Insurance dispute cases in the UAE are legal matters that require significant expertise and skill due to the variety of insurance companies and the different services they offer.

Various disputes can arise between policyholders and insurance companies, often concerning the refusal to pay claims, delayed compensation, or different interpretations of contract clauses.

Insurance disputes in the UAE pose a major challenge for individuals and businesses, as their unresolved status can have a severe impact on the financial rights of the parties involved.

What are Insurance Disputes in the UAE?

Insurance disputes in the UAE are legal disagreements between a policyholder and an insurance company regarding the interpretation or application of the terms of the agreed-upon insurance contract.

These disputes can be varied and complex. By consulting Samaha Legal Consultancy, you can work to resolve all your insurance disputes, the most common causes of which include:

1. Refusal by the insurance company to pay compensation due to certain exclusions in the contract.
2. Disagreement over the value of the compensation due.
3. Delays in payments from clients or the insurance company.
4. Disagreement over the extent of the damages or the insurance coverage value.
5. A dispute may be simple and resolved amicably, while in other cases, it may be complex, requiring legal intervention in court to resolve some insurance disputes in the UAE.

The Legal Framework for Insurance Disputes in the UAE

To regulate the insurance sector in the United Arab Emirates, Federal Law No. 48 of 2023 was issued to regulate insurance activities.

This law aims to develop the insurance sector and guarantee the rights of all parties.
The law covers all aspects of insurance, from the registration of insurance companies to resolving insurance disputes between companies and policyholders.

Law No. 48 of 2023 applies to all types of insurance in the UAE and also includes specific laws for all forms of insurance disputes. This is in addition to the supervision of the UAE Central Bank, which helps ensure the proper implementation of the laws.

Within this framework, you can contact Samaha Legal Consultancy to understand the correct legal framework for your specific insurance disputes.

Types of Insurance Disputes in the UAE

The types of insurance disputes that may arise between insurance companies and policyholders vary and include:

• Life Insurance Disputes: These are usually caused by the insurance companies’ failure to pay the due insurance amounts in cases of the insured’s death or an accident covered by the policy.
• Health Insurance Disputes: These cases are related to an insurer’s refusal to cover specific medical services or the reduction of financial payments for hospitals and medical services included in the health insurance policy.
• Property Insurance Disputes: These disputes involve damages to insured property, such as fire or theft, and the disagreements are over the valuation of the damages.
• Car Insurance Disputes: This type of dispute is one of the most common. A dispute occurs when the insurance company refuses to cover the cost of vehicle damage or when there is a disagreement regarding responsibility for the accident or the valuation of the damage.

Legal Procedures to Resolve Insurance Disputes in the UAE

To find a solution for insurance disputes, there are many legal methods that can be used.
When you work with Samaha Legal Consultancy, these methods can be used to your benefit. These methods include:

• Amicable Settlement: Most insurance disputes begin with an attempt to resolve disagreements amicably between the parties. At this stage, you can directly contact the insurance company to negotiate the amount or compensation due.
• Arbitration: If an amicable settlement is unsuccessful, both parties can resort to arbitration. An independent arbitrator is appointed to resolve the dispute. This method offers a fast and flexible solution for many insurance disputes in the UAE.
• Litigation: If the dispute persists and an amicable or arbitration-based solution is not reached, the affected party can file a lawsuit with the competent court.

The Role of a Lawyer in Resolving Insurance Disputes in the UAE

A specialized lawyer, such as those at Samaha Legal Consultancy, plays a fundamental role in resolving insurance disputes in the UAE. The lawyer’s important role can be summarized as follows:

• Providing Legal Consultations: A specialized lawyer, like those at Samaha Legal Consultancy, helps the client fully understand their rights according to the terms of the insurance contract.
• Reviewing Documents and Contracts: A specialized lawyer reviews all insurance-related documents to check for any violations.
• Negotiating with Insurance Companies: A specialized lawyer works to reach an amicable settlement with the company to avoid resorting to court.
• Representing the Client in Court: If a suitable amicable solution is not reached, a specialized lawyer takes over the client’s representation before the competent courts.
• Arbitration Procedures: A specialized lawyer helps you with arbitration procedures to resolve insurance disputes outside of court.
• Protecting Rights in All Cases: A specialized lawyer ensures the protection of the client’s rights in cases of delays or refusal of compensation.

By contacting Samaha Legal Consultancy, you can find solutions for all types of insurance disputes in the UAE.