

If you have comprehensive automobile insurance and get into an accident, you can claim those damages. If the claim is accepted, your insurance provider will bear all the costs needed to fix your car. You won't have to pay for the damages out of your pocket. When we talk about ‘claim’, you need to understand that it is an application asking the company to pay for the damages and informing them about the accident.

If you are based in the UAE, you must know that driving without insurance is illegal and can open a world of legal troubles. So, ensure that you have valid car insurance before setting out to drive. If you are looking for automobile insurance, we recommend PitStopArabia. It is a reliable platform for all your insurance needs.

If you end up in a collision, you need to file a claim. Unfortunately, many people do not know the correct procedure. Resultantly, their claim process fails, and they must pay for all the damages. If you are residing in the UAE, you need to follow a specific procedure for a successful claim. You need to gather the correct documents for car insurance and submit them with all the accident-proof.

Previously the process was a bit hectic. However, the car insurance companies in the UAE have shifted to an online claim process. Now you can easily make a claim from your home instead of visiting the insurance provider. Once your claim has been processed and verified, the insurance company selects a car repair shop for your vehicle. This article will help you to make your claim process more straightforward.

HOW TO MAKE A CLAIM?

To claim after an accident in the UAE, several steps are involved. Moreover, it would be best if you had certain documents ready before making a claim. To make a smooth process of claim, you need to observe the following steps:

1. NOTIFY THE POLICE

After getting into an accident, you first need to get in touch with the police. Let the police know about the location of the accident. The police will investigate and assess who was at fault and how the accident happened. Later on, a copy of the investigation report will be provided by the cop. This report needs to be submitted to your insurance company, which helps assess the correct damage to your car.

2. GATHER PROOF

After informing the police, the next thing you need to do is gather proof yourself. You can do this by taking pictures and making videos of the accident from different angles, which will make your claim stronger.

3. UNDERSTAND YOUR INSURANCE COVERAGE

Before you contact your insurance agency and register a claim, you should first go through the terms and conditions of your insurance policy. Read your insurance policy thoroughly and make no room for rejection based on technicalities. Understand what sort of damages are covered and under what conditions. Prepare your claim accordingly to avoid getting rejected.

4. LET YOUR INSURANCE COMPANY KNOW

To start with the claim process, you need to report the accident to your insurance provider. The report prepared by you for the claim is submitted to the insurance company. You don't have to visit the office physically. You can submit the report through email or by phone as well. Essential documents required for a claim report include

• Car registration number
• Police report
• Details of insurance policy
• Driving license
• Claim form

5. CLAIM VERIFICATION

After you have submitted the claim form with all the documents mentioned above to your insurance provider, your insurance company then verifies all the documents and tries to assess the details of the accident. How? By studying the police report and any proof sent by you in some cases. Upon verification, the insurance company gets in touch with you.

6. REPAIR SHOP ASSIGNED

Once the insurance company has accepted the claim, they give you a list of repair shops from where you can get your car fixed and assign a reference number to you. If you get the car repaired from their list of shops, you don't have to pay anything. However, if you are not satisfied with those shops, you can get your car fixed from somewhere else as well.

It would be a wise idea to bring your car to PitStopArabia. Our shops are all across UAE, and our staff is highly professional and trained at fixing your vehicle. Your satisfaction is our top priority. However, you must pay for the repair cost out of your pocket if the shop is not on the list. You then need to submit the receipt to the insurance company for reimbursement. The company then refunds the money to your account.

Wrap Up

It concludes our article. If you have any questions in mind, please do not hesitate to contact us. Lastly, please ensure that your insurance is valid. Driving without car insurance is illegal and can result in legal issues. If you are a non-resident, you may be deported. So, get car insurance before getting behind the wheel. Thank You.