Dubai’s roads are smooth, fast, and generally safe, but accidents can still happen. If you’re involved in a rental car accident in Dubai, staying calm and knowing the correct steps can help you avoid costly mistakes.
Whether you’re visiting the UAE or renting a car locally, this guide will walk you through exactly what to do after a crash, from calling the authorities to understanding your insurance coverage and handling the aftermath smoothly.
Immediate Steps to Take After a Rental Car Accident
The moment something goes wrong on the road, it’s natural to feel shaken. But acting quickly, and correctly, can protect you, other road users, and your wallet.
Prioritize Safety First
Before you do anything else, check if anyone’s hurt. If the cars are still blocking traffic and it’s safe to move, carefully drive to the side of the road. Switch on your hazard lights and stay inside the vehicle if it’s safer than stepping out.
Contact Dubai Police and Emergency Services
In Dubai, the law requires that all accidents must be reported, no matter how small. Dial 999 for emergencies, or 998 for an ambulance. You can also report minor accidents without injuries through the Dubai Police mobile app. You’ll need the official police report to proceed with insurance for rental company claims.
Gather Evidence and Exchange Information
Use your phone to take photos of everything: damage to all cars, the location, road signs, skid marks, and any injuries. Exchange names, phone numbers, license plate numbers, Emirates IDs or driving licenses, and insurance details with the other driver(s). These small steps can prevent big problems later.
Being aware of traffic signs in the UAE and their meanings can also help you understand accident scenes better and avoid misunderstandings with other drivers.
Notify the Rental Car Company
Once the situation is under control and the police have been called, get in touch with your rental agency. If you’re renting through Hertz UAE, you can contact our support team for Hertz accident reporting. They’ll explain what to do next, for example, where to take the car, how to file the report, or if a replacement vehicle can be arranged.
Understanding Rental Car Insurance in Dubai
Your financial responsibility after an accident largely depends on the insurance coverage attached to your rental. Here’s what you need to know.
Third-Party Liability Insurance
This is the basic, legally required coverage that every rental car must have in the UAE. It covers damage or injury caused to others, but not your rental vehicle. If you only have third-party cover and you’re found at fault, you may be responsible for the repair costs.
That’s why it’s essential to consider your options. Take advantage of Hertz’s car insurance options to keep yourself protected.
Comprehensive Insurance Coverage
This type of insurance goes further. It usually covers both your car and the other vehicle, even if you’re at fault. Comprehensive cover may also include protection against theft, fire, or accidental damage. This coverage is a smart choice if you’re planning to drive a lot or in unfamiliar areas.
Collision Damage Waiver (CDW) and Super CDW
CDW limits how much you’ll pay if the car is damaged in a crash. With Super Collision Damage Waiver (SCDW), your liability is often reduced to zero, though terms and conditions apply. Always read the fine print, damage caused by reckless driving, for example, might still be excluded.
Personal Accident Insurance (PAI) and Additional Coverage Options
Add-ons like Personal Accident Insurance (PAI) coverage cover medical costs for you and your passengers. You might also be offered roadside assistance or coverage for lost personal belongings. These optional extras can be worth it if you want added protection during your trip.
Legal and Financial Responsibilities After an Accident
In the UAE, responsibility for a car accident is based on the police report. That’s why it’s essential not to skip reporting the incident, even if it seems minor.
Familiarising yourself with UAE speed limits and related fines can also help you avoid violations that might contribute to accidents or add to your costs after an incident.
Who Pays for Damages?
If the accident was your fault and you don’t have comprehensive insurance, you may have to cover the cost of repairs. Your financial exposure is likely lower if you’ve added a CDW or full coverage. When the other party is at fault, their insurance typically covers everything.
Fines, Fees, and Excess Charges
Even with insurance, some charges may still apply. These can include:
- An excess fee, also called a deductible
- Admin fees charged by the rental company
- Daily charges while the car is under repair
- Any traffic fines issued as a result of the accident
Read your rental agreement carefully so you’re not caught off guard. Rental agreements with Hertz rental car accident policies are transparent, fair, and easy to understand, so you do not have to worry.
Common Mistakes to Avoid After a Rental Car Accident
A stressful situation can lead to rushed decisions. Here’s what to avoid:
- Don’t admit fault at the scene. Let the police determine it.
- Don’t skip filing a police report, even for small scrapes.
- Don’t delay informing your rental agency. Most require same-day notification.
- Don’t assume you’re fully covered. Always check what your policy includes.
If you’re travelling with children, remember to follow road safety rules for kids in the UAE to ensure everyone is safe and compliant with the law, both during normal drives and in the event of an accident.
Final Steps: Claiming Insurance and Getting a Replacement Car
Once the police report is ready and your rental company has been informed, it’s time to handle the paperwork.
- Submit the official police report.
- Fill out any forms required by your rental provider.
- Send over photos and details about the accident.
- Provide your rental agreement and any ID documents needed.
If your vehicle is no longer drivable, your rental agency may arrange a replacement hire car, depending on availability and your level of coverage.
Conclusion
Being involved in a Hertz rental car accident in Dubai doesn’t have to ruin your trip or your wallet. By knowing what to do, acting fast, and understanding your insurance policy, you can handle the situation responsibly and get back on the road safely. Dubai has a well-structured process for handling accidents, and following it step by step can save you time, money, and stress.