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The Essential Guide to Filing Your Insurance Claim!

Navigating the motor insurance claims process can seem overwhelming, but it doesn’t have to be. Whether you’ve experienced a minor or a major accident, understanding how to file your claim efficiently can make a significant difference

in getting the compensation you deserve. 

Here’s a step-by-step guide to help you through the process: 

Ensure Safety and Gather Information 

Immediately after an accident, your priority should be safety. Ensure that everyone involved is safe and call emergency services if necessary. Once safety is secured, gather essential information: 

– Personal Details: Exchange names, addresses, phone numbers, and insurance details with all parties involved. 

– Vehicle Details: Note the make, model, registration number, and any visible damage to the vehicles involved. 

– Accident Details: Document the time, date, and location of the accident, along with a brief description of what happened. Check on everyone involved in the incident, both in your car and other vehicles, to ensure they are unharmed. 

Witness Information: If there are any witnesses, collect their contact information. If another driver flees the scene, attempt to record their license plate number to give to the Police upon arrival. 

Alert the Authorities 

– Call 999 and inform the operator that you’ve been involved in a crash and need police assistance. Provide your location. 

-Request an ambulance if any injuries or suspect medical attention is needed. 

-Have your driving license, car registration, and Emirates ID or passport ready for verification. 

If possible, take photos of the damage to your vehicle. However, to prevent privacy issues, do not photograph individuals in other vehicles. Ensure you have permission if you need to take pictures of people. 

Notify Your Insurance Company 

Contact your insurance provider immediately to report the accident and file a claim. Ensure your descriptions are honest and precise, as discrepancies can lead to complications or denial of your claim. If you are insured with Al Wathba Insurance, register your claim through our mobile application here: or contact customer care 600 50 40 40. Timely notification is crucial, as delays can affect the outcome of your claim.  

Submit Supporting Documents 

Along with the claim registration, please submit all required documents, including:

– Photos of the accident scene

– Police report

– Vehicle registration (Mulkiya front and back)

– Driver’s license (front and back)

– Emirates ID   

Follow Up on Your Claim 

Stay in regular contact with your insurance provider to track the progress of your claim. Be prepared to answer any additional questions they may have and provide further documentation if needed. 

Get Your Vehicle Assessed 

Your insurance company will likely require an assessment of your vehicle’s damage. They may send an adjuster to inspect the car or direct you to an approved repair shop for an estimate. Cooperate fully to ensure a smooth and speedy assessment process. 

Repair Your Vehicle 

Once your claim is approved, you can proceed with repairing your vehicle. Choose a repair shop that is either recommended by your insurance company or one that you trust. Ensure all repairs are documented, and receipts are kept for your records. 

Receive Your Settlement 

After all documentation is reviewed and repairs are completed, your insurance company will process your claim and issue the payment days on the assessment. This settlement will cover the costs outlined in your policy, such as repair expenses, medical bills, and other covered damages. 

 By following these steps and understanding the process, you can ensure that your claim is handled efficiently, and you receive the compensation you need to get back on the road. Remember, your insurance provider is there to assist you, so don’t hesitate to contact them with any questions or concerns. Safe driving! 

Road Accidents Procedures  

Report the Accident: You can conveniently report road accidents and request a police report online through Dubai Police. Click here to access their services. 

File a Report with SAAED: For ease and efficiency, you can file your accident report with SAAED online. Click here to access their portal and complete the necessary steps. 

Get in Touch

Feel free to contact us any time. We will get back to you as soon as possible