Emirates Insurance offers a proposal to reduce  joint examination duration

Asma Ahmed - | UAE

An official from the Emirates Insurance Federation has spilled the beans on an upcoming plan that will shorten the time it takes for "joint inspections" on vehicles that have "third party insurance."

Instead of the present three business days, the suggestion calls for an examination time of no more than 48 hours. This change accounts for business hours and holidays so it won't affect the total time it takes to fix anything. Helping insured people who have been in car accidents is our top priority.

Recently, demands were voiced by insured individuals, emphasizing the need to shorten the evaluation and "joint examination" period conducted by insurance companies for both the "victim" and the "cause" of an accident. This period, currently exceeding the customary three days recommended by the Emirates Insurance Federation, poses challenges, especially during official holidays or accidents occurring over the weekend. The proposed change is expected to receive approval in upcoming meetings, considering the flexibility and understanding demonstrated by most insurance companies towards the needs of the insured, particularly when they are not at fault.

The insider clarified that the inspection period, whether under the current system or the anticipated change, if approved, is considered a maximum. Many companies already conduct joint evaluations and inspections on the same day, ensuring a prompt return of the damaged car. Cooperation and directives from the Central Bank aim to overcome obstacles affecting the confidence of insured individuals in insurance companies, thereby preserving the sector's reputation as the largest in the Arab world.

In the event of an accident and subsequent delivery of the damaged car, the insured individual has the right to obtain a replacement car or the equivalent daily rental value for up to 10 days. The agreed-upon car rental allowance stands at a maximum of 70 dirhams per day for a saloon car and 100 dirhams for a four-wheeler. Further steps are anticipated to streamline the car repair process, fostering collaboration with garages and various repair shops to minimize delays for customers.

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Asma Ahmed
Asma Ahmed
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