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Accidents and car damages are stressful, but knowing how to file a car insurance claim in the UAE makes the process much easier. Whether you are in Dubai, Abu Dhabi, Sharjah or any other emirate, the procedure is straightforward if you follow the right steps. This guide explains the process clearly so you can handle your claim with confidence.
Why Knowing the UAE Claim Process Matters
Many drivers in the UAE are not fully aware of what to do after an accident, which often leads to delays, rejected claims, or unnecessary stress. This lack of preparation became especially clear during the record rains of March and April 2024, when an estimated 100,000 vehicles were damaged nationwide (Source: Khaleej Times). The scale of these insurance claims not only strained insurers but also led to premium adjustments in 2025.
Situations like this show why it is essential for every driver to understand the car insurance claim process. Knowing the right steps in advance saves time, avoids complications, and ensures you receive the full benefits of your policy when you need them most.
First Steps After a Car Accident in Dubai or Other Emirates
The first action to take after any accident is to stay calm and ensure safety. In the UAE, you must immediately contact the police and obtain an official accident report. Without this report, your insurer cannot process your claim. Most emirates now offer smart apps that allow you to generate a police report digitally, making the process faster and more convenient.
Informing Your Insurance Provider or Broker the Right Way
Once you have the police report, contact your insurance company or your trusted insurance broker in Dubai. They will explain the next steps, confirm the documents you need, and guide you to the right garage or claims department. Having a professional broker on your side ensures the process is smooth and handled correctly.
Documents You Need to Submit a Claim in UAE
To avoid delays, keep these documents ready when submitting a claim:
- Copy of the police report
- Copy of the vehicle registration card (Mulkiya) front and back
- Copy of the driving license of the driver at the time of the accident front and back
- Copy of the Emirates ID of the driver front and back
- Photos of the damage or accident scene if available
These can usually be submitted through email, an online claims portal, or a mobile app provided by your insurer.
How Your Insurer Handles Vehicle Inspection and Repairs
After your claim is registered, the insurer will either ask you to bring the car to an approved garage or arrange collection if your policy includes this service. A surveyor will inspect the vehicle and prepare a repair estimate. Once the estimate is approved, repair work begins, and you will be informed of the expected completion timeline.(Source:Shory)
Understanding Deductibles and Claim Settlement in the UAE
If the accident is considered your fault, you will need to pay the deductible amount outlined in your policy before collecting your vehicle. If your car is declared a total loss, the insurance company will guide you through the compensation and settlement process according to your coverage.
When Your Vehicle Is Declared a Total Loss – What to Expect
In cases where the car cannot be repaired, your insurer will calculate the market value of the vehicle and provide settlement options. Having your broker assist in this stage ensures you understand the process and receive the correct payout.
Getting Your Car Back and Closing the Claim Successfully
Once the repair work is complete, you will be contacted to collect your car. If your policy provided a courtesy car, you will return it at this stage. Some insurers will also send a feedback form to understand your claim experience, which helps improve services across the UAE.
Tips for Hassle-Free Claims
- Always keep copies of your policy documents inside your vehicle
- Save your insurance company’s roadside assistance number in your phone
- Do not ignore even minor accidents since a police report is always required
- Work with a licensed car insurance broker in Dubai for expert guidance and faster approvals
Conclusion
Filing a car insurance claim in the UAE does not need to be complicated. By reporting the accident quickly, preparing your documents, and working closely with your broker or insurer, the process can be resolved without unnecessary stress. At UniTrust Insurance Broker, we support our clients every step of the way, from filing the claim to final settlement, ensuring you get back on the road with peace of mind.
