What can I do if my car insurance claim was rejected after an accident in Dubai?

A rejection letter is not the final word — you have two distinct routes, and they are not mutually exclusive. First, challenge the insurer: ask in writing for its final position identifying the exact policy clause relied on and how it applies to your accident. Policy conditions that were never disclosed or are being stretched to fit can be contested, and insurers do reverse rejections when pressed formally. If the insurer maintains the refusal, escalate to the regulator — insurance in the UAE is supervised by the Central Bank, and consumer complaints against insurers can be filed through Sanadak, the ombudsman established for banking and insurance disputes, which resolves complaints without court fees. Second, remember that your strongest asset is the police report putting the other driver at fault: independently of your own policy, you can claim against the at-fault driver and his insurer, through the courts if necessary, for the repair cost the accident caused. That route does not depend on your insurer's policy condition at all. Gather the police report, the policy wording, the rejection letter and the repair estimate. An insurance lawyer can read the clause being cited and tell you which route gets you paid faster.