A Guide to Filing a Vehicle Insurance Claim in the UAE
A Guide to Filing a Vehicle Insurance Claim in the UAE

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A Guide to Filing a Vehicle Insurance Claim in the UAE


Experiencing a vehicle accident is undoubtedly stressful, but having the right vehicle insurance coverage can significantly ease the financial burdens associated with such incidents. In the United Arab Emirates (UAE), where auto insurance is mandatory, coverage extends to medical expenses and vehicle repairs. This guide aims to provide a thorough understanding of the process involved in filing a vehicle insurance claim in the UAE.

What to Do After a Vehicle Accident:

  • Contact the Police: Immediately inform the police about the accident and secure an accident report. This report is crucial for filing a vehicle insurance claim and ensures fair compensation. Capture photographs of the damaged vehicle and any injuries sustained.
  • Contact Your vehicle Insurance Provider: With the police report in hand, promptly notify your vehicle insurance provider about the accident. Furnish them with all necessary details to expedite the claim processing.

Documents Required for Filing a vehicle Insurance Claim in the UAE:

To file a vehicle insurance claim in the UAE, you will need the following documents:

  • Police report
  • Vehicle registration document
  • Vehicle modifying certificate (if applicable)
  • Driving licenses of both drivers involved
  • Completed insurance claim forms provided by the insurance companies

Understanding Your vehicle Insurance Policy:

It is essential to thoroughly review your vehicle insurance policy to understand the terms, coverage, benefits, and exclusions. Familiarize yourself with the claim process and know the extent of coverage provided by your insurance policy. This knowledge will help you negotiate a fair settlement amount with your insurance agent.

When to File a vehicle Insurance Claim:

You can file a vehicle insurance claim in the UAE under the following circumstances:

  • Bodily Injury: If you sustain bodily injuries in the accident, inform your insurance provider immediately. Assess the total damage in accordance with your insurance policy before initiating a claim, noting that you can only file a claim if your insurance plan covers collisions or accidents.
  • Vehicle Damage: Seek compensation through third-party liability cover if your vehicle is damaged by another party. Conversely, if you are at fault, comprehensive vehicle insurance coverage is required for compensation. Comprehensive insurance plans cover damages caused by natural calamities as well.

The Claim Process:

Follow these steps to initiate and proceed with your vehicle insurance claim:

  • File the Claim: Submit the necessary documents, including the original police report and vehicle registration copy, to initiate the vehicle insurance claim.
  • Vehicle Assessment: Once the insurance company approves the claim, take your vehicle to an authorized dealer or garage for damage assessment and repair cost estimation. 
  • Repair Approval: The dealer or garage will assess the damage and provide a repair cost report to the insurance company.
  • Repair Work: Upon approval by the insurance provider, the authorized dealer or garage will commence the repair work.
  • Vehicle Collection: Once the repair work is completed, you can collect your vehicle from the authorized dealer or garage.


Filing a vehicle insurance claim in the UAE involves following a systematic process to ensure a smooth and efficient claim settlement. From contacting the police and notifying your insurance provider to submitting the necessary documents and getting the required repairs, understanding the steps involved is crucial. By familiarizing yourself with your vehicle insurance policy and adhering to the guidelines outlined in this guide, you can navigate the process with confidence and secure the compensation you are entitled to after a vehicle accident in the UAE.

For further assistance please contact Al Safar & Partners Law Firm at +97144221944, or by email at reception@alsafarpartners.com  –  www.alsafarpartners.com

Written by:

Mr. Touqeer Hussain – Case Manager at Al Safar & Partners Law Firm 

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