Motor third-party insurance is compulsory in the UAE, and the Unified Motor Insurance Policy fixes minimum terms insurers cannot dilute. We help accident victims pursue their full legal entitlement rather than settle for less.
Motor vehicle accidents are among the most common causes of personal injury in the UAE. Under the UAE Traffic Law and its implementing regulations, every registered vehicle must carry third-party liability insurance, and the Unified Motor Insurance Policy fixes the standard terms of that cover — insurers cannot exclude or reduce protection below the unified minimums. In practice, however, accident victims who deal with insurers directly often accept settlements well below their legal entitlement, simply because they do not know what the law allows them to claim.
Compensation in motor accident cases can cover medical expenses, loss of income and future earning capacity, vehicle and property damage, and moral (non-material) damages. Where an accident causes death, the deceased’s family is entitled to Diya — fixed at AED 200,000 and subject to apportionment where the traffic file records contributory fault — and civil compensation for material and moral harm can run alongside the Diya claim. Both elements can fall within the insurer’s exposure under the compulsory cover. The percentage of fault recorded in the police report and traffic file is often decisive, which is why early legal involvement matters.
The new UAE Civil Code (Federal Decree-Law No. 25 of 2025, effective 1 June 2026) has also given courts express power to review compensation paid by instalments or annuity where the victim’s condition changes — an important development in serious injury cases where the long-term impact of an injury only becomes clear over time.
Strategic legal guidance from accident to compensation:
Securing and analysing the police report, traffic file, witness statements, and expert assessments to establish liability and fault apportionment.
Working with treating physicians and medical experts to document injuries, disability percentages, and future medical needs.
Quantifying lost income, reduced earning capacity, and long-term financial impact with supporting evidence the courts accept.
Engaging directly with insurance companies to pursue fair settlements based on your actual legal entitlement.
Pursuing claims before the Insurance Dispute Resolution Committees and the UAE Courts where settlement offers are inadequate.
Challenging rejected or undervalued claims through appeal, up to the Court of Cassation where warranted.
See also: Blood Money (Diya) & Death Compensation · Insurance Claim Disputes & Rejected Claims.
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Ask a questionThis page is provided for general information only and does not constitute legal advice. Law references last reviewed July 2026.
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