Off-road incidents can happen even to experienced drivers. Knowing the correct reporting procedure can help reduce stress, ensure the situation is handled properly, and make the insurance process smoother.

Before heading into the desert or remote areas, always confirm that your insurance policy covers off-road driving, as some policies exclude damage caused during off-road use unless specific coverage is included.

The reporting process depends on the emirate where the incident occurs.

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Abu Dhabi, Ajman, Ras Al Khaimah, Umm Al Quwain, and Fujairah #

Single-Vehicle Off-Road Accident (No Other Vehicle Involved) #

If no other vehicle is involved:

1. Ensure everyone is safe
   • Check all occupants for injuries.
   • If anyone is injured, call 999 immediately.
2. Record the accident location
   • Save the exact GPS coordinates or drop a map pin at the incident location.
3. Open the SAAED app
   • Start a new accident report.
   • Complete the required questions, including:
     • Is anyone injured?
     • Is the vehicle drivable?
     • Is the vehicle in a safe location?
4. Take and upload photos of:
   • Vehicle damage.
   • Vehicle registration card (Mulkiya).
   • Driver’s licence.
   • Accident location and surrounding area.
5. Submit the report
   • Confirm the location on the map and submit the accident report.
6. Follow-up verification
   • SAAED or Abu Dhabi Police may contact you to confirm the location and accident details.
   • If required, a police officer may be dispatched to the scene.

The attending officer may:

• Verify the accident location.
• Inspect the vehicle.
• Take additional photographs.
• Review the registration card and driver’s licence.

Once the report has been processed:

• Any applicable fine will be issued through the TAMM app.
• Pay the fine and download the official police accident report (PDF).
• Submit the report to your insurance company if you intend to make a claim.

Typical processing time: Approximately 30 minutes for a straightforward case. Timing may vary depending on location, mobile coverage, and whether an officer needs to attend.

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Dubai #

Single-Vehicle Off-Road Accident (No Other Vehicle Involved) #

If no other vehicle is involved:

1. Ensure everyone is safe
   • Check all occupants for injuries.
   • Call 999 immediately if anyone is injured.
2. Record the accident location
   • Save the GPS coordinates or map pin.
3. Take clear photographs of:
   • Vehicle damage.
   • Surrounding terrain and area.
   • Any relevant obstacle involved (rock, dune, fence, etc.).
   • Vehicle registration card (Mulkiya).
   • Driver’s licence.
4. Move the vehicle if possible
   • If the vehicle is drivable, move it to a safe location.
   • If recovery or towing is required, arrange assistance before continuing.
5. Report the incident
   • Open the Dubai Police app and report the accident as a single-vehicle incident.
   • Enter the required details, upload photographs, and confirm the location.
6. Complete the process
   • Submit the report.
   • Dubai Police may contact you for additional information or location verification.
   • In some cases, an officer may be dispatched to the scene.

Once processed:

• Download the electronic accident report.
• Submit it to your insurance company if you intend to make a claim.

Typical processing time: 10–30 minutes for a straightforward case, depending on location, connectivity, and whether additional verification is required.

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Practical Example: Dune Accident Near Al Qudra #

A vehicle loses traction while dune driving and slides into a bowl, damaging the front bumper.

Recommended steps:

1. Confirm everyone is safe.
2. Take photographs of the vehicle and surrounding area.
3. Record the GPS location.
4. Recover or tow the vehicle if required.
5. Report the incident through Dubai Police.
6. Receive the accident report.
7. Submit the report to your insurance company if making a claim.

Before heading into the desert, confirm with your insurer that your policy includes off-road driving coverage. This can have a significant impact on whether a claim is accepted.

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Sharjah #

Single-Vehicle Off-Road Accident (No Other Vehicle Involved) #

If no other vehicle is involved:

1. Ensure everyone is safe
   • Check all occupants for injuries.
   • Call 999 immediately if anyone is injured.
2. Record the accident location
   • Save the GPS coordinates or map pin.
3. Take clear photographs of:
   • Vehicle damage.
   • Surrounding terrain.
   • Any obstacle involved (rock, fence, tree, etc.).
   • Vehicle registration card (Mulkiya).
   • Driver’s licence.
4. Move the vehicle if possible
   • If the vehicle is drivable, move it to a safe location.
   • If recovery is required, arrange assistance first if it can be done safely.
5. Report the incident
   • Report through the RAFID app or call 80092.
   • RAFID can dispatch an officer if required.
   • Upload the requested photographs and provide accurate location details.
6. Follow-up and documentation
   • RAFID may contact you to verify the incident and location.
   • If required, an officer may attend the scene to inspect the vehicle and document the damage.

Once processed:

• Download the electronic accident report.
• Submit it to your insurance company if you intend to make a claim.

Typical processing time: 15–45 minutes, depending on location, mobile coverage, and whether an officer visit is required.

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Final Reminder #

Accident reporting is only one part of dealing with an off-road incident. Proper preparation, reliable recovery equipment, and suitable insurance coverage are equally important.

Before entering remote areas, make sure you understand your insurance policy, carry the necessary safety equipment, and always prioritize the safety of yourself and your passengers.