How to Handle an Accident with an Uninsured Driver in the UAE
DUBAI: In the UAE, all vehicles are required to have motor insurance, with third-party liability coverage being the minimum legal requirement.
However, incidents involving uninsured drivers still occur, often due to lapsed policies or deliberate avoidance.
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Experts warn that driving without insurance can lead to severe penalties, including fines, black points, and vehicle impoundment.
If an accident occurs involving an uninsured driver, the police will attend the scene and issue a formal accident report. The uninsured driver will face various penalties, including fines and potential license suspension.
Liability for Damages
If you are at fault and hold comprehensive insurance, your insurer will cover your repair costs and may recover expenses from the uninsured driver.
Conversely, if you are not at fault, your comprehensive policy typically covers your damages, and your insurer will seek reimbursement from the at-fault party.
However, if your vehicle is insured under a third-party liability policy, you will need to pursue the uninsured motorist directly for compensation.
In cases where the uninsured driver is at fault, they are fully responsible for all costs arising from the accident, including vehicle repairs and medical expenses.
Claiming Compensation
Victims have two primary options for claiming compensation: they can file a claim through their own insurance policy or pursue legal action against the uninsured driver.
Success in recovering costs will depend on presenting clear evidence, such as police reports and medical records.
It is crucial to report any accidents to the police. If you are insured, your insurance company may still cover your damages and seek recovery from the uninsured driver. Uninsured drivers, however, are fully responsible for all costs and may face legal actions.
Experts recommend renewing insurance policies before they expire to avoid gaps in coverage and suggest that comprehensive insurance offers better protection compared to third-party policies.
Comprehensive coverage not only protects your own vehicle but also provides greater financial security in accidents involving uninsured drivers.
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