Claim Car Insurance for a Car Accident in Abu Dhabi

Claiming Car Insurance after Car Accident in Abu Dhabi

Understanding the Claim Car Insurance for a Car Accident in Abu Dhabi insurance process after an accident in Abu Dhabi is crucial for ensuring a smooth and efficient resolution. Acting promptly and following the correct procedures can help you receive fair compensation and get your vehicle repaired without unnecessary delays.

After a car accident in Abu Dhabi, stay calm. Call the police and file a report. Then, grab your car documents, insurance info, and (if possible) photos of the damage. Finally, contact your insurance company to start your claim – they’ll handle the rest.

Dos and Don’ts of Preparing Car Insurance Claims in Abu Dhabi

The DO’S of Preparing Car Insurance Claims in in Abu DhabiThe DON’TS When In A Car Accident in Abu Dhabi
1. Call the Police: Do this immediately to get a clear report of the accident.
Police 999
Ambulance 998
1. Don’t Run or Drive Away From the Scene: Leaving the scene can cause your claim to be rejected and may result in legal trouble.
2. Take Pictures: Capture the damage, injuries, and overall accident scene.2. Do Not Lose Control or Speculate: Stay calm and stick to the facts to avoid false accusations or regrettable confessions.
3. Take Down Names and Numbers: Record details of all involved parties and any witnesses.3. Don’t Negotiate With Other Drivers Involved: Avoid discussing settlements or blame with other drivers at the scene.
4. Inform Your UAE Insurance Company: Report the accident to your insurer promptly with all necessary details.4. Don’t Accept an Immediate Settlement or Sign a Waiver: Have offers and waivers reviewed by an expert before agreeing.
5. Go Through Your Policy Document: Understand your coverage, exclusions, and terms.5. Don’t Admit Fault: Avoid admitting fault or liability at the scene of the accident. Let the authorities determine responsibility.
6. Be Honest: Always provide truthful information to the police and your insurance agent.6. Don’t Delay Medical Attention: Seek immediate medical attention for any injuries, even if they seem minor. This is crucial for your health and your claim.
7. Save All Receipts: Keep records and receipts of all expenses related to the accident.7. Don’t Forget to Document Conversations: Keep a record of all communications with your insurer, including names, dates, and what was discussed.
8. Collect Case Documents: Obtain a copy of the police case record to support your claim.8. Don’t Overlook Follow-Up: Regularly check the status of your claim and respond promptly to any requests for additional information.
9. Seek Legal Advice: If necessary, consult a lawyer to help navigate complex claims or disputes with the insurance company.9. Don’t Ignore Deadlines: Be aware of and adhere to any deadlines for filing claims or submitting documents.
10. Keep a Personal Accident Log: Maintain a personal log of events, symptoms, and expenses related to the accident for your records.10. Don’t Settle for Less: Don’t accept a settlement that doesn’t fully cover your damages and losses. Negotiate if necessary.
Preparing Car Insurance Claims in Abu Dhabi
Dos and Don'ts of Preparing Car Insurance Claims in Abu Dhabi
Dos and Don’ts of Preparing Car Insurance Claims in Abu Dhabi

Immediate Actions After an Accident

Ensure Safety

  • Check for Injuries: Ensure that everyone involved is safe. If there are injuries, call for medical assistance immediately.
  • Secure the Accident Scene: Turn on your hazard lights and use warning triangles to alert other drivers and prevent further accidents.

Contact Authorities

  • Call the Abu Dhabi Police: Immediately report the accident to the Abu Dhabi Police. A police report is essential for your insurance claim. You can contact the police at 999.

Gather Information

While waiting for the police, collect the following details:

  • Names and contact information of the other driver(s) involved.
  • Insurance details of all involved vehicles.
  • Take pictures of the damage to all vehicles and the surrounding scene.
Immediate Actions After an Accident
Immediate Actions After an Accident

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Contacting Your Insurance Company


  • Contact Your Insurance Provider: Notify your insurance company as soon as possible after the accident, ideally within 24 hours. Prompt notification can expedite the claim process.

Claim Notification

  • Methods of Notification: You can notify your insurance company through various methods:
    • Hotline: Call your insurance company’s hotline.
    • Online Claim Form: Submit a claim form via the company’s website.
    • Branch Office: Visit a branch office in person.
Contacting Your Insurance Company
Contacting Your Insurance Company

Required Documents

Ensure you have the following documents ready for your car insurance claim:

  • Police accident report
  • Vehicle registration card (Mulkiya) for all involved vehicles
  • Driving licenses of all drivers involved
  • Proof of insurance for all vehicles involved (policy documents)
  • Pictures of the accident scene and vehicle damage
  • A copy of your Emirates ID

The Claim Process

Claim Assessment

Your insurance company will review the details, police report, and photos to determine fault and assess the extent of coverage.

Repair Options

Depending on your policy and the damage, your insurance company might recommend specific repair shops or networks.

Claim Approval and Settlement

Once your claim is approved, the insurance company will handle the repairs or provide compensation based on your policy. This can include direct payment to the repair shop or reimbursement to you.

Additional Considerations

Policy Coverage

  • Review Your Policy: Understand your coverage limits and exclusions by reviewing your car insurance policy documents. Coverage might include repairs, third-party liability, personal injuries, and roadside assistance.


  • Understand Deductibles: A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. Ensure you understand how this affects your claim amount.
  • Seek Legal Advice: If complexities arise regarding fault or compensation, consider seeking legal advice to protect your interests.

Types of Car Insurance in the UAE and How It Works

Types of Car Insurance

  1. Third-Party Liability Insurance
    • Description: Mandatory by law, covers damages to other people’s property and injuries to others caused by your vehicle.
    • Coverage:
      • Damages to third-party vehicles and property.
      • Medical expenses for third parties.
    • Limitations: Does not cover your own vehicle or injuries to you.
  2. Comprehensive Insurance
    • Description: Offers broader coverage, including third-party liability and damages to your own vehicle.
    • Coverage:
      • Damages from accidents, fire, theft, and vandalism.
      • Personal accident coverage for driver and passengers.
    • Limitations: More expensive, with specific exclusions and conditions.
  3. Third-Party, Fire, and Theft Insurance
    • Description: Covers third-party liability plus fire and theft damages to your vehicle.
    • Coverage:
      • Third-party liability.
      • Fire and theft damages.
    • Limitations: Does not cover collision damages to your vehicle.
  4. Enhanced Comprehensive Insurance
    • Description: Upgraded comprehensive insurance with additional benefits.
    • Coverage:
      • All comprehensive benefits.
      • Roadside assistance, personal belongings, replacement car service.
    • Limitations: Higher cost but extensive protection.


Claiming car insurance after an accident in Abu Dhabi involves several key steps. Prioritize safety, act promptly, and keep clear documentation to ensure a smooth claim process. For further assistance, refer to the emergency contact details for the Abu Dhabi Police and your insurance company.

In case of an emergency, you can call the following numbers while anywhere in the UAE: 999 for Police. 998 for Ambulance. 997 for Fire Department (Civil Defence)

  • Abu Dhabi Police Emergency Contact: 999
  • Abu Dhabi Police Website: Abu Dhabi Police
  • Insurance Company Contacts: Refer to your insurance policy documents for contact details.

Frequently Asked Questions (FAQs)

Q: How soon should I contact my insurance company after an accident?

Answer: It’s best to contact your insurance provider within 24 hours of the accident.

Q: What if I don’t have all the required documents?

Answer: Contact your insurance company to discuss alternative options or next steps.

Q: Can I choose any repair shop for my vehicle?

A: Your insurance policy may have preferred or network repair shops. Check with your insurance provider.

Q: What if the other driver is at fault?

Answer: Your insurance company will handle the claim process and seek compensation from the other driver’s insurance.

Q: How long does it take to process a claim?

Answer: The processing time varies depending on the complexity of the claim and the insurance company’s policies. Contact your insurer for an estimated timeline.

By following these guidelines, you can navigate the car insurance claim process efficiently and ensure your vehicle is repaired or compensated appropriately.

Q. If his insurance company has the worst garages to fix my car, what are my options?

  • Answer: You have the right to request repairs at a garage of your choice. Contact your insurance company and inform them about your preference. They may negotiate with the other driver’s insurer to cover the repair costs at your preferred garage.

Q. If I choose a good insurance coverage, and the other driver happened to choose the cheapest policy he could get, does this mean I have to use his insurance only?

  • Answer: No, you do not have to use the other driver’s insurance if you have comprehensive coverage. Your own insurance can handle the repairs, and they will recover the costs from the other driver’s insurance company.

Q. His coverage is third-party and mine is comprehensive. Is this important to mention?

  • Answer: Yes, this is important. Since you have comprehensive coverage, your insurance can cover the repair costs upfront and then seek reimbursement from the at-fault driver’s third-party insurer. This ensures better repair quality and quicker service.

Q. If I damage my own car, can I claim on my insurance?

  • Answer: Yes, if you have comprehensive insurance, you can file a claim for damages to your own car, regardless of fault. Comprehensive coverage includes accidents, theft, fire, and other incidents involving your vehicle.

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