Accident risk is constantly high on the roads because of the heavy traffic. No matter how cautiously you drive on the road, you simply have no influence over how other drivers operate their vehicles. The worst dread of any driver is having a collision. Accidents can hurt you or other people involved in the collision in addition to seriously damaging your car.
By insuring your car, you can lessen the stress and worry associated with having an accident. In the UAE, including Dubai, auto insurance is required, just like in other parts of the world. According to the rigorous rule of the UAE, if your car is uninsured, you will have to deal with serious repercussions.
If you are in an accident and your automobile is uninsured, you risk getting into trouble with the law as well as having to spend a lot of money mending your car and paying fines for driving without insurance. This article will discuss what happens if you have an accident in the United Arab Emirates without having car insurance. We’ll take a different tack when examining this situation.
REPERCUSSIONS OF NOT HAVING CAR INSURANCE
The UAE requires all vehicles to be insured, as was already mentioned. Without insurance, it is illegal to operate a vehicle on public roads and you risk getting into trouble. The penalty for driving without insurance is a hefty AED 500 fine. Aside from that, the police will impound your vehicle and add penalty points to your driving record.
Car insurance companies will increase their rates if you have penalty points on your driving record or licence since they view you as a high risk. Therefore, rather than taking such a big risk if you are uninsured, you should choose a reputable insurance provider right once and have your automobile covered.
GETTING IN A CAR ACCIDENT WITHOUT HAVING INSURANCE
Apart from paying hefty fines, there are further issues to be concerned about if you are driving in Dubai or another region of the UAE and get into an accident without insurance. Whether you are to blame for the accident or not will determine the severity of the problem. Depending on how much you contributed to the automobile accident, you may face financial hardship in addition to legal ramifications from the other driver. Let’s examine the two situations:
WHEN YOU ARE RESPONSIBLE FOR THE ACCIDENT
What could possibly go wrong for a driver in the United Arab Emirates? getting into a collision without insurance and then being held accountable for it. Your worst-case scenario has you on the hook for any costs incurred by the third party. Not only will you be liable to pay for all the damages caused to the third party’s car, but in case of injury, you will also have to pay their medical bills as well.
Additionally, you will be liable for any damage your car does and be required to pay for it all. The police will have no choice but to refer the issue to a UAE court if you don’t have enough cash to pay for the third party’s entire bill. You will need to go before a judge, who will set you up with a payment schedule to cover all the damages.
Along with this significant financial load, you will also face severe fines for being at fault in an accident and for driving without the necessary auto insurance. In addition, getting into an automobile accident without insurance could result in the suspension of your licence.
WHEN YOU ARE NOT RESPONSIBLE FOR AN ACCIDENT
If you don’t have auto insurance but aren’t at fault for the collision, you’ll just be responsible for the charges associated with not having insurance. The insurance provider for the negligent party will cover your medical costs as well as any harm done to your car.
It’s vital to keep in mind that, as retaliation for your lack of insurance, the police might not provide you with complete coverage. It implies that even though you were not at fault for the collision, you will have to pay a portion of the repair costs out of your own pocket.
WHAT HAPPENS WHEN AN UNINSURED DRIVER HITS YOU?
Let’s now discuss an alternative scenario. Suppose you have full coverage and are hit by an uninsured driver who is also at fault. In that situation, your insurance provider will cover all of your temporary damages, including any medical expenses and the cost of repairing your car. The other driver will ultimately be responsible for covering the bill, and if he is unable to do so in full, he may be put on a payment schedule.