Introduction
One of the most confusing situations for car owners in the UAE is when the insurance company keeps saying:
“Your claim is under review.”
…for days, weeks, or even months.
This guide explains why claims get stuck “under review,” what your rights are, and how to move your case forward quickly.
1. What “Under Review” Actually Means in UAE Insurance
It typically means the insurer is still completing one of these steps:
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Reviewing documents
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Investigating liability
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Confirming fault
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Waiting for police report
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Obtaining internal approval
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Checking policy exclusions
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Evaluating repair costs
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Requesting additional information
But it should not take unreasonably long.
2. How Long a Claim Should Stay “Under Review”
A typical UAE timeline:
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Initial review: 3–5 days
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Repair approval: 5–10 days
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Payment: 10–15 days
Anything longer may be considered a delay — and you have the right to escalate.
3. Reasons Claims Stay Under Review Too Long
Legitimate reasons:
✔ Investigation required
✔ Liability dispute
✔ Third-party delays
Unfair or improper reasons:
❌ Slow internal processing
❌ No follow-up by insurer
❌ Missing documents not requested
❌ Avoiding payment
❌ Poor customer service
❌ Technical system delays
If you feel the delay is artificial, you should take action.
4. What to Do When Your Claim Is Stuck Under Review
Step 1: Request a written update
Ask for:
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Reason for delay
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Expected timeline
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What stage the claim is in
Step 2: Confirm all documents are submitted
Sometimes the insurer waits for one missing document and doesn’t notify you.
Step 3: Ask for internal escalation
Request to speak to a supervisor or claims manager.
Step 4: File an internal complaint
Once you file a complaint with the insurer, they MUST respond within a set timeframe.
Step 5: Escalate to Sanadak if no progress
Sanadak will:
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Contact the insurer
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Demand explanation
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Enforce UAE insurance regulations
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Issue an official decision
This often pushes the insurer to move quickly.
5. How Sanadak Typing for Disputes & Follow-Up Helps
We assist by:
✔ Drafting a strong complaint
✔ Following up daily
✔ Submitting through Sanadak
✔ Ensuring your insurer cannot delay unfairly
Conclusion
A claim being stuck “under review” shouldn’t take weeks or months. If your insurer delays processing, you have the right to escalate and get a quick resolution through Sanadak.
👉 Sanadak Typing is ready to help you fast-track your claim and protect your rights.
