Q: I was involved in a car crash in my immediate line manager's car in Abu Dhabi. We were stationary at lights when a second vehicle drove at speed into the back of the car, I was thrown violently forwards and cried out in pain when the seat belt restricted my forward movement and my neck made a cracking noise. The traffic police attended and called for an ambulance to take me to the emergency hospital for investigation and treatment. I was strapped to a spine board with my neck held in a brace. I was x-rayed and examined by the doctors and was told I had torn muscle tissue in my neck, for this injury they gave me medication that the company paid for. Eventually, my condition worsened and after an MRI scan, it was found that further injuries had been sustained.The police report made no mention of my injuries, yet the hospital report said the police had sent me and that I was injured. The third party insurers decline any responsibility as no injury was mentioned in the police report. What can I do?  

س: حدث لنا حادث سيارة في مارس 2016، وحدث لنا بعض الإصابات على إثره. هل ما زال يمكننا رفع دعوى حتى بعد مرور 4 أشهر؟ علمًا بأن المتسبب الحادث قد أمضى عقوبة شهرين في السجن بسبب سكره أثناء القيادة في إبريل 2016.

Q: How much money can we claim, as a pedestrian injury in Dubai where the leg was fractured and surgery was done?

س: أعرت سيارتي لشخص ليقودها ووقع حادث. اكتشفت الشرطة أنه كان مخمورًا. تسبب الحادث في إصابات وأضرار. أصحاب الإصابات رفعوا الآن دعوى مدنية للمطالبة بالتعويض. على مَن تقع مسؤولية التعويض؟ على المتسبب في الحادث أم الـمالك أم شركة التأمين حسب القانون الإماراتي؟

س: مرحبًا سيدي، لقد شاركت في حادث. كان خطئي. أثناء الحادث قال الطرف الثاني إنه أصيب ببعض الإصابات الطفيفة في رقبته ولذلك استدعى سيارة الإسعاف وخضع للإسعافات الأولية وغادرنا المكان. بعد يومين، أرسل لي فاتورة المستشفى بقيمة 1,400 درهم إماراتي وأخبرني أنه يجب عليّ الدفع. ماذا يجب عليّ أن أفعل؟

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: My family and I had an accident. The incident occurred the very next day of their arrival in the UAE on a residence entry permit and their visa//health insurance was still in process. With gods grace, everyone was discharged from the hospital on the 3rd day after many tests and keeping us under observation. We were slapped with a hefty bill as my family was not holding any health insurance. What are the chances that I could claim the medical expenses through the vehicle insurance, as it covers co-passengers as well?

Q: Dear Sir/Madam, I hired a rental car, and it was involved in an accident. I'm a new license holder. However, the accident was caused by my colleague and was registered under his license, with an ARC report generated (minor scratches only). Now, the rental car company is asking me to pay 10,000 DHS because I let someone else drive the car, saying the insurance won't cover this. But I don't have that kind of money. What can be done in this situation?

يندرج تحت الإصابة الشخصية الإصابات الجسدية والنفسية والعقلية. يحق للمُصاب أن يطالب بالضمان في حالة تعرُّضه لإصابة بسبب خطأ شخص آخر. كما يجوز للمتضرر إقامة دعوى ضد الشخص الذي تثبت إدانته في قضية جنائية أو ضد شركة التأمين الخاصة به إذا كان المتسبب قد شَمِل نفسه بالتأمين. يسمح القانون المدني الإماراتي بتقديم مطالبة بالضمان عن أضرار الإصابات.

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 law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.