Do’s and Don'ts of Car Insurance Claims in Dubai

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Dos and Don'ts of Car Insurance Claims in Dubai
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• Accidents are uninvited guests in our daily life.
  Accidents can happen at any time, no matter how
  much careful we are. So If we are involved in an
  accident, what to do next is the important step
  that get us out of a lot of troubles. You need to
  be protected with adequate insurance covers to
  settle the loss keep in mind the accidents that
  can cause in your case.
• Here are some important steps that has to be done
  after we have been involved in an accident.

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Report the accident

• The first and foremost thing that has to be done
  once you met with an accident is to report it to
  the police. The police then inspects the accident
  scene and the vehicles involved. After this a red
  or green paper is given to both the drivers
  consisting summary of the accident and driver
  details. Keep in mind that a police report is a
  mandatory requirement for filing a vehicle
  insurance claim.

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Contact your car insurance provider

• The next step is to inform the car insurance
  provider when all parties are ready with all
  necessary documents. This must be done as soon as
  possible after the accident as delaying this may
  result in delaying of settlement charges or even
  denial. If you arent physically well, your
  relative or spouse can inform the agent on behalf
  of you.

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Take a picture of the damage

• Soon after considering everyone in cars safety
  into consideration, take pictures of damaged car.
  It can help make a strong case for your claiming
  process. It can also act as a secure process of
  reporting an accident in the UAE, such as via the
  Dubai Police app, In Abu Dhabi the Saaed App and
  in Sharjah, it's the Rafid App respectively.to
  report a crash.

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Examine your motor insurance policy

• You need to be clear about what all things are
  covered and excluded under your policy.
  Understanding the policy very well will avoid
  negotiation during the final settlement.

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Keep copies of related documents

• Make sure to keep your medical bills,estimated
  repair costs, accident report,and of course the
  vehicle insurance policy with you.
• Now let us move on to the steps that we must
  avoid during our motor insurance claims.

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Dont make any assumptions

• If you are involved in an accident, do not jump
  into an assumption that you are the one who is
  responsible for the cause of the accident. Just
  wait for the police to make the report, which may
  come in yours favour.

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Dont accept the initial claim settlement

• Most times car insurance companies will try to
  settle the claim with minimum payout. If you have
  properly reviewed your policy and if it worth
  more go and renegotiate till you claim your
  settlement.

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Dont sign the documents you know nothing about

• After all claims are processed and you are asked
  to sign any document, dont do it instantly.
  Instead thoroughly read and proceed if you feel
  safe. And don't forget to go through the fine
  print in the document sheet. Or else you will end
  up paying repair charges.

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Delay in approaching your insurance company

• Taking too much time to claim your car insurance
  in Dubai is not good as there is a chance of
  considering it as null. Also don't miss any calls
  or meeting with the agents after the submission
  of claim. As timely submission of your claim and
  frequent follow ups only does helps you in
  getting most of your claims.

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Thanks