Accident Claim Filing Support — Clear guidance for UAE drivers
Practical, step-by-step support to file vehicle accident claims across the UAE. We help drivers navigate police reporting, insurer requirements, documents and follow-up to get claims processed smoothly.
Overview
If you’re involved in a road accident in Dubai, Ajman or elsewhere in the UAE, immediate and correct actions reduce delays and complications. We explain what to do on scene, when to call the police, and how to document damage and injuries for insurers. We guide you through every stage of the claim: obtaining a police report (when required), notifying your insurer, collecting and preparing documents, and submitting the claim package. Our focus is practical—what insurers typically need and how to avoid common errors that slow processing. Whether the other party is insured or not, or you have Comprehensive or Third-Party cover, we outline your options for repair approvals, excess handling, and tow or roadside assistance coordination. Our service is tailored to UAE procedures and insurer expectations to minimise time and uncertainty. We also provide clear timelines and what to expect during insurer assessment and payment or repair approvals. If you need additional services like policy renewal or upgrades after an incident, we can connect you to the right products and repair partners in Dubai and Ajman.
What to prepare
- Emirates ID of driver(s)
- UAE driving licence of the driver
- Vehicle registration (Mulkiya)
- Police report (if issued) or police reference number
- Photographs of damage, scene and licence plates
- Insurance policy details / policy number
- Medical report (if there are injuries)
How the process works
- Ensure safety, take photos, exchange details and call emergency services if needed.
- Report the accident to the local police or use the Dubai Police / Abu Dhabi Police app as required.
- Notify your insurer promptly and share incident details; request claim reference number.
- Collect and prepare required documents and submit them to the insurer or through our support team.
- Coordinate vehicle tow/repair approvals and follow up with the insurer until the claim is closed.
Why clients choose AL SAHRAA
- Admin-reviewed quotations before you proceed.
- Document coordination and progress tracking in one portal.
- Support for business, compliance, visa, insurance, and IT-related requests.
- Clear request history, updates, and delivery follow-up.
Frequently asked questions
How soon should I report an accident to my insurer?
Notify your insurer as soon as possible—many policies require prompt notification. Reporting quickly helps secure faster claim handling and avoids potential disputes.
Do I always need a police report?
Minor incidents between parties may sometimes be resolved without a police file, depending on emirate rules and insurer policies, but you should obtain a police report if there are injuries, disagreement about fault, or major damage.
What if the other driver is uninsured or cannot be identified?
Report the incident to police and your insurer immediately. Your coverage (and UAE’s uninsured motorist provisions) and the insurer’s process will determine available recovery or compensation options.
Will I have to pay an excess/deductible?
Most comprehensive policies have an excess which you must pay when making a claim. The amount depends on your policy terms. We help you identify the excess and review repair options.
Can you arrange towing or roadside assistance?
Yes—if your policy includes roadside assistance or towing, we can coordinate with the provider. If not, we can advise on local towing options and related costs.
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