CarteaWikiCar KnowledgeOnline Platforms & Insurance Claims

Online Platforms & Insurance Claims

Mustafa Karim
Mustafa Karim
2025-03-22
contents

Navigating the process of obtaining a traffic accident report after an incident can be stressful. This updated guide for 2025 provides Gulf region drivers, particularly in the UAE and Saudi Arabia, with a clear understanding of the three primary official methods to secure this crucial document, streamlining the process for insurance claims and other necessary procedures following a car accident report UAE or accident claim Saudi Arabia.

I. 3 Core Methods for Obtaining Your Traffic Accident Report in 2025

1. Applying Online for Your Accident Report (Preferred for Dubai/Abu Dhabi)

  • Applicable Platforms:

    • Dubai: Dubai Police App (user-friendly interface with English support) for obtaining your online accident report Dubai.

    • Other Emirates in the UAE: MOI UAE e-Services portal for your police report for car accident Abu Dhabi and other regions.

    • Saudi Arabia: Absher platform's traffic accident reporting system for your accident claim Saudi Arabia.

  • Required Documents: Ensure you have these ready in digital format when applying for your traffic accident report:


Document Type

Electronic Version Requirements

Upload Format

Driver's License

Must include the chip information on the back

PDF/High-Res Photo

Vehicle Registration Card

Valid page showing expiry date

Scanned Copy

Accident Scene Photos

Clearly showing license plates and damaged

areas

JPG/PNG


Applying online is often the quickest way to obtain your accident report UAE, especially for minor incidents.

2. Obtaining the Police Report in Person at the Police Station (Recommended for Complex Accidents)

  • Processing Time Comparison for your traffic accident report:

  1. Simple Accidents: Report obtained on the spot (approximately 85% of cases based on 2025 data from the Gulf Traffic Council).

  2. Accidents with Injuries: 3-5 working days (requires forensic medical examination as per UAE and Saudi regulations).

  3. Cross-Border Accidents: 7-10 working days (requires authentication from the Ministry of Foreign Affairs in both the UAE and Saudi Arabia).

For accidents involving serious injuries, fatalities, or significant disputes, obtaining the traffic accident report in person might be necessary for a more thorough investigation.

3. Letting Your Insurance Company Handle the Accident Report (Suitable for Non-Liable Parties)

  • List of Claim Documents Typically Required by Insurance Companies for your accident claim Saudi Arabia or UAE claim:

    1. Original traffic accident report (Arabic and English bilingual version is often preferred by insurance companies in the UAE).

    2. Damage assessment report issued by an authorized repair workshop in the UAE or Saudi Arabia.

    3. Medical report from the hospital (if there were any injuries sustained during the car accident report UAE incident).

    4. Dashcam video footage (must include a visible timestamp and clear recording of the incident for your accident claim Saudi Arabia).

If you were not at fault in the accident, your insurance company in the UAE or Saudi Arabia can often assist in obtaining the necessary traffic accident report on your behalf.

II. Guide to Understanding Key Information in Your Traffic Accident Report

1. Decoding Liability Codes in Your Accident Report

  • Code Reference Table (based on UAE examples, similar codes apply in Saudi Arabia with slight variations):

  1. Simple Accidents: Report obtained on the spot (approximately 85% of cases based on 2025 data from the Gulf Traffic Council).

  2. Accidents with Injuries: 3-5 working days (requires forensic medical examination as per UAE and Saudi regulations).

  3. Cross-Border Accidents: 7-10 working days (requires authentication from the Ministry of Foreign Affairs in both the UAE and Saudi Arabia).

Understanding these codes is crucial for your insurance claim process after obtaining your traffic accident report.

2. Important Considerations for Your Accident Claim Saudi Arabia and UAE Claims

  • Handling Cross-Border Accidents: Accidents occurring near the Saudi border might require obtaining a GCC-standard unified format report in addition to the local Saudi report for insurance purposes in the UAE.

  • Checking Historical Records: The Dubai Roads and Transport Authority (RTA) offers a service to access traffic accident records for up to 5 years, which can be useful for various reasons, such as vehicle history checks.

  • Dispute Resolution: The Abu Dhabi Judicial Department has specialized traffic arbitration courts to resolve disputes related to traffic accident reports and liability. Similar mechanisms exist in Saudi Arabia through traffic courts.

III. New Regulations and Common Questions Regarding Traffic Accident Reports in 2025

1. Legal Validity of Electronic Traffic Accident Reports in the Gulf

  • As of December 2024, the UAE fully recognizes the legal validity of digital traffic accident reports as evidence in court proceedings.

  • Saudi Arabia mandates that electronic accident claim Saudi Arabia reports must include a blockchain timestamp certification for enhanced authenticity and legal standing.

2. Key Points for Timely Processing of Your Accident Report

  • The Golden 48-Hour Rule: It is essential to submit your traffic accident report application within 24 hours of the accident in both the UAE and Saudi Arabia to facilitate prompt processing.

  • Insurance Claim Deadlines: Most insurance companies in the Gulf region require the submission of complete claim documents, including the car accident report UAE or Saudi report, within 14 days of the incident.

3. Solutions for Language Barriers When Obtaining Your Accident Report

  • Dubai Police offers free certified translation services (including English and other languages) to assist with understanding your online accident report Dubai.

  • The Saudi Ministry of Interior (MOI) website has integrated smart voice input features to aid in filling out accident report forms in Arabic.

  • Utilizing real-time translation apps like Google Lens can be helpful for quickly understanding key sections of your traffic accident report, especially if it's in Arabic and you are more comfortable with English.

Special Note: Starting in 2025, the UAE has implemented a tiered system for traffic accident reports. Accidents resulting in damages below AED 2,500 can often be generated automatically through smart police systems without the need for manual intervention, streamlining the process for minor incidents.

Frequently Asked Questions About Obtaining Traffic Accident Reports in the Gulf Region (2025)

Q: Is there a cost associated with obtaining a traffic accident report in the UAE or Saudi Arabia?

A: In many cases, obtaining a standard traffic accident report online or through the police is free of charge in both the UAE and Saudi Arabia. However, there might be fees for requesting certified copies or historical records from the traffic authorities.

Q: Can I use a digital copy of the traffic accident report for my insurance claim in the UAE and Saudi Arabia?

A: Yes, digital copies of traffic accident reports obtained through official online platforms are generally accepted by insurance companies in both the UAE and Saudi Arabia for processing claims. Ensure the digital report is clear and contains all necessary information.

Q: What should I do if the other party involved in the accident refuses to cooperate in filing a traffic accident report in Saudi Arabia or the UAE?

A: If the other party refuses to cooperate, you should still proceed to report the accident to the nearest police station in the UAE or Saudi Arabia. The police will conduct their investigation and issue a traffic accident report based on the available evidence.

Q: What steps should I take if I disagree with the fault determination in my traffic accident report in the UAE or Saudi Arabia?

A: If you disagree with the fault determination in your traffic accident report, you have the right to file an appeal with the relevant traffic authorities or through the traffic courts in the UAE or Saudi Arabia. You will typically need to provide evidence or documentation to support your appeal.

Q: What procedures should I follow if I am involved in a traffic accident with an uninsured driver in the UAE or Saudi Arabia?

A: If you are involved in an accident with an uninsured driver in the UAE or Saudi Arabia, you should still report the incident to the police to obtain a traffic accident report. You will then need to file a claim with your own insurance company, especially if you have comprehensive coverage that includes uninsured motorist protection.

Read more:

How to Choosing the Best Car Wheels

Also Read:

previous: How to Choosing the Best Car Wheels?Next: Guide to Removing Sticky Residue from Your Car Dashboard in 2025
Mustafa KarimMustafa Karim
Chief editor information:
Mustafa Karim, having been deeply involved in automotive research and development for over ten years. He is fond of Japanese cars, and their precise and energy-efficient features have influenced him. In his spare time, he loves Japanese anime and kendo, drawing inspiration from them for control system research and development. He also often shares cutting-edge automotive knowledge on platforms, contributing to industry innovation and adding strength to automotive development with his expertise.

News in UAE

The Prices of Car Insurance in Saudi Arabia for New Cars

The Prices of Car Insurance in Saudi Arabia for New Cars

Aug 11128
Honda Enters the Insurance Market: Unique Coverage with Genuine Parts to Preserve Your Car's Value

Honda Enters the Insurance Market: Unique Coverage with Genuine Parts to Preserve Your Car's Value

Jul 271505
Modified Car Insurance in Saudi Arabia: What You Need to Know to Avoid Rejection

Modified Car Insurance in Saudi Arabia: What You Need to Know to Avoid Rejection

Jul 23381
How to Transfer Car Insurance from One Person to Another in UAE:A Simple Guide

How to Transfer Car Insurance from One Person to Another in UAE:A Simple Guide

Jul 109425
What Is Excess in Car Insurance? The Essential Guide to Your Costs

What Is Excess in Car Insurance? The Essential Guide to Your Costs

Jul 1041557
Cheapest Third Party Car Insurance in Dubai:2025 Money-Saving Guide

Cheapest Third Party Car Insurance in Dubai:2025 Money-Saving Guide

Jul 1125441
How to Renew Car Registration in Dubai Online:2025 Step-by-Step Guide

How to Renew Car Registration in Dubai Online:2025 Step-by-Step Guide

Jul 176078
Dubai Traffic Fines Inquiry:How to Check & Pay Online in 2025

Dubai Traffic Fines Inquiry:How to Check & Pay Online in 2025

Jul 1720789
Rolls-Royce Cullinan Insurance Cost:What Every Owner Needs to Know

Rolls-Royce Cullinan Insurance Cost:What Every Owner Needs to Know

Jul 2419349
Online Fine Check RTA:Your 2025 Guide to Traffic Fines Payment

Online Fine Check RTA:Your 2025 Guide to Traffic Fines Payment

Jul 241309