Q: My car got damaged in an accident, and it was not my fault. The insurance said they will cancel the car and give me AED 5,500, whilst the car value on Facebook maybe is AED 12,000. The sum insured as car value is AED 7000 with insurance Can't I claim pre-accident condition whatsoever the value of repair as it is not my fault? I believe that the faulty party insurance must pay for all the damages that happened to my car due to the others' fault. Why do I have to bear losses in depreciation and cancellation? Please advise.

Q: Good morning, My car was stolen, and I submitted a complaint at the police station six months ago. My car was insured with comprehensive and third-party coverage. Can I still file a claim with my insurance company, or should I do something else?

Q: Good day! I've had an accident a month ago and I took my car for repair and have signed a paper to proceed for repair under the advice of my insurance company. After 1 month, I checked the status of my car and the repair shop asked me to transfer my car to another shop. I drove my car for transfer I noticed that my car has some humming sounds, and it is shaking/having some vibration when it is accelerated to 60. I informed the shop and they said it will not be under insurance. Now, what I am asking from my insurance company is to just make my car roadworthy and without the vibrations/humming sound but they are refusing as they are saying it was because of the normal wear and tear and not because of the accident. But before the accident, my car didn't have any issues like what it has now. My question is, do I have any right to ask the insurance to make my car roadworthy before it is released from the repair shop? Thank you

Q: Good afternoon, I was involved in a major car accident that went through public prosecution. It is important to know that I am the victim in this. My car has been declared a total loss, and they are offering 50% less than the insured sum. I am also trying to recover our medical expenses and personal injury following the accident, for which I have all the invoices and medical diagnosis reports. My insurance is [------] fully comprehensive, but they are not offering any support with recovering the medical expenses or with claiming for personal injury, as I was not at fault in this accident. The faulty party's insurance legal representative mentioned that she does not understand English and does not understand the emails or documents that I send. She is claiming that my medical diagnosis does not suggest that the injury was caused by the accident, even though it is mentioned within the report that the trauma from the car accident is a likely cause of the blood clot initially.

Personal injury involves an injury sustained physically, emotionally and mentally. The injured person is entitled to claim damages where he has suffered an injury due to the other person’s wrongdoing. The victim may file a case against the person, who is found guilty in a criminal case or his insurance company if the defaulter has secured himself by insurance. The UAE civil law allows filing a compensation claim for injury damages.

The Insurance Authority has introduced a new regulation to regulate all electronic and smart insurance operations practiced by licensed insurance companies, insurance-related professions [such as insurance agents, actuaries, insurance brokers, surveyors & loss adjusters, and insurance consultants] and marketing insurance policies through banks to the extent applicable to their nature. The objective of this article is to briefly discuss the changes that are introduced by the new regulation.

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.

The Law sets up the legal framework for the protection of consumer rights in the UAE. The Law establishes the Higher Committee for Consumer Protection and the Consumer Protection Department, and sets up the fines for breach of its provisions.

The provisions of this Federal Law, known as the "New Consumer Protection Law", govern Consumer Protection regulations in the United Arab Emirates. The New Consumer Protection Law repeals the previous UAE Consumer Protection Law (Federal Law No. (24) of 2006 on Consumer Protection).