How to Claim Motor Insurance in Abu Dhabi After an Accident: Step-by-Step Guide
                     Navigating Motor 
Insurance Claims in 
Abu Dhabi
An accident can catch anyone off guard, turning a routine drive 
into a stressful event. In Abu Dhabi, knowing the proper steps for 
filing a motor insurance claim can make all the difference, helping 
you stay calm and avoid unnecessary delays.
Your Immediate Steps: Safety 
First
1 2
Prioritize Well-being Secure the Scene
Immediately after an accident, check on If possible and safe to do so, move your 
all passengers. Ensure everyone is safe vehicle to the side of the road to 
and free from injury. If there's any sign prevent further hazards and traffic 
of injury, even minor, call emergency obstruction. This helps maintain control 
services (999) without hesitation. of the situation and reduces risks.
3
Stay Calm and Objective
Avoid arguments or confrontations with other drivers. Keep interactions factual and 
concise. Emotional responses can complicate matters and delay the resolution 
process.
The Crucial Police 
Report
In Abu Dhabi, a police report is non-negotiable for any 
motor insurance claim, regardless of how minor the 
accident may seem. This official document is the 
cornerstone of your claim.
• Contact the Police: Call the police immediately (999) to 
report the incident. For minor accidents, you might be 
directed to use a specific app or service.
•Officer Assessment: Officers will arrive to assess the 
scene, document details, and determine fault.
•Obtain the Report: You will receive an official police 
report or a reference number. Review it carefully for 
accuracy. Any errors, no matter how small, can cause 
significant delays in your insurance claim process.
Gathering Essential Evidence
While awaiting the police, use your smartphone to capture crucial visual evidence. Comprehensive documentation 
strengthens your claim.
Vehicle Damage License Plates Scene Details Exchange 
Take clear, detailed photos Photograph the license Capture images of the Information
of all damage to your plates of all vehicles accident location, Collect contact details 
vehicle and any other involved to ensure including road conditions, (name, phone, insurance 
vehicles involved. accurate identification. traffic signs, and the info) from the other 
relative positions of the driver(s) and any 
cars. witnesses present.
Prompt Notification to Your Insurer
Timely reporting is critical. Many insurers expect notification within 24 hours of the incident.
What to Provide:
• Policy Number: Have your motor insurance policy details ready.
• Police Report: Share the report number or a copy of the official 
• dAocccuidmeenntt .Details: Provide the exact date, time, and location of the 
• iSnucpidpeonrt.ting Evidence: Submit all photos and witness details you 
• cPoelrlescotneda.l Documents: Your driving license and vehicle registration 
will also be required.
Once submitted, you'll receive a claim reference number. Keep it safe for 
all future communications.
Vehicle Inspection & Assessment
Insurer Guidance
1
Your insurance provider will instruct you on the next steps, which typically involve a vehicle 
inspection.
Approved Garages
2 You may be directed to an approved garage for assessment, or a surveyor might be 
dispatched to your location.
No Unauthorized Repairs
3 Do NOT initiate any repairs independently without explicit approval from 
your insurer. Unauthorized repairs could jeopardize your coverage.
Coverage Confirmation
The inspection determines the repair costs and confirms 
4
whether the damage is covered under your 
motor insurance policy in Abu Dhabi.
Seamless Repairs and Collection
Direct Coordination Replacement Vehicle
If your policy includes authorized repairs, the garage will Inquire early about a temporary replacement car if this is a 
handle all communication and billing directly with your feature of your policy. This can significantly reduce 
insurer, streamlining the process for you. inconvenience during repair times.
Final Check Before You Drive Away
Before leaving the garage, conduct a thorough inspection of your repaired vehicle. This is your opportunity to ensure everything 
is in order.
Detailed Inspection Test Drive Address Concerns
Examine all repaired areas carefully. If possible, take the car for a short If anything doesn't look or feel 
Check paintwork, panel alignment, test drive to check for any new right, immediately raise your 
and functionality of any replaced noises, vibrations, or handling concerns with the garage before 
parts. issues. signing any release forms. It's much 
harder to rectify issues later.
Excess Payment and Claim 
Closure
Understanding the financial aspects of your claim ensures a smooth finalization.
Policy Excess Finalizing the Claim
Most motor insurance policies Once repairs are complete and all 
include an excess amount – this is necessary documents (like the 
the portion of the repair cost you repair completion certificate and 
are responsible for paying yourself. payment receipts) are signed, your 
This is typically settled directly at claim will officially be closed by the 
the garage upon collection. insurer.
Documentation
Keep copies of all paperwork related to the accident and claim. Your claim 
history can influence future car insurance options and premiums across the 
UAE.
Preparedness Pays 
WOhilffe an accident is always unexpected, your response doesn't have to be. 
Understanding this step-by-step process beforehand puts you in control, 
transforming a potentially stressful situation into a manageable one.
Stay 
1
PCraiolmritize safety and maintain composure.
Report 
2 PNortoifmy ppotlliyce and insurer without delay.
Document 
3
GTahtohreor ualgl ehvliydence to support your claim.
Follow 
4 GAduhiedree ltion ienssurer instructions for repairs.
Being prepared truly makes all the difference when navigating a motor insurance 
claim in Abu Dhabi.