Multiple damage to more than one accident that requires separate “tolerance”

The Emirates Insurance Union has determined the cases that require the owner of the vehicle affected by an accident, to pay only one “tolerance” rate, or “tolerance rates” separate from separate accidents.

He explained to «Emirates Today» that the presence of multiple damages in the same accident requires the payment of one tolerance, and this is one of the accidents provided that this is included in the report of the incident prepared by the specialized authority, and that there is no previous damage from minor incidents that the believer has not reported, or postponed, given that the presence of previous damage carries the customer, the owner of the vehicle, the rates of separate tolerance for each An accident, even if he brought one report that includes the current and ancient damage.

Customer complaints

In detail, they complained of an insurance documentary campaign whose vehicles were subjected to one accident with more than one damage as a result of a wall collision inside lower positions of a commercial center or in their homes and caused scratching and damage in more than one side, asking the insurance company to pay double -tolerant attributes, pointing out that the company considered that the damage that occurred to the vehicle is the result of two accidents, despite the record of all damage in one report.

They explained to «Emirates Today» that they were informed of the beginning of the necessity of paying a rate of 750 dirhams, except that upon receiving the vehicle, they were asked to pay 1500 dirhams, as a result of the insurance company regarding the accident that occurred to the vehicle, two accidents, because of the presence of damage in more than one side.

Multiple damage

For his part, Vice -Chairman of the Supreme Technical Committee, Chairman of the Automobile Committee of the Emirates Insurance Federation, Mohamed Mazhar Hamada, said that the presence of multiple damages in the same accident requires the payment of one tolerance, and this is considered one accident, provided that this is included in the report of the incident prepared by the specialized authority, and that there is no previous damage from minor incidents that the believer has not reported, or postponed, because that carries the rate of the customer. Power separate from each accident.

He explained to «Emirates Today» that the damage that affects the vehicle from the front and from the back, for example, at the same time, as a result of the collision from the back or the front for any reason, is one of the accident, but if the car itself is exposed to another accident on the other side, or it has an old damage from a previous accident, in this case the insured is loaded with a percentage of each accident, even if the owner of the car brings one report that includes the current and present damage All.

Separate accidents

Hamada added: “The durability rate is compulsory and is specific by the control authorities, and it has a specific ceiling that should not be overcome, even if each company has insurance that it is committed to or waived it, so the important thing is that the ceiling does not exceed the subject, but there is another part of the tolerance related to the rates of consumption of the car, its age, and the number of times to change the spare part, and others, and these proportions are also specified in the insurance policy.”

Hamada continued: “Sometimes accidents occur as a result of the vehicle colliding with a sidewalk or a wall, which causes damage to a concerned party from the vehicle, and several days later, another accident occurs causing harm on the other side, and here the insured has two accidents, and he must pay a rate of endurance for each accident separately, even if they are included in one report by the specialized authority.”

And he separated: “If the damage is multiple of the same accident, here the believer does not pay him except for one tolerance, but there are many cases in which the believer comes to repair his car as a result of separate damage that has nothing to do For simple scratches earlier, and here it is not permissible to be considered within the damage of any new accident, and it is a separate accident even if it was included in one report to the last accident.

Hamada concluded by confirming that «if the damage occurred at the same time as a result of the same accident, there is no problem in it, and here it is necessary to pay one tolerance, but if the car was exposed to minor damage, it was postponed by the owner of the vehicle, and this is repeated, and the police did not report, and he did not attend a report until a major accident occurred, so this incident was all previous damage, here the insurance companies cannot be prepared by one accident, but rather two accidents The believer has a percentage of incident separately.