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Are You Filling A Car Insurance Plan in Dubai? Learn the Do’s and Don’ts First

Dubai is among the very few cities in the world with the highest per capita rate of accidents. With such rate of accidents, it is a good practice to learn about the Do’s and Don’ts of filing a car insurance plan. This allows people to take a sensible course of action after an unfortunate event instead of panicking.

For a successful settlement with the car insurance provider, effective communication is required, both written and verbal. In the case of an accident, this is what you need to do.

The Do’s

The first thing you need to do is to report the accident as soon as possible. In fact, after ensuring the safety of the passenger with you, the next step is to report it to police immediately. As the police report is mandatory for filing any insurance claim, make sure the police inspected the scene of the accident and all legal formalities are done.

The next step is to contact your insurance company. Once you have a police report with you, let your insurance company know about the incident. To make sure you get the payment of your claim as early as possible, start the communication with insurance provider immediately and provide them with all documents required.

You can also take pictures of the accident scene, vehicle damage, and bodily harm. By adding pictures and video to your claim, you are providing additional evidence which is always good during an insurance claim.

It is also recommended to re-check and learn about your insurance plan in detail once again to make sure you are getting everything as promised in your purchased plan. This can make things easier for you during communication as you will have a clear idea what is covered and what is excluded under your plan.

The Don’ts

Don’t jump to conclusions on your own and wait for the police report. Some people believe that they are responsible for the accident but the police report often states otherwise based on different scenarios and examination of traffic laws. Don’t accept the payment proposed by the insurance company against your claim unless you have read your insurance plan in detail. Make sure you have a clear knowledge of your coverage as many insurance providers try to offer you less than what they must. Try to renegotiate if you believe you are getting a lesser amount than what is covered.

Make sure to sign only documents that you understand. Don’t sign any that is too technical for you to understand. Seek help if you are confused about any document or if it is not clear enough.

Some insurance companies also include a certain period to claim the insurance from the time of the accident in the plan. Make sure you are not unnecessary delaying the insurance claim.

Read more about car insurance services from AFIA Insurance

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AFIA Insurance Brokerage Services L.L.C. registration no. 85, under United Arab Emirates Insurance Authority