{"id":103609,"date":"2023-11-07T12:36:21","date_gmt":"2023-11-07T12:36:21","guid":{"rendered":"https:\/\/www.dubizzle.com\/blog\/cars\/?p=103609"},"modified":"2023-11-07T12:36:22","modified_gmt":"2023-11-07T12:36:22","slug":"total-loss-car-insurance","status":"publish","type":"post","link":"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/","title":{"rendered":"Total Loss Car Insurance and How to Claim It in the UAE"},"content":{"rendered":"\n<ul class=\"wp-block-list\"><li><a href=\"#What-is-a-Total-Loss\">What is a Total Loss?<\/a><\/li><li><a href=\"#Total-Loss-Insurance-Claim\">Total Loss Insurance Claim<\/a><\/li><li><a href=\"#Step-by-step-Process\">Step-by-step Process<\/a><\/li><\/ul>\n\n\n\n<p>The evolution of safety features in modern cars and the UAE&#8217;s robust traffic regulation system have made the on-road experience safer than ever. Despite these advancements, the risk of accidents can&#8217;t be overlooked. This is why, modern safety features are designed to minimise damage to passengers and the vehicle. However, there is always a possibility of an event when a car is damaged beyond repair. Even though the occurrence of such incidents is extremely rare, it is always good to prepare beforehand. One wise move is to insure your ride by picking the right insurance policy.<\/p>\n\n\n\n<p>Let&#8217;s find out more about the total loss car insurance settlement in the UAE.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"What-is-a-Total-Loss\">When is a Car Declared a Total Loss?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-1024x640.jpg\" alt=\"meaning of total loss in car insurance is when a vehicle is damaged beyond repair\" class=\"wp-image-103630\" srcset=\"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-1024x640.jpg 1024w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-300x188.jpg 300w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-768x480.jpg 768w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-640x400.jpg 640w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-421x263.jpg 421w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-558x349.jpg 558w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-363x227.jpg 363w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-250x156.jpg 250w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-368x230.jpg 368w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-774x484.jpg 774w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-672x420.jpg 672w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-437x273.jpg 437w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-301x188.jpg 301w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-240x150.jpg 240w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-771x482.jpg 771w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-669x418.jpg 669w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124912\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-2-3-11-23-435x272.jpg 435w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>When a car&#8217;s repair cost substantially exceeds its actual cash value<\/figcaption><\/figure>\n\n\n\n<p>A car is declared a total loss when its repair costs exceed around 75-80% of its actual cash value (ACV) before the incident. A car can be damaged beyond repair in different kinds of incidents, such as major car crashes and natural disasters. Depending on the policies of the insurance company, car theft may also be covered in a total loss claim.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Total-Loss-Insurance-Claim\">What is Total Loss Car Insurance and How to Claim It?<\/h2>\n\n\n\n<p>It is known as \u2018total loss coverage\u2019 or \u2018total loss protection.\u2019 This type of auto insurance in the UAE provides coverage in the event your vehicle is declared a total loss. Such incidents include major car crashes, natural disasters and car theft. The extent of coverage is also at the discretion of the insurance company policies.&nbsp;&nbsp;<\/p>\n\n\n\n<p>There are certain technicalities based on which a total car insurance claim is calculated. Not every other car that has been critically damaged may fulfil the claim criteria. Factors like coverage type, deductibles and the total repair cost against ACV are analysed.&nbsp;<\/p>\n\n\n\n<p>Note that depreciation is also a key factor impacting the insurance claim. For instance, older cars have lower ACV and the insurance payout may reflect this reduced value. A <a href=\"https:\/\/www.dubizzle.com\/blog\/cars\/comprehensive-car-insurance-dubai\/\" target=\"_blank\" rel=\"noreferrer noopener\">comprehensive car insurance plan in Dubai<\/a> or other emirates may also offer total loss coverage. That said, it depends on the insurance company\u2019s policies and agreed terms and conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Step-by-step-Process\">Step-By-Step Process of Total Loss Car Insurance Settlement in the UAE<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-1024x640.jpg\" alt=\"vehicle total loss claim settlement process in the UAE\" class=\"wp-image-103631\" srcset=\"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-1024x640.jpg 1024w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-300x188.jpg 300w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-768x480.jpg 768w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-640x400.jpg 640w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-421x263.jpg 421w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-558x349.jpg 558w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-363x227.jpg 363w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-250x156.jpg 250w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-368x230.jpg 368w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-774x484.jpg 774w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-672x420.jpg 672w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-437x273.jpg 437w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-301x188.jpg 301w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-240x150.jpg 240w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-771x482.jpg 771w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-669x418.jpg 669w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124927\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-3-3-11-23-435x272.jpg 435w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Here&#8217;s how to apply for a comprehensive loss car insurance claim in the UAE<\/figcaption><\/figure>\n\n\n\n<p>Whether a minor incident or a total loss case, if you don\u2019t know <a href=\"https:\/\/www.dubizzle.com\/blog\/cars\/filing-car-insurance-claim-uae\/\" target=\"_blank\" rel=\"noreferrer noopener\">how to file a car insurance claim<\/a>, here\u2019s the step-by-step process.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-report-the-accident-to-the-police\">1. Report the Accident to the Police<\/h3>\n\n\n\n<p>In the event of an accident, report it to the police immediately. Obtain a copy of the police report. It is an essential requirement for filing a car insurance claim in the UAE.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-contact-your-insurance-company\">2. Contact Your Insurance Company<\/h3>\n\n\n\n<p>Inform your insurance company about the accident and provide them with all the necessary details. This includes the police report, accident scene photographs as proof and other relevant documentation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-insurance-claim-assessment\">3. Insurance Claim Assessment<\/h3>\n\n\n\n<p>The third step involves insurance claim assessment. The company will send an insurance adjuster to assess the damage to your car. If the repair costs exceed a set percentage of the insured value, the car might be considered a total loss. The effectiveness of the insurance claim response team is among the key <a href=\"https:\/\/www.dubizzle.com\/blog\/cars\/things-consider-car-insurance-policy-renewal-uae\/\" target=\"_blank\" rel=\"noreferrer noopener\">things to consider before insurance policy renewal<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-declaration-of-total-loss\">4. Declaration of Total Loss<\/h3>\n\n\n\n<p>After a thorough assessment, if your car is declared a total loss, the insurance company will provide you with car valuation details. This valuation is usually based on the car&#8217;s market value, factoring in depreciation.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-review-and-negotiate-the-offer\">5. Review and Negotiate the Offer<\/h3>\n\n\n\n<p>Review the total loss settlement offer from the insurance company. If you believe the offered settlement is not fair, negotiate with the insurance company. Provide additional evidence or go for professional services for <a href=\"https:\/\/www.dubizzle.com\/blog\/cars\/car-valuation\/\" target=\"_blank\" rel=\"noreferrer noopener\">car valuation in the UAE<\/a>. Gather as much evidence as possible to get a justifiable settlement offer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-formal-offer-acceptance\">6. Formal Offer Acceptance<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-1024x640.jpg\" alt=\"The settlement offer will depend on How Car Insurance Treats a Total Loss\" class=\"wp-image-103633\" width=\"880\" height=\"550\" srcset=\"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-1024x640.jpg 1024w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-300x188.jpg 300w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-768x480.jpg 768w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-640x400.jpg 640w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-421x263.jpg 421w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-558x349.jpg 558w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-363x227.jpg 363w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-250x156.jpg 250w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-368x230.jpg 368w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-774x484.jpg 774w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-672x420.jpg 672w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-437x273.jpg 437w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-301x188.jpg 301w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-240x150.jpg 240w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-771x482.jpg 771w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-669x418.jpg 669w, https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06125050\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Body-1-3-11-23-1-435x272.jpg 435w\" sizes=\"auto, (max-width: 880px) 100vw, 880px\" \/><figcaption>Formal acceptance is a necessary step in the process of total loss car insurance settlement in the UAE.<\/figcaption><\/figure>\n\n\n\n<p>Once you agree on the settlement amount, sign the necessary documents to finalise the claim. The insurance company will provide you with a settlement check or transfer the funds directly to your bank account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-transfer-ownership\">7. Transfer Ownership:<\/h3>\n\n\n\n<p>The insurance company usually takes possession of the total vehicle. Ensure that you transfer vehicle ownership to the insurance company. It is an essential requirement as the insurance company handles the salvage or car disposal process. Here&#8217;s <a href=\"https:\/\/www.dubizzle.com\/blog\/cars\/transfer-vehicle-ownership-dubai\/\" target=\"_blank\" rel=\"noreferrer noopener\">how to request for vehicle ownership transfer<\/a> in Dubai.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-8-cancel-the-insurance-policy\">8. Cancel the Insurance Policy<\/h3>\n\n\n\n<p>If your car is declared a total loss, cancel the insurance policy to avoid future premiums. Furthermore, inform your insurance company about the cancellation. Before re-applying for a vehicle insurance policy, if you get confused between <a href=\"https:\/\/www.dubizzle.com\/blog\/cars\/comprehensive-third-party-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">comprehensive vs third-party car insurance<\/a>, read here and make a wise choice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\">FAQs<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-a-total-loss-claim-for-a-car-accident\">What is a total loss claim for a car accident?<\/h3>\n\n\n\n<p>A total loss claim is an insurance claim for a vehicle that gets damaged beyond repair. It applies when the repair costs exceed approximately 75-80% of the vehicle&#8217;s actual cash value (ACV) before the incident.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-are-total-loss-car-insurance-claims-calculated\">How are total loss car insurance claims calculated?<\/h3>\n\n\n\n<p>The insurance claim calculation is mainly based on the car\u2019s actual cash value. Here are some factors that help determine it.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The car\u2019s manufacturing year<\/li><li>Its mileage<\/li><li>Make and model year<\/li><li>Popularity and depreciation<\/li><li>Overall condition (wear and tear)<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-much-does-the-insurance-company-pay-for-a-total-car\">How much does the insurance company pay for a total car?<\/h3>\n\n\n\n<p>The payment released against the insurance claim depends on various factors. To get an estimate, refer to the insurance policy documents with the agreed terms and conditions. Moreover, the final offer made by the insurance company is determined after the phase of the insurance claim assessment.&nbsp;For more information in this regard, read through our detailed <a href=\"https:\/\/www.dubizzle.com\/blog\/cars\/dubai-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">guide to car insurance in Dubai<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-claim-total-car-loss-insurance\">How to claim total car loss insurance?<\/h3>\n\n\n\n<p>The total loss settlement process involves:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Reporting the accident to the police<\/li><li>Contacting the insurance company with the necessary details and documentation<\/li><li>Insurance claim assessment by an adjuster<\/li><li>Declaration of total loss if repair costs exceed a set percentage of the insured value<\/li><li>Review and negotiation of the settlement offer<\/li><li>Formal acceptance<\/li><li>Transfer of vehicle ownership to the insurance company<\/li><li>Cancellation of the insurance policy if the car is declared a total loss<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-might-your-car-insurance-claim-get-rejected\">Why might your car insurance claim get rejected?<\/h3>\n\n\n\n<p>Improper documentation, lack of evidence and non-compliance with insurance policies. These are some of the major factors that can become a cause of your total car loss claim rejection. Moreover, be mindful of other <a href=\"https:\/\/www.dubizzle.com\/blog\/cars\/things-car-insurance-wont-cover\/\" target=\"_blank\" rel=\"noreferrer noopener\">things that are not covered by car insurance<\/a> in the UAE.<\/p>\n\n\n\n<p>For more useful <a href=\"https:\/\/www.dubizzle.com\/blog\/cars\/car-insurance-dubai-faqs\/\" target=\"_blank\" rel=\"noreferrer noopener\">FAQs about car insurance in Dubai<\/a> and other emirates read here.<\/p>\n\n\n\n<p>This was everything about the total loss car insurance settlement in the UAE. On a similar note, if you are looking for an insured vehicle in the pre-owned market, browse these <a href=\"https:\/\/uae.dubizzle.com\/motors\/used-cars\/\" target=\"_blank\" rel=\"noreferrer noopener\">used cars for sale in the UAE<\/a>.&nbsp;<br><\/p>\n\n\n\n<p>For more information on how to calculate the total loss value of a car, stay connected with the <a href=\"https:\/\/www.dubizzle.com\/blog\/cars\/\" target=\"_blank\" rel=\"noreferrer noopener\">dubizzle Cars blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a total loss settlement offer in car insurance? Here&#8217;s everything you need to know.<\/p>\n","protected":false},"author":45,"featured_media":103629,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"dubizzle-taxonomy-car-year":[],"dubizzle-taxonomy-body-type":[],"dubizzle-taxonomy-car-doors":[],"dubizzle-taxonomy-car-cylinders":[],"dubizzle-taxonomy-car-extras":[],"dubizzle-taxonomy-car-color":[],"dubizzle-taxonomy-car-fuel-type":[],"class_list":{"0":"post-103609","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-driving"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v26.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Total Loss Car Insurance: Coverage, Calculation &amp; More | dubizzle<\/title>\n<meta name=\"description\" content=\"What is total loss car insurance and how to claim it? Read on to find out all about its process, key requirements and documentation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Total Loss Car Insurance and How to Claim It in the UAE\" \/>\n<meta property=\"og:description\" content=\"What is total loss car insurance and how to claim it? Read on to find out all about its process, key requirements and documentation.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"UAE\u2019s leading autos blog | dubizzle Cars\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-07T12:36:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-07T12:36:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124436\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Cover-3-11-23.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"625\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"MY\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/\",\"url\":\"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/\",\"name\":\"Total Loss Car Insurance: Coverage, Calculation & More | dubizzle\",\"isPartOf\":{\"@id\":\"https:\/\/www.dubizzle.com\/blog\/cars\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124436\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Cover-3-11-23.jpg\",\"datePublished\":\"2023-11-07T12:36:21+00:00\",\"dateModified\":\"2023-11-07T12:36:22+00:00\",\"author\":{\"@id\":\"https:\/\/www.dubizzle.com\/blog\/cars\/#\/schema\/person\/8cc4c5062778d0b89090c3cdde637b38\"},\"description\":\"What is total loss car insurance and how to claim it? Read on to find out all about its process, key requirements and documentation.\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/#primaryimage\",\"url\":\"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124436\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Cover-3-11-23.jpg\",\"contentUrl\":\"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124436\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Cover-3-11-23.jpg\",\"width\":1440,\"height\":625,\"caption\":\"All About Total Loss Car Insurance in the UAE\"},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.dubizzle.com\/blog\/cars\/#website\",\"url\":\"https:\/\/www.dubizzle.com\/blog\/cars\/\",\"name\":\"UAE\u2019s leading autos blog | dubizzle Cars\",\"description\":\"The best place for car enthusiasts in the UAE to get industry updates, market trends, helpful guides, car reviews, and general information about the UAE\u2019s auto industry and used cars market.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.dubizzle.com\/blog\/cars\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.dubizzle.com\/blog\/cars\/#\/schema\/person\/8cc4c5062778d0b89090c3cdde637b38\",\"name\":\"MY\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.dubizzle.com\/blog\/cars\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ef8120037cd95011b2960e39a78765f913692efeb2b49fd463ad2ca0cffbaa4a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ef8120037cd95011b2960e39a78765f913692efeb2b49fd463ad2ca0cffbaa4a?s=96&d=mm&r=g\",\"caption\":\"MY\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Total Loss Car Insurance: Coverage, Calculation & More | dubizzle","description":"What is total loss car insurance and how to claim it? Read on to find out all about its process, key requirements and documentation.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Total Loss Car Insurance and How to Claim It in the UAE","og_description":"What is total loss car insurance and how to claim it? Read on to find out all about its process, key requirements and documentation.","og_url":"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/","og_site_name":"UAE\u2019s leading autos blog | dubizzle Cars","article_published_time":"2023-11-07T12:36:21+00:00","article_modified_time":"2023-11-07T12:36:22+00:00","og_image":[{"width":1440,"height":625,"url":"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124436\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Cover-3-11-23.jpg","type":"image\/jpeg"}],"author":"MY","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/","url":"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/","name":"Total Loss Car Insurance: Coverage, Calculation & More | dubizzle","isPartOf":{"@id":"https:\/\/www.dubizzle.com\/blog\/cars\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124436\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Cover-3-11-23.jpg","datePublished":"2023-11-07T12:36:21+00:00","dateModified":"2023-11-07T12:36:22+00:00","author":{"@id":"https:\/\/www.dubizzle.com\/blog\/cars\/#\/schema\/person\/8cc4c5062778d0b89090c3cdde637b38"},"description":"What is total loss car insurance and how to claim it? Read on to find out all about its process, key requirements and documentation.","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.dubizzle.com\/blog\/cars\/total-loss-car-insurance\/#primaryimage","url":"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124436\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Cover-3-11-23.jpg","contentUrl":"https:\/\/d2hucwwplm5rxi.cloudfront.net\/wp-content\/uploads\/2023\/11\/06124436\/Total-Car-Loss-Insurance-and-How-to-Claim-It-_-Cover-3-11-23.jpg","width":1440,"height":625,"caption":"All About Total Loss Car Insurance in the UAE"},{"@type":"WebSite","@id":"https:\/\/www.dubizzle.com\/blog\/cars\/#website","url":"https:\/\/www.dubizzle.com\/blog\/cars\/","name":"UAE\u2019s leading autos blog | dubizzle Cars","description":"The best place for car enthusiasts in the UAE to get industry updates, market trends, helpful guides, car reviews, and general information about the UAE\u2019s auto industry and used cars market.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.dubizzle.com\/blog\/cars\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.dubizzle.com\/blog\/cars\/#\/schema\/person\/8cc4c5062778d0b89090c3cdde637b38","name":"MY","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.dubizzle.com\/blog\/cars\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ef8120037cd95011b2960e39a78765f913692efeb2b49fd463ad2ca0cffbaa4a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ef8120037cd95011b2960e39a78765f913692efeb2b49fd463ad2ca0cffbaa4a?s=96&d=mm&r=g","caption":"MY"}}]}},"_links":{"self":[{"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/posts\/103609","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/users\/45"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/comments?post=103609"}],"version-history":[{"count":17,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/posts\/103609\/revisions"}],"predecessor-version":[{"id":103815,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/posts\/103609\/revisions\/103815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/media\/103629"}],"wp:attachment":[{"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/media?parent=103609"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/categories?post=103609"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/tags?post=103609"},{"taxonomy":"dubizzle-taxonomy-car-year","embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/dubizzle-taxonomy-car-year?post=103609"},{"taxonomy":"dubizzle-taxonomy-body-type","embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/dubizzle-taxonomy-body-type?post=103609"},{"taxonomy":"dubizzle-taxonomy-car-doors","embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/dubizzle-taxonomy-car-doors?post=103609"},{"taxonomy":"dubizzle-taxonomy-car-cylinders","embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/dubizzle-taxonomy-car-cylinders?post=103609"},{"taxonomy":"dubizzle-taxonomy-car-extras","embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/dubizzle-taxonomy-car-extras?post=103609"},{"taxonomy":"dubizzle-taxonomy-car-color","embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/dubizzle-taxonomy-car-color?post=103609"},{"taxonomy":"dubizzle-taxonomy-car-fuel-type","embeddable":true,"href":"https:\/\/www.dubizzle.com\/blog\/cars\/wp-json\/wp\/v2\/dubizzle-taxonomy-car-fuel-type?post=103609"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}