One of the most common causes of bodily injuries is car accidents. The UAE legislator has safeguarded the rights of accident victims by requiring vehicle owners to insure their vehicles for third-party liability before obtaining a license. This requirement ensures the rights of an injured party, whether they are a pedestrian or a passenger in public or private transportation, allowing them to directly claim compensation from the insurance company covering the vehicle responsible for the accident. Additionally, the injured party may seek compensation from the at-fault driver, and in certain cases, from the vehicle owner if the driver is not the owner.

Ultimately, the legislator has protected the rights of victims in traffic accidents by allowing them to claim compensation from the insurance company for bodily injuries, disabilities (if applicable), and for blood money (diyyah) and indemnities (Arsh) related to the loss of limbs or their functions. The Black Robe legal team, including car accident injury lawyers and insurance claims attorneys in Dubai and Abu Dhabi, UAE, aims to clarify the rights of accident victims and determine liability in such incidents.

In the event of an injury resulting from a car accident, the insurance company is obligated to compensate the affected party within the limits of its liability as outlined in the Unified Insurance Policy. The insurance company must cover the following:

1. Death or any bodily injury sustained by any individual, including passengers, except for:

   • The policyholder (insured)
   • The driver of the at-fault vehicle
   • Employees of the insured party if they were injured while performing work duties

   Any person inside the vehicle, boarding, or disembarking is considered a passenger. The maximum liability of the insurance company for any claim or series of claims resulting from a single accident is the amount determined by the court, regardless of its value.

2. In case of death of a spouse, parent, or child, the maximum compensation is AED 200,000 per deceased person.

   • For injuries resulting in disability, compensation is based on the percentage of disability relative to AED 200,000.
   • Additionally, medical expenses incurred by the injured victim are covered.

3. In all cases of injury, the insurance company must cover all medical treatment costs incurred by the victim at any government or private hospital, pharmacy, or healthcare provider. If treatment is ongoing, the insurance company must issue a commitment letter to the healthcare provider.

The liability of the insurance company is determined by the amount ruled by the court, covering all legal expenses and costs except for fines. The insurance company must pay compensation to the rightful party as soon as the court ruling becomes enforceable.

The Black Robe legal team has successfully handled numerous bodily injury claims resulting from car accidents, achieving unprecedented legal outcomes.

Additionally, the Black Robe platform and car accident injury lawyers and insurance claims attorneys in Dubai and Abu Dhabi, UAE highlight that in certain cases, the at-fault driver may seek compensation from their insurance company. These scenarios will be explained in upcoming articles.

For legal inquiries regarding compensation claims or any other legal matters, feel free to contact us via the Black Robe platform, either through live chat or phone call.