What you do in the first hour decides how smoothly the claim runs. The single most common reason a UAE motor claim stalls is a missing or incorrect police report.
Step one – safety, then police
Move to safety if the vehicles are drivable. Then report to the police. In most emirates you cannot progress a claim without the report, and the colour of the report tells the insurer who was at fault.
Step two – photograph everything
Both vehicles, both plates, the position on the road, and any visible injury. Photographs taken later are worth much less.
Step three – call your broker
Call us before you call the insurer. We know which documents that specific insurer will ask for, and sending the right pack first time typically saves days.