Identifying cases of deprivation of insurance compensation due to violations in the UAE

rawda samy 1 week ago

Cases of denial of insurance compensation due to violations were announced in the Emirates, where a legal advisor in the UAE issued cautionary statements through which he identified the violations that deprive those who commit them from insurance compensation. denial of insurance compensation in the uae

Determine the violations that prevent obtaining insurance compensation in the UAE

The violations that prevent them from obtaining insurance compensation in the Emirates have been identified, including violating the conditions and controls contained in the insurance policy, including not following the terms of the insurance policies well, in order to know the rights due to them, including committing actions that contradict what is stated in the insurance policy that causes them to be denied access insurance, including not knowing the limits of insurance coverage، A legal adviser in the United Arab Emirates released cautionary remarks after cases of insurance compensation being denied due to violations were publicised in the Emirates. In these statements, the legal advisor defined the violations that prevent people who commit them from receiving insurance compensation.

Preventing obtaining insurance compensation in the UAE due to a violation of what was stated in the insurance policy

Dr. Youssef Al-Sharif, the legal advisor, issued a warning against behaviours that lead to persons losing their rights in compensation claims in situations of car accidents against insurance companies, These behaviours include breaching the terms and controls that are contained in the insurance policy. They should be aware of the rights that are due to them in the event of an accident, whether it be a car accident, a medical error, or anything else, and they should also avoid doing activities that might cause them to lose their rights to get compensation from insurance companies in the event of an accident.

Violations of the provisions of the insurance policy that deny compensation

A person by the name of Murad claims that he was responsible for a traffic accident that did not result in any injuries or deaths and that he was told by insurance companies that their compensation claims would be denied on the grounds that they had violated the terms and conditions that were included in the insurance policy or because they were unaware of the limits that were permissible for coverage. Both of these reasons were cited in the individuals' statements. However, he caused severe damage to his vehicle as well as the vehicle of the victim, but he was later surprised to learn that the insurance company refuses to repair his vehicle as well as the vehicle of the victim on the basis that at the time of the accident, he was driving a vehicle with a "normal gear" while holding a "automatic" driver's licence, This is the reason why the insurance company refuses to repair his vehicle as well as the vehicle of the victim. Is the insurance company within its rights to decide not to repair the two vehicles in light of this particular reason? Al-Sharif, for his part, emphasised that the insurance company has the right to refuse to repair the vehicle, if it becomes clear to it that the perpetrator violated the terms of the insurance policy, including the fact that he was driving a vehicle and causing the accident with a driving licence that was different from the category authorised in the driver's licence that he obtained, calling for the significance of taking precautions when driving, In addition, Al-Sharif emphasised the significance of taking precautions when Be wary of errors or actions that some people may believe to be straightforward, but which still cause the individual to forfeit his or her entitlement to reimbursement because the individual has violated the terms of the insurance policy.

Limited insurance coverage limits prevent claims in the UAE

He continued by saying that the first payment made by the insurance company in the case was to remove its legal liability for amounts that exceed one million dirhams, while the amount of compensation claimed for the damages incurred amounted to five million dirhams. He questioned how he could get the full compensation if the court had ruled for him an amount that was greater than one million dirhams.

Deprivation of insurance compensation due to delay in claiming compensation

If a person is late in claiming compensation for an accident, due to his lack of knowledge of the identity of the defendant, then in such a case, he can sue the insurance company and the person responsible for the accident, and asking them for appropriate compensation, and for the questioner, if she is a victim of the accident, Al-Sharif drew attention to the need to pay attention to the statute of limitations in cases against insurance companies, which include claims for financial and moral compensation. In addition,

Deprivation of insurance compensation due to an excess of the specified insurance coverage

As insurance companies are not required to pay more than what is stated in their insurance policy for the plaintiff, Al-Sharif advised that it is necessary to be knowledgeable of the legal procedures followed when filing compensation claims for medical errors. As a result, the hospital or doctor may be sued to pay the claimed compensation amounts in addition to the insurance company.