Accidents & Insurance

Car Accidents & Insurance in the UAE

What to do after a crash, how the police report decides who pays, how to claim, where to get the car repaired and how to choose the right cover, for Dubai, Abu Dhabi, Sharjah and the northern emirates.

What happened?

Start with the situation you are in.

I just had an accidentInjuries or not, what to do in the first 30 minutes, which app to report in and how to avoid fines.Step-by-stepRead guide I have a report and want to claimGreen, red or white report: which insurer pays, documents, excess, replacement car and total loss.ClaimsRead guide I need the car repairedAgency or garage, claim or pay yourself, and how to compare itemised bodywork quotes.RepairsRead guide

The complete guide, step by step

Read them in order, or jump to the part you need.

  1. 1After an Accident · 9 min readCar Accident in Dubai & the UAE: What to Do, Step by Step (2026)What to do in the first 30 minutes after a car accident in the UAE: injuries vs minor damage, moving the cars, photos, reporting through the Dubai Police, Saaed, Rafid or MOI apps, report colours, hit-and-run and the mistakes that cost you your insurance claim.
  2. 2Insurance Claims · 9 min readCar Insurance Claim in the UAE After an Accident: Documents, Excess, Timelines & Total LossHow a UAE motor insurance claim works after an accident: which insurer pays (green vs red report), documents, excess and extra deductibles, replacement car or daily allowance, settlement time, total loss and flood claims.
  3. 3Repair Options · 7 min readAgency vs Non-Agency Repair in the UAE: Insurance Cover, Parts, Resale Value & Paying YourselfWhat "agency repair" and "non-agency repair" mean in a UAE insurance policy, when dealer repair is worth the higher premium, how parts and paint quality differ, and how to get accident damage repaired without a claim.
  4. 4Choosing Insurance · 7 min readThird-Party vs Comprehensive Car Insurance in the UAE: What Each Covers and How to ChooseThe difference between third-party liability and comprehensive car insurance in the UAE, what is and is not covered, extras worth paying for (agency repair, Oman cover, replacement car), and how new drivers and owners of older cars can save.

Frequently Asked Questions

What should I do immediately after a car accident in Dubai?

Check for injuries and call 999 if anyone is hurt. If it is a minor accident and the cars can be driven, photograph the scene, move the cars out of traffic, exchange details and report it through the Dubai Police app.

Which app do I use to report a minor accident?

Dubai Police app in Dubai, Saaed in Abu Dhabi, the Rafid app in Sharjah and the MOI UAE app in Ajman, Ras Al Khaimah, Umm Al Quwain and Fujairah. Call 999 if the app flow does not fit your situation.

Can I fix accident damage without going through insurance?

Yes, but you still need the accident report, because workshops cannot repair accident damage without it. Paying directly often makes sense for small damage below your excess.

Who pays for my car if I was not at fault?

The at-fault driver's insurer. With a green report you claim from their insurer with no excess.

Official Sources

Always confirm current fees and rules with the authority before you pay:

Sources & accuracy. Compiled by the Findgarag.es editorial team from public information (Dubai Police, Abu Dhabi Police, Ministry of Interior, UAE Government portal, UAE newspapers and insurer guides) as of November 2026. Report fees, fines and insurance terms are indicative and can change; your insurance policy wording always decides what is covered. This guide is general information, not legal or insurance advice. Findgarag.es is not an insurer or insurance broker and is not affiliated with any police force or insurance company.