A civil court holds the at-fault car’s insurance accountable for damages. Dubai Following a traffic collision that seriously damaged a car, a Dubai Civil Court ordered an insurance company to pay Dh93,450 plus 5% legal interest until full settlement. Following an incident in which the defendant company’s insured car was found to be at fault, a disagreement between two insurance firms emerged. Using quotations from authorized repair facilities and choosing the lowest quote, including VAT, the claimant’s insurer first paid for the repairs, totaling Dh93,450.
The case was filed in court and handled online after the parties were unable to come to a mutually agreeable settlement. The police report, insurance policies, and technical inspection reports were among the court documents. The defendant asked for an expert evaluation and disputed culpability. An appointed insurance expert determined that the at-fault vehicle’s insurer was liable for the damages and validated the parties’ contractual insurance relationship. The study described several front-end defects that required bodywork, painting, and part replacement, with repair prices that were both technically achievable and commensurate with the damage.
In addition to existing case law on insurance contracts and subrogation—which permits an insurer that fulfills its obligations to recover costs from the party responsible for the harm, up to the amount paid—the court relied on UAE civil law. The decision upholds the defendant insurer’s obligation to pay the claimant’s entire repair costs, interest, and legal bills.
