Question: Can an insurer substitute a replacement vehicle instead of paying the insured value in a total loss case?
Answer: No, unless the insured agrees. Under the Unified Motor Vehicle Insurance Policy, the insurer must comply with the insured’s request: either pay the agreed insured value in cash or provide a replacement vehicle. The insured’s choice prevails.
Legal Basis:
Unified Motor Vehicle Insurance Policy
Article 7 of Insurance Authority Board of Directors’ Decision No. 25 of 2016 Pertinent to Regulation of the Unified Motor Vehicle Insurance Policies
Answer: Yes, it can.
According to Articles 8(2) and 8(4) of Federal Decree-Law No. 38 of 2022 on Criminal Procedure:
- if the accused or a witness does not speak Arabic, their interrogation before the police, the Public Prosecution, or the court may only be conducted with the participation of a translator who is either officially appointed, licensed, or engaged through officially approved technical means;
- in other cases, the court, prosecution, or police may ...