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AI-assisted content notice: This article was written with AI assistance and reviewed by the Tovi team. UAE rules and fees change — always verify with official sources before acting. Last reviewed: July 2026.
🪪 Expat lifeDriving✓ Verified Jul 2026

What to Do After a Car Accident in UAE: Step by Step

After a UAE car accident, follow the official police, insurance, and repair steps in the right order to avoid delays or fines.

·5 min read·By the Tovi UAE Team
white sedan parked near palm tree during daytime
Photo by Euan Cameron on Unsplash

Stay Safe and Call the Right Number

Stop in a safe spot and turn on hazard lights. If anyone is injured, call 999 immediately for ambulance and police. For non-injury accidents, use the Dubai Police app or call 901 to report within one hour. Moving vehicles before police arrive can lead to fines up to AED 500.

Exchange Details and Take Photos

Swap names, phone numbers, license plates, and insurance details with the other driver. Take clear photos of both cars, number plates, damage, and the road layout from different angles. These images help your insurer and speed up the claim.

Get the Official Police Report

The attending officer issues a report with a reference number. In Dubai this appears instantly in the Dubai Police app. In Abu Dhabi, check the Abu Dhabi Police app or visit the nearest station. You need this report for insurance, garage repairs, and any traffic fine disputes.

Notify Your Insurer Within 24 Hours

Call your insurance company as soon as the police report is ready. Most policies require notification within 24 hours. Provide the police report number, photos, and driver details. Your insurer will issue an approval letter for the garage and tell you which approved workshops to use.

Choose an Approved Garage and Track Repairs

Take the car to a garage on your insurer approved list. The garage inspects the vehicle and sends an estimate to the insurer. Once approved, repairs begin. Ask for a written timeline and daily updates. Keep copies of every document for your records.

Pay Any Deductible and Collect Your Car

When repairs finish, pay your policy deductible if required. The garage returns the car with a repair invoice and warranty. Check the work before leaving and confirm the police report is closed in the app. Any unpaid traffic fines must be settled before vehicle registration renewal.

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Frequently asked questions

Do I need a police report for every accident?▾

Yes. Even minor damage requires a police report for insurance claims and to avoid fines for failing to report.

How long do I have to report the accident?▾

Report within one hour via 999, 901, or the police app. Late reporting can result in extra fines.

Which garages can I use for repairs?▾

Only garages approved by your insurer. Using an unapproved workshop may void your claim.

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