Introduction
A car accident is always stressful, but in the UAE, knowing exactly what to do in the first 15 minutes can be the difference between a smooth insurance claim and an expensive headache.
As digital systems like the Dubai Police App and Saaed become more integrated in 2026, the process has changed. Here is your step-by-step guide to handling an accident and ensuring your claim through insurancepolicy.ae is processed without delay.
Step 1: Safety First & Move the Vehicle
Before reaching for your phone, ensure everyone is safe.
  • The “Minor Accident” Rule: In the UAE, if the accident is minor and there are no injuries, you must move your vehicle to the shoulder or a safe area to avoid blocking traffic. Failure to do so can result in a fine.
  • Turn on Hazard Lights: Make your vehicle visible to other drivers immediately.
Step 2: Report the Accident Digitally
You no longer need to wait for a police car for minor accidents.
  • In Dubai: Use the Dubai Police App. You can report the accident, upload photos of the damage, and receive your police report via SMS/Email within minutes.
  • In Abu Dhabi & Other Emirates: Use the Saaed App.
  • Major Accidents: If there are injuries or significant damage, call 999 immediately.
Why this matters for your claim: You cannot file an insurance claim in the UAE without an official Police Report (Green for the innocent party, Red for the party at fault).
Step 3: Document the Scene
While waiting for the digital report to generate:
  • Take Clear Photos: Capture the damage to all vehicles involved, the license plates, and the surrounding road signs or landmarks.
  • Exchange Details: Though the police report will capture this, it’s good practice to note the other driver’s name and mobile number.
Step 4: Notify Your Insurance Broker Immediately
Once you have your police report number, contact your broker. If you are insured through insurancepolicy.ae, you can initiate the process online.
  • The 24-Hour Window: Try to notify your insurer within 24 hours.
  • What to Provide: Have your Police Report, Driving License, and Mulkiya (Vehicle Registration) ready.
Step 5: Vehicle Recovery and Repairs
Depending on your coverage:
  • Recovery Service: If your car isn’t drivable, check if your policy includes Roadside Assistance.
  • Agency vs. Non-Agency: Your policy will dictate where your car is repaired. Ensure you use an authorized workshop to maintain your car’s warranty and safety standards.

FAQ

A Green Report means you are the affected party (not at fault), and the other party’s insurance will pay for your repairs. A Red Report means you are at fault; your insurance will cover the other party, but you will need Comprehensive Cover to fix your own car.

If you find your car damaged in a parking lot, you still need a police report. You can file an "Against Unknown" report via the police app (a small fee applies), which allows you to claim through your insurance.

For minor accidents, approval usually takes 24–48 hours. Repairs depend on the workshop’s workload and spare part availability, which is currently a key trend in 2026.

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