If you are injured in an accident in Dubai, compensation is claimed from the at-fault party’s insurance company — and for serious injuries, from the courts. Your claim is built on three things: the police accident report, complete medical documentation, and proof of your financial losses. Here is the exact order of steps we use at Ali Advocates.
Step 1 — Secure the accident report
Call the police (+999) at the scene so the accident is officially reported. The report’s status (commonly called red/green) affects who is treated as at fault. Before leaving the scene, check that the vehicle plates, location and description match what actually happened — mistakes here can haunt the whole claim.
Step 2 — Document the medical side
- Get treated immediately, even if injuries seem minor, and keep every medical report.
- Follow the treatment plan — gaps in treatment are used against claimants.
- Ask your treating hospital for a final medical report describing the injuries and the expected recovery or disability.
Step 3 — Build the financial file
Keep everything connected to your losses: salary certificate and bank statements (lost income), medical invoices and pharmacy receipts, travel and repair costs. Every documented dirham is a recoverable dirham.
Step 4 — The insurance claim
Insurers pay on the basis of the police report of the accident and your medical file. Expect an opening offer — and expect it to be lower than a properly valued claim. Do not sign a final discharge or accept a settlement before the extent of your injuries (and their consequences for your work) are documented.
Step 5 — Court proceedings when needed
If the insurer refuses to pay fairly, the claim proceeds before the civil courts, where compensation is assessed for material losses (treatment, income, other direct losses) and moral harm. In death and serious-injury cases the court applies the statutory compensation (diyya) in addition to proven losses.
Frequently asked questions
How long do I have to bring an accident claim?
Claims are subject to limitation periods and the strength of evidence fades fast — bank records, witnesses and CCTV disappear. Treat the matter as urgent from day one.
Can I claim if the other driver is uninsured or unidentified?
Yes — in hit-and-run and uninsured cases the claim can still proceed through the insurance framework and, where needed, the courts.
How do lawyers charge for accident claims?
Fee models vary by case — fixed, staged, or linked to the recovery. We agree everything in writing before starting. Talk to us before you settle.
Injured and not sure what your claim is worth? Our accident claims team in Dubai values your file before any settlement. Book a consultation or see our FAQs.