Delays in Car Insurance Payment in UAE: Know Your Legal Options

If your car is involved in an accident in the UAE, the last thing you want to worry about is delayed payment from your insurance company. Unfortunately, this is a common issue many motorists face. But what legal action can you take if your insurance company delays payment?

Raising a Claim
The first step is to raise a claim to the insurance company and await its decision. If the company is delaying the decision or you have any objections to the processing of the claim, you may file a complaint to the Committee of the Insurance Disputes to settle the matter.

Following the Law
According to Article 7 of the Insurance Authority Board Resolution No. 33 of 2019 Concerning the Regulation of the Committees for the Settlement and Resolution of Insurance Disputes, the Defendant company shall process claims in accordance with the Law and applicable legislations and the provisions of the Insurance Policies.

Filing a Complaint
If you have an objection to the processing of your application, you may file a complaint in writing to the Authority through the electronic system. Make sure to attach all relevant documents and details, including:

• Your name, address, post office box, and phone number
• Your electronic service address, legal representative, or attorney
• The subject matter and requests in the complaint
• Supporting documents to the complaint
• Any other documents related to the complaint

The Dispute Resolution Process
The Authority will request clarifications from the Defendant through the electronic system, which must be furnished within five working days. You may object to the clarifications made by the Defendant and request that the dispute be referred to the Committee. The Complaint will be entered in the record as per date of receipt, and the Organisational Unit shall refer the complaint file to the competent Committee within three working days after the documents are completed.

Don’t let delayed payment from your insurance company stress you out. Know your legal options and take action today!