We all know the risks of getting into an accident while driving in Dubai, UAE. No matter how careful you are, accidents happen. No matter what the intensity of the damage is on your Dubai used car, you should always know these dos and don’t before making an insurance claim.
Dos
Always know what is covered
Not knowing the details of your insurance coverage can be a major cause of distress. Try to sit with your agent and thoroughly discuss what your insurance covers before it’s too late. This will be very helpful if you ever have to make an insurance claim. It is also helpful to know the common car damages that occur and how much they cost.
Get in touch with your agent
Calling your agent as soon as possible after the accident is essential. In case of a severe accident, make sure that all parties have been attended to and it is possible for you to make the call. If you’re injured as well, then ask a relative, friend or spouse to inform the agent. Waiting to file your claim may delay or might even result in denial of the claim.
Try to take pictures of the damage
After taking everyone’s safety into consideration, take pictures of the scene of the car accident. It can help make a strong case for your claim.
Gather contact information of the involved parties
Gathering as much information as possible will make your claim even more substantial. After reporting the incident to the police, get the contact information of the other parties involved. Additionally, getting information from any eye witness may help your case.
Keep copies of related documents
Make sure to keep a record of your medical bills, estimated repair cost, accident report and of course your insurance policy.
Consult your lawyer
Consider seeking professional help as they might be able to get you the right amount of compensation against your claim.
Don’ts
Admitting fault
Naturally, an accident may leave you in shock. You might think that it was your fault, though once the examination is done and different perspectives have been taken into account, that may not be the case. If you admit fault earlier and the results show otherwise, you might cost yourself any claim that you could have made.
Accept immediate compensation
The insurance company will try to compensate you for less than the actual cost. It is strongly advised that instead of quickly accepting claims, get legal advice and gather more information about your insurance policy to get the right amount of compensation.
Do not sign any unverified document
If you’re presented with any document to sign, be sure to read it thoroughly first. In addition, make sure that you are aware of the estimated compensation that you have a legal right to claim. Do not sign anything hastily. If you’re confused, take advice from your lawyer.
Take the time limit to your policy seriously
Do not try to ignore the time limit set on your policy as it may have a detrimental effect on your claim. To get the most out of your insurance claim, make sure to keep in touch with your agent and keep track of the time limit allotted in your car insurance policy.
Most importantly, make sure you choose the best policy for your Dubai used car.
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