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Accidents can happen at any time and anywhere. On the contrary, if you are the person who has recently been confronted with an accident, the principal activity is to resist the urge to panic. Try to get an insurance claim. You have to follow a straightforward methodology to record a case. Look at what you ought to do after an accident.

Stage 1: Inform the Police

At the hour of the accident, call the police and then, you can analyze the harms on your vehicle. Utilize the Dubai Police versatile application that makes it simpler for you to document a police report. Regardless of how much misfortune or harm you have endured, to document a case for protection, police reports are an unquestionable requirement to make. When the police make a report, you will get it on to your telephone through a message or text or the police will tell you straightforwardly if there should be an occurrence of a serious accident. Both the police and your insurance agency need the report to cover the details of the accident alongside significant data of one or both the drivers.

Stage 2: Notify your insurer right away

It is imperative to illuminate your insurance agency about your accident so you can go for a claim. They'll require your police report sent through your email, and the strategy number, which can be taken from your vehicle enrollment card. In view of your condition, your insurance agency guides you for the subsequent steps you need to take. Your insurer will demand you to take your vehicle to the closest or approved service center. From that point, they will seek after the rest of the matter. It's imperative to comprehend what's there in your insurance policy and what you're allowed to so you don't need to pay more than what's required. Except if you're secure with any paperwork, don't sign the documents. It could be desk work of the other driver or vehicle. Get your questions cleared on each point of coverage, so you don’t get piled up with a huge bill at day’s end.

Stage 3: Capture photographs of your damaged vehicle

For making the insurance claim to be enough, take photos of the occurrence of your vehicle crash. It will be used as a reporting procedure for an accident in the UAE. It will fortify your vehicle protection guarantee and be helpful for future records.

Stage 4: Go through your protection strategy

Just to be more certain about guaranteeing the ideal insurance policy claims, it is advised to go through your insurance policy plan again. It will give you an idea about what is covered and excluded in your arrangement. At the point when you comprehend your policy terms, it will help you in settling with the insurance agent during your last settlement of protection claims.

When should one file a motor insurance claim in UAE?

The insurance claims can be filed under the following circumstances:

In case the policy holder suffers gruesome injuries during the accident

It should be noted that you can only opt for an insurance claim provided that your motor insurance policy contains collision or accidental coverage.

If the car of the policy holder suffers damage due to the accident

For damage caused by the opposing car, you will be recompensed by a third-party liability cover whereas if you are the one responsible for the damage then only having comprehensive insurance can get you compensated for the damage.

Steps to follow while filing your car insurance claim

1. For accidental claims

In such cases, the first thing is to not panic. Make sure you move your car to a safer place. Alerting the traffic can be quite helpful as well. Finally contact the police or a towing service in case your vehicle is badly damaged. Get in touch with your insurance provider.

2. In order to register your insurance claim

Make sure you have the original copy of your police report. Have a valid UAE driving license. Also have your vehicle registration copy with you which is required to show as a proof.

Documents that are required for a car insurance claim:

- Police report

- Vehicle registration papers

- Certificate for car medication ( provided you have one )

- Driving License

- Claim form issued by the insurance company

Conclusion

Generally most of the car insurance companies follow the above steps in the UAE. Although it is advised that one assess their respective policy terms and conditions while purchasing the policy. This makes it convenient to file the claim when needed.

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