Insurance Cases

Insurance Law in UAE

The UAE insurance sector is regulated by the Insurance Authority under Federal Law No. 6 of 2007. Insurance contracts are governed by Federal Law No. 5 of 1985 (Civil Transactions Code) and various sector-specific regulations.

At AL SAHABA & CO, we help clients navigate the complex landscape of insurance claims and disputes, ensuring they receive fair treatment from insurers and full benefits under their policies.

Types of Insurance Cases We Handle

• Health Insurance: Medical claim denials, treatment coverage disputes, pre-authorization issues
• Motor Insurance: Accident claims, third-party liability, comprehensive coverage disputes
• Property Insurance: Fire, flood, and damage claim disputes
• Life Insurance: Beneficiary claims, policy disputes, payout delays
• Travel Insurance: Trip cancellation, medical emergency coverage claims
• Business Insurance: Commercial property, liability, and interruption claims
• Marine Insurance: Cargo and hull insurance disputes

Common Insurance Disputes

• Claim denials based on alleged policy exclusions
• Delayed claim processing and payments
• Underpayment of valid claims
• Disputes over policy interpretation
• Failure to honor medical pre-authorization
• Disputes regarding fault in motor accidents
• Disagreements over property damage valuations

Our Insurance Services

• Claim Filing: Assistance with preparing and submitting complete claim documentation
• Dispute Resolution: Negotiating with insurers to resolve claim disputes
• Policy Review: Analyzing policy terms to determine coverage rights
• Legal Representation: Court proceedings for unresolved disputes
• Settlement Negotiations: Securing fair settlement offers
• Complaint Filing: Submitting complaints to Insurance Authority when necessary

Insurance Authority Complaint Process

When direct resolution with insurers fails, we can escalate to the Insurance Authority: