Bambaiya
New Board Participant
Posts: 24
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Post by Bambaiya on Jan 22, 2005 7:08:17 GMT -5
Hey Guys, Eid Mubarak!
Ignore my poor knowledge on this but I read a lot of posts about vehicles which roll-over, sustain extensive damage and are written-off at times.
How does one manage to claim it? does a normal comprehensive policy cover it? how do you get a police report at a place where you have a roll, can anyone enlighten me.
thanks.
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Post by Fouad Berjaoui on Jan 22, 2005 15:13:21 GMT -5
Well, in a way, Thank GOD this club has not had a roll-over, so our experience in this field is at its minimal.
But about 6 years ago, I was riding with a friend in his Jeep and he flew over a dune, we landed nose down and wrecked the front windshield, the car needed repair, but did not roll over, we had to involve the police to make an insurance claim, I guess the roll-over follows the same procedure, so here goes :
Just a small background about the trip itself, we went to the Khawaneej area, went in and out from the Dubai Airport area.
When we came out of the desert, we went to the nearest police station (khawaneej police station). where we reported the incident to the police and informed them that it was a ONE car accident. the officer sent a policeman with us to the site where the vehicle was in the desert. apparently the desert area we where in belonged to the Sharjah jurisdiction. So the first thing you should determine is the desert location where the incident occurs, to which Emirate does it belong to.
So we had to go to Sharjah Police and report the incident. again we went to the accident location in the desert, this time with a Sharjah Policeman, who then came back wrote a report with an insurance paper, my friend went to the insurace company and made his claim.
Mind you this was not a roll-over but I am assuming the procedures are the same, so DO NOT MOVE the vehicle until a Policeman comes and inspects the accident site, then HE WILL tell you if you can move the vehicle or not.
In any case the Police must write a report, and in the report it will mention if you are allowed to take your car out or not.
after you are allowed to "legally" mopve the vehicle out of the desert to a garage, the garage will write a report on whether the vehicle can be repaired or should be written off (I think).
I hope this helps, sorry it's not much of a roll-over experience, but again I say, I am assuming the procedures are the same.
Fouad
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Bambaiya
New Board Participant
Posts: 24
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Post by Bambaiya on Jan 22, 2005 15:57:46 GMT -5
Thanks for the info Fouad.
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Bjorn
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Posts: 76
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Post by Bjorn on Jan 29, 2005 1:55:58 GMT -5
1: Do NOT assume you are covered for off-road accidents. Check your policy and better yet, check with your insurance company - get it in writing. Some companies have exclusions, especially on cars older than a couple of years. 2: I have always just taken the damaged car to the nearest police station, they have taken me "round the corner" and completed the report there. If it's a multi-car incident or involves damage to persons might be best to follow the advise above. 3: Make sure you get all damages properly described on the report or your insurance company will not cover.
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