What you should do and should avoid while submitting a car insurance claim in the United Arab Emirates?
When going through the claim procedures, you must check several things before making that claim to make an accepted request.
There are sound reasons for claim rejection: Accident report errors and other reasons that might render the claim to compensation.
So,you should know the policy's exact coverage before submitting the claim.
To verify all the information in the company's report to avoid such errors in the future.
What the insured can do if he is not convinced about the rejection reasons?
Here,he can file a complaint with the insurance company to address the matter and reach a settlement after submitting all supporting documents with evidence.
Is filling any insurance requires the same procedures?
Let's discover this,
each situation could have a different procedure relevant to its specific circumstances.
If the aggrieved is a car or property, the claim should go first to the default person who caused the damage instead of the insurer.
According to the terms stated in the insurance policy, this person would choose to compensate for the loss by himself or seek his insurer to contribute or charge the entire liability fully.
The aggrieved party should follow the above measured to claim compensation for liability and property loss.
According to UAE law, when it comes to bodily harm or personal injury,
The aggrieved person should file the claim to the insurance company directly. Based on this, the insurance company is to compensate the aggrieved immediately.
Once the insurance company has affected the insurance, and the Insured agreed to pay the applicable premium, the insurance company is committed to releasing the insured sum in the insured risk occurrence.
In this case, the insurance company must process the Insured claim according to the applicable law and policy wording.
What are the general insured obligations?
The Insured must benefit from the insurance sum, adhere to specific procedures and conditions previously agreed upon to get compensation against his risk.
Let's see the most important ones:
- ·To pay the Agreed upon Premium.
- To take the required procedures for protecting the insured motor vehicle from loss or damage and maintain the same in an excellent working condition.
- The insured shall remain the sole owner of the insured motor vehicle during the insurance period.
Which actions should the insured take and the other he must avoid if an accident occurs?
- If the motor vehicle breaks down, the insured shall not leave the insured motor vehicle or any part without taking the essential precautions for preventing the aggravation damages.
- If any accident may give rise to a claim according to the insurance policy's provisions, the Insured shall notify the concerned official authorities immediately. It shall inform the insurer and provide all related information about the accident without unjustifiable delay.
The company should know as soon as possible once they become aware of any lawsuit, investigation, or detection concerning the accident.
FTD Partners has insurance experts in various insurance claims.
Don't hesitate to contact us,
we will guide you on the right track.
