What to Do After a Rental Car Collision: Insurance Coverage Solutions You Can Avail

what happens when you get into an accident with a rental car- car insurance- insurance brokers- UAE 09 Nov, 2023

Learn the right actions to take after a rental car collision in Dubai. Explore insurance coverage solutions and protect yourself financially.

Getting involved in an accident while driving a rented car can be a stressful experience. Knowing the right steps to take and understanding your car insurance coverage can help you navigate through such situations with ease.

Rental car accidents can be traumatic, but being prepared can make all the difference. This article will guide you through the essential steps to take after a collision with a rental car in UAE and delve into the importance of having the right car insurance coverage. From reporting the accident to understanding insurance options, we've got you covered.

Whether you're a local resident or a tourist, renting a car, this guide will help you make informed decisions and protect yourself financially.


Quick Read Section

  • In the event of a rental car collision, prioritize safety and promptly report the accident to the police using the official Dubai Police app.
  • Avoid panicking and fleeing the scene, as it can lead to legal consequences and damage your rental car record.
  • Inform the car rental company after the police inspection and understand your insurance coverage, considering purchasing a Collision Damage Waiver (CDW) to reduce financial liability.
  • Familiarize yourself with the types of rental car insurance available, such as Collision Damage Waiver (CDW), Super Collision Damage Waiver (SCDW), and Personal Accident Insurance (PAI).
  • Opt for additional coverage if needed, and ensure you have the right level of insurance protection to avoid excessive charges.


Handling a Rental Car Accident in Dubai:

Knowing how to handle a rental car accident in Dubai can save you from potential complications. Here are some key tips to follow:

  • Report the Incident to the Police:

The first and foremost step after a collision is ensuring everyone's safety. The next step is to immediately report the accident to the police. You can use the official Dubai Police app to report the accident by providing all the necessary details, such as the vehicle plate number and accident specifics.

  • Avoid Panicking and Do Not Escape:

In the event of an accident, it's natural to feel panicked. However, it's crucial not to flee the scene. Escaping can have severe consequences, including punitive legal action and can affect your driving license record. Stay calm and cooperate with the authorities. Panicking is a natural reaction, but escaping the scene is not the solution.

  • Notify the Car Rental Company:

After the police have inspected the accident, inform the rental car company about the incident. In most cases, comprehensive car insurance in Dubai covers damages caused in rental car accidents, and car rental companies are liable for accidents. The expenses that are not covered by insurance will be borne by the driver, depending on the extent of the vehicle damage.

  • Purchase Car insurance

Car insurance in Dubai is affordable, but costs vary. Premiums depend on factors like off-road coverage, driver age, and vehicle type. Make sure you have the right coverage to guard against excessive charges.

To reduce your financial liability in the event of an accident, consider purchasing a collision damage waiver (CDW). This supplementary insurance coverage protects you against losses resulting from theft or damage to the rental car. This limits the maximum financial liability to the driver for any damage to the rental vehicle, as long as the terms and conditions are adhered to during the rental period.


Understanding Car Insurance Coverage in Dubai

Having the right level of car insurance coverage is crucial when renting a car in Dubai. Here's what you need to know:

Know Your Rental Car Insurance Coverage:

When renting a car in the UAE, insurance coverage and CWD is typically included in the standard agreement. Find out what kind of insurance is included and whether it provides comprehensive protection.

Explore common types of rental car insurance, including Collision Damage Waiver, Personal Accident Insurance, and Personal Effects Coverage. Understand the purpose of each type and assess if it's necessary for your situation.


Collision Damage Waiver


Super Collision Damage Waiver (SCDW):

Personal Accident Insurance (PAI):





Provides coverage for damage to the rental vehicle in case of accidents, reducing the renter's financial liability

Completely eliminates the renter's liability for damages, including theft and vandalism, providing an extra layer of protection

Provides financial protection in the event of bodily injury or death of the driver and passengers, and also covers medical and accidental expenses incurred during the trip.

Excess amount to be paid by the renter: AED 1500- AED 5000

Excess amount to be paid by the renter: Nil

Excess amount to be paid by the renter: Varies according to the conditions and terms provided by the insurance provider


Why Choose Gargash Insurance for your Car Insurance Needs?

Choosing an insurance broker for your car insurance needs offers numerous advantages and can simplify the process of finding the right coverage. Insurance brokers are professionals who work independently from insurance companies. They have access to a wide range of insurance products from multiple insurers, allowing them to provide you with a variety of options tailored to your specific requirements. Brokers act as intermediaries, comparing different policies, terms, and prices on your behalf. They possess expertise in the insurance industry and can offer valuable insights and guidance, helping you navigate complex policy terms and conditions. Additionally, brokers advocate for you during the claims process, ensuring your interests are protected and that you receive fair and prompt compensation. By choosing an insurance broker, you gain convenience, expert advice, and personalized service, ultimately saving you time, effort, and potentially money while ensuring you have the right car insurance coverage.



Handling rental car collisions and understanding car insurance coverage in Dubai is essential for a worry-free driving experience. By following the right steps, reporting accidents to the police, and having the appropriate insurance coverage, you can protect yourself financially and navigate through challenging situations with confidence. Remember to prioritize safety, cooperate with the authorities, and make informed decisions when it comes to car insurance options.

Contact us today for all your car insurance needs!


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