UAE: If someone crashes my car while it is parked, do I have to pay the insurance company a "excess charge"?
All motor vehicles in the Emirates are required to carry at the very least third-party liability insurance, if not comprehensive coverage as well.
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While it was parked, my vehicle was struck by another vehicle. I complied with the law and parked in the designated area. My insurance provider has requested that I pay something that is referred to as a "excess charge." Is doing so permissible?
In light of the fact that you asked this question, I will infer that the auto insurance policy that you have purchased for your automobile is one that only covers third-party liability and not comprehensive coverage.
crashes my car while it is parked
Every motor vehicle that is driven on UAE roads must have at least third-party liability insurance. This is in compliance with Article 4(1) of the Insurance Authority Decision No. 25 of 2016, which stipulates, "The Insurance Company should issue a third party liability insurance policy on all motor vehicles licenced in the State when it is so requested by the related parties." The decision was issued in 2016.
Because your car is protected by third-party liability insurance, it is likely that your insurance company is requesting that you pay a higher premium in order to cover the additional costs associated with your policy. This assumption is founded on the legal restrictions that have been outlined above. If your vehicle was damaged by another vehicle while it was parked in a parking lot, then the damages should be covered by your automobile insurance policy if the accident occurred during the time period that the policy was in effect.
do I have to pay the insurance company a "excess charge"?
This is in accordance with clause 29(b) of the Standard Conditions related to the Unified Motor Vehicle Insurance Policy Against Loss and Damage, which states, "The Company and the Insured may agree, using riders in return for an additional premium and within the scope of the terms and conditions herein, that the Company shall insure against the other damages not provided for in this Policy in particular "coverage of the damages or risks which occur outside the roads." This clause states that the company will insure against the damages.
You have the right to register a complaint against the insurance company with the Insurance Authority of UAE and try to negotiate the situation amicably with the insurance company if your car is covered by comprehensive insurance cover and it covers insurance for damages caused for accidents that occur off the roads. However, if your automobile is covered by comprehensive insurance cover, then it also covers insurance for damages caused for incidents that occur on the roads.
Clause 36 of the Standard Conditions related to Unified Motor Vehicle Insurance Policy Against Loss and Damage states that "the courts of the United Arab Emirates shall be competent to determine any disputes arising from the insurance policy." If the insurance company does not agree to settle, then you may approach a court in the UAE that has jurisdiction to hear the matter. This is mentioned in Clause 36 of the Standard Conditions related to Unified Motor Vehicle Insurance Policy Against Loss and Damage.