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Al Safar & Partners · Insurance & Claims

Insurance & Accident Claims Lawyers in Dubai.

From rejected insurance claims and road accident compensation to medical malpractice and Diya — our specialists recover what you are legally owed under UAE law.

Insurance & Accident Claims Law in the UAE

The UAE has one of the most active insurance markets in the Middle East, governed by Federal Decree-Law No. 6 of 2023 and supervised by the Central Bank of the UAE. When an insurer wrongfully rejects, delays, or underpays your claim — or when you suffer an injury or accident through another party's negligence — you have enforceable rights under UAE law.

At Al Safar & Partners, our insurance and accident claims team has represented individuals, families and corporations across all categories of insurance disputes and accident compensation matters. We handle everything from routine motor claims to complex multi-party personal injury litigation before the Dubai Courts.

Our Insurance & Claims Services

Car Accident & Road Accident Claims

Road accidents are the most common source of injury claims in the UAE. We help victims recover compensation for medical expenses, vehicle damage, lost income, and pain and suffering. Where a fatality has occurred, we pursue Diya (blood money) payments and additional damages under UAE law.

Rejected & Disputed Insurance Claims

UAE insurers are legally required to respond to claims within defined timeframes. If your claim has been rejected, delayed, or underpaid without valid grounds, our lawyers file complaints with SANADAK — the Central Bank's insurance dispute resolution body — and escalate to litigation where necessary.

Personal Injury Compensation

Whether your injury occurred in a traffic accident, a workplace incident, a public place, or through a third party's negligence, UAE civil law entitles you to compensation. We assess liability, quantify damages, and pursue full recovery on your behalf.

Medical Malpractice Claims

Medical negligence claims in the UAE involve the Medical Liability Committee of the Dubai Health Authority (DHA) or relevant health authority, followed by civil court proceedings. Our lawyers guide you through the medical-legal process, expert evidence, and court representation to achieve the compensation you deserve.

Diya (Blood Money) & Fatal Accident Claims

UAE law mandates a minimum Diya payment of AED 200,000 for loss of life, with courts empowered to award additional compensation for the circumstances of the death. We represent bereaved families and injured claimants in all Diya proceedings.

The UAE Legal Framework for Claims

  • Federal Decree-Law No. 6 of 2023 — overhauled UAE insurance regulation, strengthening policyholder rights and insurer obligations.
  • SANADAK — the Central Bank's insurance and banking dispute resolution body with binding decision-making powers.
  • UAE Civil Code (Federal Law No. 5 of 1985) — governs tort liability, compensation for injury and wrongful death.
  • UAE Penal Code (Federal Law No. 3 of 1987) — establishes Diya and other compensation in criminal and traffic accident contexts.
  • Federal Traffic Law No. 21 of 1995 — creates compulsory insurance requirements and liability rules for road accidents.
Common Questions

Frequently Asked Questions

Yes. If your insurer rejects a claim, you can file a dispute with SANADAK (the Central Bank's dispute resolution body) within 60 days of the rejection. If unsatisfied with SANADAK's decision, you can appeal to the Court of Appeal. Our lawyers handle the full process.
For civil personal injury claims, the UAE limitation period is generally 3 years from the date you knew or should have known of the damage. Insurance policy claims must usually be submitted within the timeframes specified in the policy. We advise acting as soon as possible.
You may recover: vehicle repair or replacement costs, medical expenses (past and future), lost income, pain and suffering, and — in fatal cases — Diya (minimum AED 200,000) plus additional compensation for dependants.
While you can file directly with SANADAK, having a qualified UAE lawyer significantly improves your chances of a full recovery, particularly in complex or high-value disputes, and is essential if the matter escalates to court.
Diya (blood money) is a mandatory payment under Sharia-based UAE law for death caused by another party. The minimum amount is AED 200,000 under current UAE law. Courts may increase this based on the circumstances, and additional civil compensation can be claimed alongside Diya.

Get the Compensation You Deserve.

Initial consultation from AED 500 — waived when you open a case with us. Available in Arabic, English and more.

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