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: تعرضت سيارتي لحادث. وبناء على تعليمات شركة التأمين بعد ذلك قمت بوضع السيارة في الورشة. وبعد أسبوع واحد قاموا بإصلاح باب السيارة. لكن باب السيارة يهتز ولم يتم تثبيته بشكل صحيح. أخذت السيارة مرة أخرى إلى الورشة لمحاولة إصلاحها. ولكن لا يزال باب السيارة يهتز. ماهو الحل؟ هل يمكن تقديم النصيحة؟

س: مرحبًا، لقد صدم شخص آخر كان تحت تأثير الكحول سيارتي. وقع الحادث في إمارة الشارقة حيث كانت سيارتي في موقف سيارات مدفوع الأجر وقاد الطرف الآخر سيارته إلى الموقف وصدم سيارتي. في الوقت الحالي، تم إحالة هذا الأمر إلى المحكمة. لسوء الحظ، لا يمكنني إصلاح سيارتي ولا شركة التأمين، لأنهم يطلبون شهادة من الشرطة والتي لم تصدرها الشرطة بعد.  بما أنه ليس خطأي، لماذا لا تزودني المحكمة أو الشرطة بتقرير الشرطة؟ ماذا يجب عليّ أن أفعل للحصول على شهادة من الشرطة؟

Q: Dear Sir/Madam, My property in Dubai was damaged due to floods and is now mostly uninhabitable. The property management/builder is not taking any steps to rectify the situation. Much of the damage occurred because a water pump in the nearby lake (part of the community) failed. If it had not failed, much less water would have entered the property. Who can I raise a dispute with to ensure the builder repairs the property and compensates me for the damage?

Q: Dear Lawyers, I bought a car from a dealer in Dubai for AED 64,000. After taking delivery, I learned that the car was flooded. At the time of purchase, the dealer assured me that the car was 100% free from flooding and major accidents. What should I do now? Is it possible to get my money back?

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.