Insurance & Accident Claims Law in the UAE
The UAE has one of the most active insurance markets in the Middle East, governed by Federal Decree-Law No. 6 of 2023 and supervised by the Central Bank of the UAE. When an insurer wrongfully rejects, delays, or underpays your claim — or when you suffer an injury or accident through another party's negligence — you have enforceable rights under UAE law.
At Al Safar & Partners, our insurance and accident claims team has represented individuals, families and corporations across all categories of insurance disputes and accident compensation matters. We handle everything from routine motor claims to complex multi-party personal injury litigation before the Dubai Courts.
Our Insurance & Claims Services
Car Accident & Road Accident Claims
Road accidents are the most common source of injury claims in the UAE. We help victims recover compensation for medical expenses, vehicle damage, lost income, and pain and suffering. Where a fatality has occurred, we pursue Diya (blood money) payments and additional damages under UAE law.
Rejected & Disputed Insurance Claims
UAE insurers are legally required to respond to claims within defined timeframes. If your claim has been rejected, delayed, or underpaid without valid grounds, our lawyers file complaints with SANADAK — the Central Bank's insurance dispute resolution body — and escalate to litigation where necessary.
Personal Injury Compensation
Whether your injury occurred in a traffic accident, a workplace incident, a public place, or through a third party's negligence, UAE civil law entitles you to compensation. We assess liability, quantify damages, and pursue full recovery on your behalf.
Medical Malpractice Claims
Medical negligence claims in the UAE involve the Medical Liability Committee of the Dubai Health Authority (DHA) or relevant health authority, followed by civil court proceedings. Our lawyers guide you through the medical-legal process, expert evidence, and court representation to achieve the compensation you deserve.
Diya (Blood Money) & Fatal Accident Claims
UAE law mandates a minimum Diya payment of AED 200,000 for loss of life, with courts empowered to award additional compensation for the circumstances of the death. We represent bereaved families and injured claimants in all Diya proceedings.
The UAE Legal Framework for Claims
- Federal Decree-Law No. 6 of 2023 — overhauled UAE insurance regulation, strengthening policyholder rights and insurer obligations.
- SANADAK — the Central Bank's insurance and banking dispute resolution body with binding decision-making powers.
- UAE Civil Code (Federal Law No. 5 of 1985) — governs tort liability, compensation for injury and wrongful death.
- UAE Penal Code (Federal Law No. 3 of 1987) — establishes Diya and other compensation in criminal and traffic accident contexts.
- Federal Traffic Law No. 21 of 1995 — creates compulsory insurance requirements and liability rules for road accidents.
