س: مرحبًا، استأجرتُ سيارة من شركة تأجير سيارات عام ٢٠٢١. صدمني شخص عندما كنتُ عند الإشارة الحمراء. قدّمتُ شكوى للشرطة، وحصلتُ على التقرير الأخضر الذي يفيد بأن الضرر الذي لحق بالسيارة يتحمله التأمين. أرسلتُ نفس الرد لشركة تأجير السيارات، لكنهم ما زالوا يطالبونني بدفع رسوم قدرها ٢٥٠٠ درهم إماراتي. سألتُهم عن السبب، لكن لم أتلقَّ أي رد. بعد عامين، في عام ٢٠٢٣، عيّنوا وكيلاً يرسل لي رسائل بريد إلكتروني ويطلب مني دفع المبلغ. عندما أحلته إلى المحادثة السابقة، قال إنه وفقًا لشروط وأحكام شركة تأجير السيارات، عليّ دفع المبلغ. أُقدّر نصيحتكم!

س: صباح الخير، سُرقت سيارتي، وقدمتُ بلاغًا في مركز الشرطة قبل ستة أشهر. كانت سيارتي مؤمَّنة بتأمين شامل وتأمين ضد الغير. هل ما زال بإمكاني تقديم مطالبة لشركة التأمين الخاصة بي، أم عليّ اتخاذ إجراء آخر؟

Q: I bought a new car from the showroom 3 months ago. I have full-cover insurance. Today my car met with a major accident and I am not faulty. Can I get a new car from the insurance company?

Q: I have fully comprehensive car insurance with agency repair and just had an accident in Dubai where it was my fault. The other car is a [-----] with a warranty and my insurance has approved their claim but won’t let them get the repairs at the agency. It turns out the agency repair on my policy is for me only not for third parties. Now the [----] warranty becomes void if they don’t go to the agency which my insurance won’t cover so the [----] owner is asking me for the money now! What do I do?

Q: When I returned from my travel, I found that my car was damaged in my building garage. It looks like some corrosive fluid was sprayed on the top and one of the car door's paint and the roof-top glass are damaged. I've contacted the building manager company twice, but no answer from them. What should I do?

Q: Dear Lawyers, I am a lady driver working in Abu Dhabi for a local employer. I have been with them for three months now. Unfortunately, I had a car accident last night, and I was at fault; I bumped into another car. My employer has full insurance on the car. Am I liable to pay for all the repair costs?

Q: Dear Lawyers, I had an accident last night, and it was my mistake. I called Saeed and made an insurance claim report, but my employer didn’t claim the insurance; he went to a private garage for repairs. Now he has deducted the garage costs from my salary. Is this legal in the UAE?

Q: Hello, Once I file an accident claim, what is the time frame by which the insurance company should respond with the claim details? How many days can the insurance company take to complete the claim process? Is there a specific time period for this?

أدخلت هيئة التأمين نظامًا جديدًا لتنظيم جميع عمليات التأمين الإلكترونية والذكية التي تمارسها شركات التأمين وأصحاب المهن المرتبطة [مثل وكلاء التأمين والخبراء الاكتواريين ووسطاء التأمين والمسّاحين وخبراء تقدير الخسائر ومستشاري التأمين] وتسويق وثائق التأمين من خلال البنوك بالقدر الذي ينطبق على طبيعتها. الهدف من هذا المقال هو مناقشة التغييرات التي أدخلها النظام الجديد بإيجاز.

It has been reported that the UAE has witnessed its heaviest rainfall in 75 years from late Monday the 15th of April till Tuesday night the 16th of April. The weather department recorded the highest rainfall in Al Ain, reaching 254 mm in less than 24 hrs and this was an exceptional event. We introduce in this article the details for claiming losses and damages from insurance.

In the event of vehicle damage caused by flooding in 2024, vehicle owners who hold valid motor insurance policies may find their claims rejected by insurance companies on technical grounds. This can understandably cause anxiety and concern for the policyholder, who may be seeking to understand their legal options and remedies.

The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.