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A car accident will simply take you to a disastrous level for your vehicle, finances, health, and well-being. However, if you already have suitable car insurance in Dubai and the UAE, you can easily make a claim and at the very least pay for all of the damages your vehicle has sustained.

We all know that filing a claim is, of course, simple! On the other hand, if this is your first experience filing car insurance online or offline claims, you will likely become confused throughout the procedure. How long does a motor insurance online or offline claim take will be one of the first doubts that pop into your head at that time. 

Not only this query, but also everything doubtful on your mind will be cleared here in the article, including when to file an insurance claim, how long it takes to process, how to expedite the claim process, and more. Additionally, you will get an idea of what is involved in the claim procedure as well as the context that could lead the claim process to be delayed.

How Soon Should You File a Claim?

In the context of a car accident and holding car insurance in Dubai and the UAE, it is very crucial to lessen the financial burden. You should consider the following factors if you file a claim:

• Are any other people involved in the collision?

The claim will fall under warranty if there were any additional vehicles, people, or properties involved in the collision. You can be eligible for a leeway discount if the accident affected no one else other than you. 

• Who is at fault here?

Regardless of who was at fault - you or the other driver - you should consider filing a motor insurance online or offline claim without any compromise. Your insurance provider will promise that you receive fair compensation if the other party is in the position of the defaulter. In contrast, if you are the defaulter, your car insurance provider will support you to pay for the harm you caused to the third party.

• Any injury?

If someone is hurt in the collision, you must initially provide first assistance - the aid, dial for an ambulance, and then file a claim right away.

• The harm incurred

Minor damages, such as dents over the bumper or paint scratches, can be covered with your own money. Concerning the no-claim incentive/bonus, this can be very helpful when your contract is up for renewal.

• What about the deductibles?

You can cover the damages on your own if the cost is lower than the deductibles. However, if you were the sole person in the collision, this situation would apply.

How Long Does it Take to Process a Car Insurance Claim?

Normally, it might take up to three weeks for a car insurance claim to be handled while the insurance companies in UAE check into the incident and the damage before paying you for the loss. At the same time, some insurance companies in Dubai and other emirates will provide you a straight estimate of the processing time in terms of days, such as 30 days for the claim settlement period.

The amount you are claiming and the claim type you are looking for both affect how long it takes for your car insurance claim to be processed. For example, processing a personal injury claim takes longer than processing a claim for property damage.

Types of Insurance Claims

Usually, insurance claims take longer to process the more complicated the situation. In addition, as there are several sorts of insurance claims from insurance companies in UAE that can be filed depending on a circumstance, one important factor that affects how long a claim for a car takes is the type of claim you are filing. The length of time it takes to settle a claim can vary because each type of claim has a different process. We should have patience when approaching the same.

The following types of insurance claims from insurance companies in Dubai and the UAE are based on how long it typically takes for them to settle, albeit the settlement period differs for each applicant:

• Claims processing more quickly - roadside assistance and glass replacement.

• Claims processing slowly - Total loss claim, medical claim, and physical damage claim.

Both the total loss claim and medical claim include larger monetary amounts and more parties and organizations like courts, police, and insurance companies in Dubai and other emirates.

What Parties Are Involved in the Claim Process?

A crucial factor in finalizing how long a claim that car insurance Abu Dhabi, Dubai, and other emirates offer usually takes is the number of parties involved in the process. The following parties are often associated with the process:

• Drivers allegedly at fault

• Insurance representatives from both parties 

• Specialists in auto repair

• Hospitals and medical personnel

• Attorney if any conflicts or lawsuits raise

Reasons for the Delay in Your Claim Settlement

Multiple reasons could put off the payout of your insurance claim from the insurance companies in Dubai and the UAE. The most common reasons are listed below:

• Miscommunication

In the context in which you share with the insurance provider false information regarding the accident, you are to blame for delaying and complicating the settlement of your insurance claim. So, try to share the right information without any compromise.

• Natural Calamity

Your claim for compensation for losses that happened as a result of natural disasters has a chance of getting delayed. There will be a chance that car insurance online and offline from the providers could get overloaded and take longer than usual to settle claims due to the heavy quantity of appeals that damages from natural calamities can produce in addition to your own.

Try to consider the following points in case you want to avoid delays in the processing of your car insurance in Dubai and the UAE claim:

• Present the Proof Right Away

In the context you get involved in an accident, ensure you capture pictures of the scene and note the date, time, and location of the incident. Undoubtedly, this can boost the claim process because the insurance companies in UAE won't have to work out all these specifics during the claim settlement process.

• Be prompt while filing your claim

The instant method to have your claim settled is to submit one to the insurance provider as soon as possible following the incident. Try not to waste your time!

• Be accessible for questions about insurance

Try to be available for answering queries about the insurance claim, in case the insurance provider demands more details to proceed with the steps instantly.

Policyhouse.com is one of the reliable and reputed insurance companies in UAE, offers numerous car insurance in Dubai and other emirates policies with stunning discounts. We professionally offer services, as we have earned rich expertise in the sector over many years.

From the 30,000+ policies issued online, you can simply compare and find the one that suits you. Our free registration assistance, super-simple claims, quick and easy processing, and dedicated customer support will never disappoint you.

The process of applying online with Policyhouse.com is very simple! Upload the details, check the quote, make payment, and get the policy. Our insurance experts are here to help you with all the details, including terms and conditions. Please feel free to contact us!