Getting into a car accident is stressful—especially in the UAE, where the traffic never seems to slow down. But take a deep breath: if you know the right steps to take, you can protect your rights, stay on the right side of the law, and make your insurance claim as smooth as possible. Here’s your no-nonsense guide to navigating what comes next.
1. Ensure Safety First
Safety is priority number one. If the accident is minor and everyone’s okay, carefully move your car to a safe spot—preferably off the road—to avoid blocking traffic. Switch on your hazard lights to warn other drivers.
If there’s any hint of injury, do not move anyone involved. Call 999 immediately for both ambulance and police assistance.
2. Document the Scene and Exchange Details
While you’re waiting for help, gather as much information as possible:
- Snap clear photos of all vehicles involved, license plates, and the surrounding scene.
- Exchange basic details with the other driver(s): names, phone numbers, license plate, vehicle registration (Mulkiya), and insurance provider details.
- Avoid discussing who’s at fault—let the police and insurers handle that.
3. Report the Accident to the Police
In the UAE, reporting every accident—minor or major—is mandatory. When it’s a minor crash, you can file a report using your emirate’s police app (Dubai, Abu Dhabi, Sharjah, MoI UAE, etc.).
For more serious accidents or injuries, dial 999 and wait for officers at the scene. You’ll receive a color-coded accident report—Green (not at fault), Red (at fault), or White (no fault assigned)—which is essential to file an insurance claim.
4. Contact Your Insurance Company ASAP
Once you have the police report:
- Notify your insurer promptly, ideally within 24–48 hours. Many providers have a 24/7 hotline and mobile app for this.
- Share all documents: the police report, accident photos, vehicle registration, your driver’s license, and Emirates ID.
5. Damage Assessment, Repairs, or Total Loss?
Your insurer will arrange either:
- A vehicle inspection to determine repairability. If minor, your car will go to an insured-approved workshop—sometimes arranged by your insurer.
- If the damage is beyond economical repair (often 50–70% of vehicle value), your car may be declared a total loss. In that case, the insurer will pay the market value minus any excess.
6. Keep Close Tabs on Your Claim
- Use your insurer’s app or customer service to track claim progress, expected repair timelines, and status updates.
- Some policies include roadside assistance or even a replacement vehicle while your car is being repaired.
7. Know Common Pitfalls (and How to Avoid Them!)
- Don’t admit fault at the scene—it can damage your claim.
- Delaying notification to your insurer might lead to claim denial.
- Skipping documentation—like photos or witness details—can weaken your case.
- If repairs go slow or insurance claims stall, you can escalate the issue via the UAE Central Bank or Insurance Authority.
8. Seek Legal Help When Needed
If disputes arise—rejected claims, disagreements over fault, or unfair settlements—it’s wise to consult a legal expert. A seasoned UAE traffic or insurance lawyer can guide you, protect your rights, and negotiate on your behalf.
In Summary — Your Quick Roadmap
- Stay safe & move to a safe spot if possible
- Call 999 if there’s injury or it’s serious
- Document everything and swap details
- Report to police—physically or via app
- Notify your insurer ASAP
- Follow up on repair, settlement, or total loss
- Stay proactive and avoid common mistakes
- Get legal advice if things get complicated
Frequently Asked Questions (FAQ)
Yes. Whether the accident is minor or major, it is mandatory to report it to the police. For minor accidents, you can use the respective emirate’s police app. For major accidents or injuries, call 999 immediately.
Yes, if no one is injured and it’s safe to do so, move your car to the side of the road to avoid blocking traffic. Keep your hazard lights on to warn other drivers.
You will typically need:
Police accident report (Green, Red, or White)
Photos of the accident scene and damage
Vehicle registration (Mulkiya)
Driver’s license
Emirates ID
It’s best to inform your insurer as soon as possible, ideally within 24–48 hours. Delaying may lead to a rejected claim.
Green Report – You are not at fault.
Red Report – You are at fault.
White Report – No fault is assigned to any party.
It depends on your insurance policy. Some insurers require repairs at approved workshops, while others may allow you to choose but with cost limits.
If the damage is beyond economical repair (usually 50–70% of the car’s value), the insurer will declare it a total loss and pay you the market value minus any policy excess.
Do not admit fault or make promises to pay for damages. Only share factual information and let the police and insurance handle fault determination.