How to Claim Insurance for a Car Accident in Dubai a Step by Step Guide
If you are ever involved in a car crash in Dubai, understanding how to claim insurance for a car accident in Dubai is essential. Here, we’ll walk you through the steps to ensure you effectively manage the car accident procedure and insurance claim and receive the required assistance.
What to Do Following a Car Accident
- Check for Injuries: Make sure everyone involved in the accident is safe. If someone has bodily injury and needs medical assistance, call 999 for the police or 998 for an ambulance in the UAE.
- Move to Safety: If you can, move your car to the side of the road to prevent more accidents or traffic disruption. If your vehicle can’t move, turn on the hazard lights.
- Exchange Information: Exchange contact information and insurance details with the other driver involved in the accident.
- Photos of the Scene: Take pictures of the accident, including any vehicle damage and important signs or marks on the road, for reference in the accident report. Suppose it is unsafe to take photos on busy roads or in such a way that it may pose a danger to others. Then, only take pictures once the police arrive at the scene.
- Contact Authorities: If there are injuries, report the accident by calling the police at 999 or 901 for accidents without injuries.
How to Report Car Accident in Dubai?
- Call Emergency Services: In case of Personal injury or significant damage, call Dubai Police immediately. If the accident is minor and not life-threatening and there’s no property damage other than a car, You can also report it using the Dubai Police App.
- Provide Information: When reporting accidents on Call. Provide details such as location, number of vehicle involved, injuries, and hazardous conditions.
- Follow Police Instructions: During an accident, you should present yourself and cooperate with the police officers at the scene. Follow their instructions for documentation and procedures if you are not injured and are not taken by ambulance. It’s not a good idea to leave the scene of an accident.
- Report Accidents on Dubai Police mobile App: You can also report accidents on the mobile App in Dubai. When reporting an accident on the App, it will ask for the following:
- pinpoint location of the accident
- photos of both vehicles involved in the accident
- Emirates ID and Driving License of Both Parties
- Vehicle License Plate Number along with Emirates ( Dubai, Sharjah, Abu Dhabi, Ajman etc)
- Mulkiya ( Vehicle Registration Card )Photos of both vehicles.
In other emirates, follow the authority’s instructions.

Got in a Car Accident: How to file a Car Insurance Claim?
Once you have obtained the police report, it’s time to proceed with filing a car insurance claim.
- Inform Your Auto Insurance Company: Call your Auto insurance Provider right away to tell them about the car accident and file an insurance claim. You can contact almost all insurance companies in the UAE via their 24 hours helpline, Email, and WhatsApp.
- Follow the Claims Process: Give your insurance company all the documents they need
- Police report
- Accidented photos (in rare cases)
- Driver’s license
- Emirates ID
- Contact Details
- Claim form. (Some companies may send you a claim form to fill out.)
- This will help them process your auto insurance claim. If your vehicle is registered in an individual’s name, only these documents are needed.
If the car is registered under the name of the Company. A valid trade license is also needed. In some instances, insurance companies can ask for additional documents.
- Survey: If your car is working, your Car insurance company might ask for a vehicle inspection at their place. If it’s not working, they’ll give you a list of approved garages nearby, and you can pick one close to you. Some companies have fewer Authorized garages, and you may need to drop your vehicle there.
- Repair Process: If your vehicle needs repairs. Work with the authorized repair center recommended by your Car insurance company for high quality service.
- Stay Informed: Track the progress of your insurance claim and follow up with your insurance provider as needed.
By following these steps and procedures, you can effectively manage a car accident situation in Dubai and ensure a proper response and resolution.