Major car accidents in the UAE, on an average,happen 18 times, injure 20 people and kill 2 people a day. In a country of this size, these are big numbers. So, unfortunately, there will be chance that you will be involved in a car accident on any given day. At InsuranceMarket, we have about five accidents reported everyday, on average.
The following are the steps you need to take in case you have a car accident:
Immediately, you need to call the emergency hotline 999 and wait for the police to arrive.
If it’s a minor accident you will be asked to move your car to avoid obstructing traffic or endangering other cars. You will be fined if you don’t move your car. However, if you both drivers agree on who was at fault, you will be advised to drive to the nearest police station to complete appropriate form.
In a major accident, the police will sort things out for you. If you were found innocent, you will receive the green copy of the report. On the other hand, if you were at fault, you will receive the pink one. (And this will make you pay for an excess, which is an amount you have to pay, usually a flat amount, towards the claim if it is your fault). If your insurance policy has a roadside assistance service, they would also take care of recovering the car and taking it to a workshop if it’s not in a derivable condition.
Regardless of whose fault was it, if you insure your vehicle comprehensively, your car will be repaired by your own insurance company. If you have an agency repair (which normally applies to new cars ranging from 0-5 years old), your car will be repaired by your car’s authorized workshop. But if you have non-agency repair, your car will be fixed at the workshops on your insurance company’s panel – which is why having the right insurance company is so important.
In the case of a very unfortunate event where your car is severely damaged, your insurance company may declare it as total loss.Total loss means that repair cost exceeds the value of your policy. So the insurance company would just pay you an amount they think is enough for you to buy a replacement car. Sadly, this is entirely your insurance company’s call.
Lastly, in case of death, you will be required to pay blood money. Blood money is a fine (minimum of AED 200,000) imposed for causing death willfully or by accident. But it’s normally included in your comprehensive policy so you don’t have to pay it out of your own pocket.
[Image Source: gulfnews.com]