Car Accident Compensation in the UAE

Car Accident Compensation in the UAE: A Comprehensive Legal Guide to Claiming Your Rights

Car accidents and personal injuries are among the most common reasons individuals seek legal advice in the UAE. Whether the accident is minor or serious, UAE law guarantees the right of victims to receive fair compensation for physical, psychological, and financial damages.

In this comprehensive guide, we explain the legal procedures after a car accident, how to file a car accident compensation claim in Abu Dhabi, the role of insurance dispute resolution (SANADAK), the rights of accident victims, and why hiring an experienced Abu Dhabi accident lawyer like Advocate Alya Al Nuaimi can significantly improve your chances of success.

 

Table of Contents

1. Legal Procedures After a Car Accident
2. Filing an Insurance Claim with the UAE Central Bank – SANADAK
3. How to Submit a Complaint to the Insurance Dispute Resolution Committee
   • Conditions and Requirements for Filing an Insurance Dispute
   • Cases of Rejection
   • Appealing Committee Decisions
   • Filing a Lawsuit After the Committee’s Decision
4. Rights of Car Accident Victims in Abu Dhabi
5. The Role of Advocate Alya Al Nuaimi in Car Accident Claims
6. FAQs About Car Accident Compensation Claims in the UAE
7. FAQs About Insurance Disputes
8. Official Links for More Information
9. Conclusion

 

1. Legal Procedures After a Car Accident in the UAE

If you are involved in a car accident, workplace injury, or any other type of personal injury, you must follow specific legal steps to protect your rights and claim the compensation you deserve.

Step 1: Document the Accident

Proper documentation is the cornerstone of a successful claim:

• Police Report: Contact the police immediately after the accident, especially if there are injuries or major damages, and obtain the official accident report. In Abu Dhabi, you can contact Abu Dhabi Police Traffic Department directly.
• Medical Reports: Visit a hospital or clinic to document your injuries and obtain a detailed medical report specifying the type of injury, treatment duration, and any permanent disability.
• Property Damage Documentation: Take clear photos of the damage to your vehicle or other property and keep all receipts for repairs or replacement costs.

These documents are crucial evidence to support your car accident compensation claim before the insurance company or the court.

Step 2: Contact the Insurance Company

After documenting the accident, you must notify the insurance company:

• Submit all relevant documents, including police and medical reports, and repair invoices.
• Carefully review the insurance company’s offer to ensure it covers all physical, psychological, and material damages.
• Do not rush to accept any settlement offer without consulting an experienced car accident lawyer in Abu Dhabi, as early settlements are often lower than the actual compensation you are entitled to.

Step 3: Consult a Car Accident Lawyer

If the claim process becomes complicated or if the insurance company refuses to pay fair compensation, a specialized personal injury lawyer becomes essential. A lawyer will:

• Evaluate the strength of your legal claim.
• Gather medical reports, witness statements, and police records.
• Draft a professional legal complaint.
• Represent you in court and negotiate with the insurance company to secure fair compensation.

Advocate Alya Al Nuaimi’s law firm is one of the leading law firms in Abu Dhabi for car accident compensation, with extensive experience representing accident victims and maximizing their legal rights.

 

2. Filing an Insurance Claim with the UAE Central Bank – SANADAK

Under Federal Decree-Law No. (48) of 2023 on the Regulation of Insurance Activities, victims must first file an insurance claim with the insurance company and, if necessary, with SANADAK – the UAE Insurance Dispute Resolution Committee before taking the case to court.

Steps to File an Insurance Claim:

1. Submit the Claim to the Insurance Company:
   • Include full accident details, medical and police reports, and supporting invoices.
2. Escalate the Claim to SANADAK:
   • If the insurance company refuses to pay or delays settlement, the victim can escalate the case to SANADAK.
   • SANADAK will review the claim, verify coverage, and issue a binding decision either granting or rejecting the claim with legal justification.

 

3. Submitting a Complaint to the Insurance Dispute Resolution Committee

The complaint process is handled online through SANADAK’s platform:

• Submit the claimant’s details, legal representative’s information, and supporting documents.
• The insurance company must respond within 5 working days.
• If the response is unsatisfactory, the case is referred to the Committee within 3 working days.
• The Committee first attempts an amicable settlement within 15 working days (extendable).
• If no settlement is reached, the Committee issues a binding decision within 20 working days (extendable).

Grounds for Rejection

• The dispute has already been resolved elsewhere.
• Failure to pay expert fees.
• Lack of jurisdiction (e.g., arbitration clause, pending court case).
• Missing documents or lack of legal standing.

Appealing the Committee’s Decision

You may appeal the decision before the competent court within 30 days. If no appeal is filed, the decision becomes final and enforceable.

 

4. Rights of Car Accident Victims in Abu Dhabi

UAE law grants accident victims several key rights, including:

• Compensation for Physical Injuries: Covers medical treatment, tests, rehabilitation, and long-term care.
• Compensation for Psychological Suffering: Covers emotional distress, trauma, anxiety, and loss of normal life activities.
• Compensation for Property Damage: Includes car repair or replacement and damage to personal belongings.
• Compensation for Loss of Income: Covers temporary or permanent loss of earnings.
• Right to Legal Representation: Victims have the right to hire a lawyer to ensure their rights are fully protected and claims are properly presented.

 

5. The Role of Advocate Alya Al Nuaimi in Car Accident Compensation Cases

Hiring a specialized car accident lawyer in Abu Dhabi significantly increases your chances of success. Advocate Alya Al Nuaimi offers:

• Expert legal advice and case evaluation.
• Professional drafting of claims and lawsuits.
• Skilled negotiation with insurance companies for the best settlement.
• Full representation in all stages of litigation until the final judgment.

 

1. FAQs About Car Accident Compensation in the UAE
2. What is the time limit for filing a car accident compensation claim?
   – Within three years from the date of the accident.
3. Does compensation cover psychological damage?
   – Yes, UAE law includes compensation for emotional and mental suffering.
4. Should I accept the insurance company’s settlement offer?
   – Always review with your lawyer before accepting, as offers may be lower than your legal entitlement.
5. Can I claim compensation if I was partially at fault?
   – Yes, depending on the insurance coverage and shared liability.
6. What evidence is required?
   – Police report, medical reports, photos of damages, invoices, and witness statements.
7. FAQs About Insurance Disputes

• Who can file a complaint?
  – The policyholder, beneficiary, or any directly affected victim.
• Can the complaint be filed online?
  – Yes, through SANADAK’s online system, with the option of remote hearings.
• Are the committee’s decisions binding?
  – Yes, unless appealed in court within 30 days.

 

Conclusion

Car accident compensation claims in the UAE require a clear understanding of legal procedures and victims’ rights. By properly documenting the accident, filing an insurance claim, escalating disputes to SANADAK when necessary, and working with a skilled car accident lawyer in Abu Dhabi like Advocate Alya Al Nuaimi, victims can secure the fair compensation they deserve for physical, emotional, and financial losses.