Discovering damage to your car, be it a scratch, dent, or more, without the other driver around can be frustrating and stressful. In the UAE, these “unknown traffic accidents” must be officially reported before you can proceed with any Accident insurance UAE or Motor claim process. This guide walks you through how to file an RTA accident report in every emirate, helping you protect your rights and get your vehicle repaired without delay.


Why You Must Report an Unknown Traffic Accident

• Legal requirement: UAE law mandates a police or authorised report for all traffic collisions, even minor ones.
• Insurance claim eligibility: Without an official report, insurers will reject claims under your comprehensive or Third-party insurance UAE policies.
• Evidence preservation: A timely report captures the accident details, such as location, damage photos, and your statement, before you

Immediate Steps After Finding Damage

• Determine the severity: Dial 999 right away if there are any serious injuries or damage.
• Secure the scene: Park safely, switch on hazard lights, and if possible, move your vehicle off the road.
• Gather evidence: Take clear photos of all damage, note the time and place, and record any witness contacts.
• Proceed with the correct reporting channel, as outlined below for each emirate.

Reporting in Abu Dhabi With the Help of the SAEED App

Dubai Police App

• Install Dubai Police (iOS/Android).

• From Services, choose Unknown accident.

• Review the info screen (including the AED 420 fee), then Proceed.

• Enter your: Vehicle plate and licence numbers ,Photos of damage and Mobile number (email optional)

• Submit and you will receive an electronic accident report to use in your Motor claim process.

At a Petrol Station

In the event that you are close to a gas station: 

• Visit any major petrol station in Dubai.

• Provide your vehicle plate, licence number, and phone number.

• The attendant files the report and sends you a confirmation SMS with a transaction number.

The service fee tends to be around AED 420.

Reporting in Sharjah: The Rafid App

Sharjah residents use Rafid for everything from minor repairs to unknown accident reporting:

• Download Rafid (iOS/Android).

• Open, enter your mobile number, and OTP.

• Tap Accident Reporting → Report unknown accident.

• Fill in: Vehicle details (plate, licence), Personal Informations(DOB, nationality, phone, email), accident location and description

• Upload copies of your driving license, Emirates ID, and vehicle registration (both sides).

• Add damage photos and hit Next.

An official report will be sent to you in 48 hours. If necessary, a brief check of your car could be done. 

The service fee is AED 400. 

Reporting in Ajman, Umm Al Quwain, Fujairah & Ras Al Khaimah: MOI App

For these emirates, the MOI app handles minor and unknown collisions:

• Use your UAE Pass to access the MOI app. 

• Go to Services → Report Accident Against an Unknown Person.

• Answer two questions: Injuries?(if yes, call 999 immediately), Can you move your vehicle?

• If you’re safe to proceed, fill in: Location and vehicle details, Fault declaration, Driving status at the timw

• Upload photos of your vehicle registration, driving licence, and damage.

• Tap Submit and note your report number for later.

This comes with a 400 AED service charge. 

At-a-Glance Fee Comparison


EmirateApp / LocationService Fee (AED)
Abu DhabiSAEED (iOS/Android)400
DubaiDubai Police app420
DubaiPetrol Stations420
SharjahRafid (iOS/Android)400
Ajman, UAQ, Fujairah, Ras Al KhaimahMOI app400

Filing Your Insurance Claim

• Get your RTA accident report. Any claim for third-party or accident insurance in the UAE must include this document.

• Since most insurers have a 24- to 48-hour notification window, get in touch with them as soon as you can.

• Follow the Motor claim process:

    1. Submit your accident report, claim form, and all relevant IDs.

    2. Provide repair quotations or workshop bills.

    3. Cooperate with your insurer’s surveyor for vehicle inspection.

Once approved, repairs are covered per your policy terms. For Third-party insurance UAE, only the other party’s damages are paid; for comprehensive plans, your own damage is included.

Tips for a Smooth Experience

With the help of timestamps, witness information, and photographs, document and keep track of everything.

• Use official apps rather than informal channels, this ensures your report is accepted by insurers.

• Keep digital backups of your report number and documents.

• Check policy deadlines, as late reporting can lead to claim rejection.

Conclusion

Reporting an UAE traffic accident when the other driver is nowhere to be found doesn’t have to be complicated. By following the right steps, via SAEED in Abu Dhabi, Dubai Police app, Rafid in Sharjah, or the MOI app in other emirates, you will secure the necessary RTA accident report, paving the way for a hassle-free Motor claim process. With your paperwork in order, 










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