What is Third-Party Car Insurance? (1)

1
What is Third-Party Car Insurance?
2
Steps to Claim Third-Party Car Insurance After an
Accident

• Ensure Safety Document the Incident
• Check for injuries Ensure that you and others
  are safe.
• Move to a safe area if possible (if minor
  accident).
• Take photographs of the accident scene and all
  involved vehicles.

3
Step 1 Report the Accident to the Police

• Legal Requirement in the UAE
• Always report the accident to the police.
• Obtain a police report or accident report.
• The police will document the scene and determine
  fault.
• Where to Report
• Police stations or dedicated accident reporting
  centers.
• Smart Police Stations (if available in your
  area).

4
Step 2 Notify Your Insurance Provider

• Contact Your Insurance Company
• Call your insurers 24/7 hotline or use their
  mobile app/website.
• Provide them with details of the accident and the
  police report.
• Important Details to Provide
• Accident location, time, and date.
• Police report number.
• Contact details of involved parties.

5
What is Third-Party Car Insurance?

• Definition
• Covers damage caused to third-party vehicles or
  property.
• Covers bodily injury to others in case of an
  accident.
• Key Points
• Does not cover damage to your own vehicle.
• Mandatory for all vehicles in the UAE.

6
Steps to Third-Party Car Insurance After an
Accident

• Ensure Safety Document the Incident
• Check for injuries Ensure that you and others
  are safe.
• Move to a safe area if possible (if minor
  accident).
• Take photographs of the accident scene and all
  involved vehicles.

7
Step 1 Report the Accident to the Police

• Legal Requirement in the UAE
• Always report the accident to the police.
• Obtain a police report or accident report.
• The police will document the scene and determine
  fault.
• Where to Report
• Police stations or dedicated accident reporting
  centers.
• Smart Police Stations (if available in your
  area).

8
Step 2 Notify Your Insurance Provider

• Contact Your Insurance Company
• Call your insurers 24/7 hotline or use their
  mobile app/website.
• Provide them with details of the accident and the
  police report.
• Important Details to Provide
• Accident location, time, and date.
• Police report number.
• Contact details of involved parties.

9
Step 3 Submit the Required Documentation

• Documentation Needed for Claim Submission
• Police report or accident report.
• Driver's license and vehicle registration.
• Insurance policy details.
• Photographs of the accident scene and damages.
• Third-party details (name, contact, insurance
  details).

10
Step 4 Insurance Investigation and Claim
Evaluation

• Insurance Adjusters Role
• The insurance company will assign an adjuster to
  assess the damages.
• They will investigate the cause and extent of the
  damage.
• They may inspect your vehicle if applicable
  (though third-party car insurance wont cover
  it).
• Assessment of Third-Party Liability
• Verify if the third party was at fault.
• Ensure all documents are in order to process the
  claim.

11
Settlement of the Claim

• Settlement Process
• Third-Party Liability If the third party is at
  fault, the insurer will compensate the victim
  (third party).
• Claim Outcome
• If the third party has insurance, your insurer
  will process the claim directly with them.
• If the third party is uninsured, you may need to
  take legal action.
• No Payout for Your Vehicle
• Third-party insurance does not cover your
  vehicle's damages.