Q: My insurance company (Oman Insurance) took 22 days to get an estimation of the reason being major damage. I inquired for a total loss and they said no as there was no chassis damage and the estimate was awaited. On the 24th day, I received a total loss offer letter from Oman Insurance asking to sign and acknowledge. I accepted the offer and sent back the document. 2 days later the garage told me that they were working in the car based on the word of the estimator in spite of no LPO. Oman insurance calls me and says that there was a miscommunication and the garage brought down the repair charges from AED 50000 to AED 20000 and that they will now proceed to fix the car. I did not agree with them as I found that the car had a chassis damage. Oman Insurance changed tune all of a sudden to the car only having minor damages and the chassis will be fixed. Can the insurance company take back an agreement on free will when an offer is accepted and has the company signature, seal and trade license?

س: مرحبًا، أتمنى أن تكون بخير. أريد أن أعرف عما إذا كان من القانوني أن تكتب شركة ما تقييم إيجابي على محرك البحث جوجل عن نفسها. لقد كنت أتعامل مع مركز خدمة وأعتقد أنهم يستغلونني ويطلبون مني الدفع مقابل أخطائهم، حيث أحضرت لهم السيارة أربع مرات بالفعل وأنفقت أكثر من 4,000 درهم إماراتي، وحتى الآن لا تزال غير ثابتة. أفكر في تقديم شكوى إلى حماية المستهلك. لم تحدد فاتورتي الأخيرة أي شيء، مجرد "1,000 درهم مقابل الأعمال" ولكن لم تحدد ما تم القيام به (تغيير الكاوتش أو أنبوب الزيت). في الوقت الحالي قام الرجل المسؤول عن إصلاح سيارتي بكتابة تعليقًا جيدًا عن المركز كما لو كان عميلًا بينما هو يعمل هناك. هل هذا التصرف قانوني؟ شكرًا لك.

س: طاب يومك، لقد تعرضت لحادث منذ شهر وأخذت سيارتي لإصلاحها ووقعت على وثيقة للبدء في إصلاح السيارة بناءً على نصيحة شركة التأمين الخاصة بي. بعد شهر، تحققت من حالة سيارتي وطلبت مني ورشة الإصلاح نقل سيارتي إلى ورشة أخرى. قمت بقيادة السيارة لنقلها ولاحظت أنها تصدر بعض أصوات الطنين، وتهتز عندما تصل السرعة إلى 60 كم. أبلغت الورشة بذلك وأخبروني أن تكلفة إصلاح هذا العطل لن يغطيها التأمين. في الوقت الحالي، ما أطلبه من شركة التأمين هو إصلاح سيارتي وجعلها صالحة للسير على الطريق وبدون اهتزازات أو أصوات طنين، لكنهم يرفضون مدعيين أن ذلك بسبب الاستهلاك العادي وليس بسبب الحادث. علمًا بأنه قبل وقوع الحادث، لم تكن سيارتي تعاني من أي مشاكل مثل ما تعانيه الآن. سؤالي هو؛ هل يحق لي مطالبة شركة التأمين بإصلاح سيارتي لتكون صالحة للسير قبل إخراجها من ورشة الإصلاح؟ شكرًا لك.

س: تضررت سيارتي في حادث، ولم يكن ذلك خطئي. قالت شركة التأمين إنها ستلغي السيارة وتعطيني 5500 درهم إماراتي، في حين أن قيمة السيارة على فيسبوك ربما تبلغ 12000 درهم إماراتي. المبلغ المؤمن عليه كقيمة للسيارة هو 7000 درهم إماراتي مع التأمين. ألا يمكنني المطالبة بإعادتها إلى حالة ما قبل الحادث مهما كانت تكلفة الإصلاح لأنه ليس خطئي؟ أعتقد أن شركة التأمين الخاصة بالطرف المخطئ عليها أن تدفع ثمن جميع الأضرار التي لحقت بسيارتي بسبب خطأ الآخر. لماذا أتحمل الخسائر المتمثلة في انخفاض القيمة والإلغاء؟ يرجى تقديم المشورة!

Q: Hello Everyone, I took a car from a car rental in 2021 and someone hit my car when I was at the red signal light. I raised the police complaint and got the green report saying the damage to the car should be borne by the insurance. I sent the same response to the car rental but they still keep asking me to pay and they are charging me AED 2500. I asked them for the reason but no response from them. After 2 years now in 2023, they hired an agent who is sending me emails and asking me to pay the money. When I referred him to the previous conversation he is saying as per the car rental's terms and conditions, I have to pay the amount. Appreciate your advice.

Q: Dear Sir/Madam, I filed a complaint with the Insurance Authority against an insurance company because my car got flooded. The case was escalated to the dispute resolution committee, which denied my compensation request because the car was first declared a total loss, but later it was found to be repairable. I want advice and to know how I can appeal this decision.

Q: Dear Sir/Madam, My motorcycle was taken to a motorcycle workshop for repairs due to a coolant leak. After examining the bike, they provided me with a quote and later informed me that the oil and water had mixed, necessitating an engine flush. Although hesitant, I trusted their expertise and paid an initial fee of 5900 AED. Unfortunately, it has been two months since the deposit was paid, and the repairs are still unfinished. When I recently followed up with them, they informed me that the bike lacked compression and power and needed new piston parts. This seems implausible since the engine was running smoothly before the rebuild. It appears that the mechanic did not properly assemble the engine initially, and now they want to charge me an additional 10000 AED to fix their mistake. They continue to increase the cost and make excuses for the delay, even though it should not take three months to rebuild an engine. What are my options?

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?

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.