INSURANCE LOSSES/CLAIMS: It has been reported that UAE witnessed, its heaviest rainfall in 75 years from late Monday 15th April till Tuesday night 16th April, the weather department recorded the highest rainfall in Al Ain, reaching 254 mm in less than 24 hrs and this is an exceptional event, various places hit by floods, water logging in major roads, streets inundated by flood waters. Dubai International Airport encountered substantial issues, flooding affected popular shopping centres, vehicles submerged, cars standard etc., Hundreds of tow trucks have been operating on the streets of Dubai and Sharjah, to help motorists to recover their vehicles, either submerged in water or broken down. The Insured Public may lodge their claims and insurance companies will process and settle these claims, subject to policy terms and conditions. Quite often, the Insured Public, Brokers, Insurance companies and Reinsurers may be uncertain on: (A) Policy Coverage (B) Proximate cause and remote cause (C) Extent of damage - Whether it is ‘Total Loss’ or ‘Partial loss’ (D) Under-Insurance (E) Double insurance and Contribution (F) Subrogation / Recovery rights (G) Quantum of loss and Salvage value (H) 72 Hours clause Following are other features, which are associated with specific Insurance or Reinsurance Contracts. (1) Motor Policies: 1. Policy specifically excludes natural disasters such as Flood etc., 2. Parking or Driving the motor vehicle in submerged waters. 3. The vehicle owner or Driver tried to turn on engine but the engine was damaged due to entry of water. No cover is available for Hydrostatic lock or no Engine protect cover. 4. The Motorist intentionally driven the vehicle in Flooded road or failed to avail road-side assistance services. (2) Fire Policies: 1. Claim is under Fire & Allied peril policies, where Flood & Inundation perils are not covered. 2. Breach of Pallet or Stillage warranty. 3. Due diligence – Negligent to protect the insured property or improper maintenance of Drainage / Gutters. 4. Deterioration of Stock. 5. Loss of Profit/Consequential Loss, Denial of Access, Suppliers’ Extension, Public Utilities. 6. Care Custody & Control clause or Goods held in trust. 7. Landlord’s liability. (3) Marine Cargo Policies: 1. Insurable Interest and INCOTERMS 2. Insured against Basic cover - Flood & Inundation perils are not covered. 3. Loss occurred at intermediary storage or termination of transit. 4. Property to be covered under other policies. 5. Breach of warranty- not transported by closed vehicle or not covered by Tarpaulin sheet. (4) Engineering Policies: 1. Temporary Facilities 2. Free issue materials 3. Additional Customs Duty, Debris Removal, Owner’s surrounding properties, Properties under Care & Custody, Offsite storage cover, Cessation of work, Leased equipments, 50:50 clause, Sectional clause, Debris Removal, Dewatering clause, Special condition concerning Flood & inundation. (5) Reinsurance Contract: 1. Cat/Nat XOL Reinsurance contract, retention, limits and territory. 2. 72 hours clause 3. Reinstatement premium Sometimes, there is a very thin line between precautions and unintentional omission, perils covered and exclusions, proximate cause and remote cause, actions within or beyond one’s control, breach of warranty material to the loss or not etc., Obviously, each case has to be decided individually, based on facts and circumstances. ALKAASEB is having insurance expertise and happy to provide legal assistance with insurance advisory consultancy, which includes the interpretation of insurance policies and reinsurance contracts. This will help to comprehend, how disputes may be dealt by the courts, considering the insurance contract.

Travel bans in the UAE can be imposed for various reasons, typically related to legal or administrative issues. Here are seven reasons why someone might have a travel ban imposed on them in the UAE: 1. Unpaid debts: If an individual has outstanding debts or financial obligations like Bank Loans, Credit card overdue, Rental Disputes, Chque case Etc the UAE authorities may impose a travel ban until the debts are settled. 2. Legal disputes: Being involved in legal disputes, such as civil or criminal cases, can lead to a travel ban until the legal matters are resolved. 3. Labor disputes: Issues related to employment contracts, labor disputes, or violations of labor laws could result in a travel ban until the situation is resolved, often involving payment of fines or resolution of the dispute. 4. Visa violations: Violating visa regulations, such as overstaying a visa, working illegally, or other immigration violations, may result in a travel ban until the immigration status is regularized. 5. Security concerns: Individuals may be subject to a travel ban due to national security concerns, involvement in illegal activities, or being on a watchlist. 6. Family matters: Family disputes, particularly those related to child custody or alimony, could lead to a travel ban until the issues are resolved through legal channels. 7. Administrative reasons: Sometimes, travel bans may be imposed for administrative reasons, such as failure to comply with government regulations or providing false information. It's essential to consult legal experts or relevant authorities to address the specific reasons for a travel ban and take appropriate steps to resolve the issue.

Immigration fraud poses a significant threat to individuals seeking opportunities abroad, particularly those with aspirations of relocating to countries like Canada. Unscrupulous immigration consultants often prey on the hopes and dreams of unsuspecting job seekers, promising lucrative employment opportunities and smooth migration processes, only to vanish with their hard-earned money. To safeguard against falling victim to such scams, it is imperative to adopt a cautious and informed approach. Identifying legitimate immigration consultants is the first step in protecting oneself from fraud. Several measures can be taken to verify the credibility of consultants and consulting firms:

1. Registration and Accreditation: Verify if the consultant or firm is registered and accredited by relevant authorities in the UAE. A valid license is crucial, and its authenticity should be cross-checked with official government records.

In the complex and often tumultuous realm of debt recovery, the importance of legal expertise cannot be overstated. As a debt recovery agency seamlessly integrated with the legal framework, Al Kaaseb Advocates Legal Consultant stands at the forefront, offering more than just recovery services – we provide a legal compass to guide you through the intricacies of financial challenges. Understanding the Legal Landscape: Debt recovery is not just about collecting outstanding funds; it's about understanding the legal intricacies that surround the process. At Al Kaaseb Advocates and legal Consultant, our team of seasoned legal professionals brings a wealth of knowledge and experience to the table. We comprehend the laws governing debt collection, ensuring that our clients not only recover what is owed but do so within the bounds of legality and ethics. The Intersection of Law and Debt Recovery: What sets us apart is our unique fusion of legal prowess and debt recovery acumen. We approach each case with a thorough understanding of the legal landscape, strategically navigating potential pitfalls and leveraging our legal expertise to expedite the recovery process. This intersection allows us to offer comprehensive solutions that stand up to legal scrutiny. A Tailored Legal Approach: Debt situations are nuanced, and a one-size-fits-all approach simply doesn't suffice. At Al Kaaseb Advocates and Legal consultancy, we pride ourselves on providing tailored legal solutions for every client. Whether you are a creditor seeking repayment or an individual facing financial challenges, our legal strategies are customized to address your unique circumstances, ensuring the most effective and legally sound resolution. Transparency and Legal Compliance: Transparency is the cornerstone of our approach. We keep our clients informed at every step of the legal debt recovery journey, providing clarity on legal processes, potential timelines, and expected outcomes. Moreover, strict adherence to legal compliance is non-negotiable. Our commitment is not only to recover debts but to do so ethically and within the bounds of the law. Building Trust through Legal Integrity: Trust is paramount in the legal and debt recovery spheres. Al Kaaseb Advocates and legal Consultancy has built a reputation for legal integrity and professionalism. Clients can rely on us to navigate the often murky waters of debt recovery with a steadfast commitment to ethical conduct and legal excellence. Empowering Financial Futures with Legal Resilience: Beyond recovering debts, our mission is to empower our clients with legal resilience. By blending legal expertise with debt recovery services, we provide a solid foundation for sustained financial well-being. We don't just resolve outstanding debts; we pave the way for a future free from financial uncertainties. Conclusion: At Al Kaaseb Advocates and legal consultancy , we don't merely recover debts; we redefine the landscape of debt recovery with the power of legal expertise. If you're seeking a partner to navigate the financial waters with legal acumen and integrity, reach out to us today. Let us be the legal force that guides you to a more secure and legally sound financial future.

Will insurance contracts in the UAE cover the Weather conditions Related harms caused to home and vehicles? Over the course of the end of the week, the UAE was hit by weighty downpours and rainstorms ,harming vehicles and homes. This has left a few occupants contemplating whether their protection will cover climate related harms. The protection business chiefs say that vehicle proprietors can guarantee protection assuming their vehicles are harmed subsequent to lowering completely or somewhat because of the weighty downpour . Thus the business chiefs prompt drivers to purchase exhaustive insurance contracts which cover towing ,street help and different offices Anyway , with regards to home insurance ,safety net providers say that the contracts cover the harms because of downpours ,yet in addition relies upon the bundles picked by the person. It's unequivocally prescribed to have home protection since it safeguards occupants' resources and other substance of the house. Dubai Police has given guidelines for drivers that assuming the vehicle experience harms due to climate variances ,it means a lot to report the harm by catching a video or photograph .A short time later ,they ought to quickly go to the closest police headquarters and record a point by point report in regards to the occurrence The capacity to guarantee relies upon the phrasing of your chose insurance contract's inclusion and rejections so a cautious assessment of strategy language is crucial. Overlooking the fine print while profiting the cover might prompt amazements later .The rejections could exist for specific circumstances ,counting force majeure occasions and they are remarkable occasion or conditions that could never have been stayed away from or survive and are unchangeable as far as individual might be concerned. On the off chance that a power majeure occasion isn't covered and happens, protection suppliers could shield against their responsibility in light of Article287 of the UAE Common Exchange Regulation which states that a party isn't responsible for harms on the off chance that it can show that the misfortune came about because of a power majeure occasion .But , on the off chance that the strategy phrasing incorporates inclusion against a power majeure occasion ,like a whiz fiasco ,the protection supplier might be under a legitimate commitment to reimburse the guaranteed Cases can challenge ,in occasion where the harms was brought about by the protector's carelessness or on the other hand absence of care for examples on the off chance that your vehicle was left in a flood-inclined region or you were driving through an overwhelmed region, bringing about harms to motor. Contingent upon the harms it can require half a month to months to settle claims

Dubai indebted individuals who demonstrate powerlessness to reimburse could keep away from detainment In Dubai common cases, in the event that somebody demonstrates they can't pay what the court requested, they will typically try not to confront a capture warrant, the emirate's most elevated legal body has said. Loan bosses need to show that the individual who owes the cash has adequate assets to pay the obligation under the watchful eye of the court can give a capture warrant for neglected contribution. The Dubai Court of Cassation made the declaration on October 24 trying to explain the statements of article 319 of the government common strategy regulation and keep away from lenders making superfluous cases. The court said indebtedness ought to be assumed except if demonstrated in any case and that banks should give proof. Dr Hassan Elhais, a legitimate expert at Awatif Mohammad Shoqi Promoters and Legitimate Specialists in Dubai, said the law considers the detainment of debt holders who neglect to conform to court-requested installments, except if they can demonstrate their bankruptcy. "In any case, it's pivotal to take note of that the article likewise frames explicit circumstances under which cases of bankruptcy may not be acknowledged, possibly leaving borrowers powerless against detainment," he told The Public. "These incorporate assuming that the borrower has snuck or covered their resources with the expectation of hurting the bank. "These activities make it unthinkable for the leaser to get to these resources for reimbursement." He said this incorporates situations where the obligation contains at least one portions that the debt holder has neglected to pay, or when the debt holder has given certifications to someone else's obligation under the steady gaze of the court or an execution judge. The main special case is on the off chance that the borrower can show new conditions that have essentially impacted their monetary conditions, making it difficult to meet their reimbursement commitments. "However, we must be certain that this is connected with cases including land, business, family and work questions, and not criminal offenses," Dr Elhais added. The court said requirement passes judgment on should direct a short examination with the debt holder prior to thinking about detainment, with an emphasis on demonstrating dissolvability or revealing resource camouflage. "This milestone goal means to give a more attractive and more adjusted way to deal with obligation related matters in Dubai, guaranteeing that people confronting monetary difficulties are not unduly punished," Dr Elais said. "It highlights the significance of demonstrating an indebted person's dissolvability prior to falling back on detainment, guaranteeing a more evenhanded lawful cycle."

Hiring a lawyer in the United Arab Emirates (UAE) can be beneficial for a variety of reasons, just as it can be in any other country. Here are some specific reasons why you might consider hiring a lawyer in the UAE: Understanding Local Laws and Regulations: The legal system in the UAE is based on Islamic law (Sharia) and civil law, which can be quite different from legal systems in other countries. A qualified lawyer in the UAE will have a deep understanding of local laws and regulations, ensuring that you remain compliant with them. Legal Advice and Expertise: Lawyers can provide valuable legal advice and expertise in a wide range of matters, including business law, real estate, family law, employment issues, and more. They can help you navigate complex legal issues and make informed decisions.

Breaking the laws governing the bicycles and e-scooters may end up with these seven penalties: 1.If you ride an electric bicycle or bicycle with a passenger ,you will be fined AED 100 2.using e-scooter with a passenger , AED 300 3. Not donning the necessary protective gear and helmet-AED 200 4.Disregarding the RTA’s speed restrictions on approved tracks,AED 300 5.Disregard for the directional indicators on the highways and railroads AED 200 6.If your bicycle riding puts your life or the lives of others in danger ,you will be fined AED 300. 7.Children under age 12 who ride without an adult companion will pay AED 200 Riders must follow authorized tracks and traffic directions and the maximum speed on designated tracks in residential zones and on beaches is 20km/h E-scooters are restricted to drivers under the age of sixteen ,and it is against the law to transport a passenger in one these vehicles .Minors under the age of twelve need to be accompanied by an adult

To uphold the sanctity of commercial agreements in the UAE the law will be enforced rigorously whether the violation is committed by a third party or one of the contractual parties .Hasan Al Kilany ,a senior legal counsel at the Ministry of the economy ,emphasized that the penalties would be applied without discrimination . As per the amended law ,penalties include the confiscation of goods and fine reaching up to DH400,000. Penalties are Imposed in a tiered manner under the new disciplinary cabinet resolution .In the first offense results a warning followed by a DH 100,000 fine .For recurrent violations or actions leads to seizure of goods and fine increases to DH 200,000.Finally a substantial fine DH400,000 is imposed for the most severe violations . Any wrong doing such as agent in one emirate attempts to bypass geographical limitations and sell goods in another emirate would be subject to these penalties . The commercial agencies law came into effect on June 16,2023 and the disputes will now be adjudicated under its provisions ,ensuring a consistent approach to handling violations .previously such disputes were referred to civil courts. Commercial agency business sector is reserved for UAE nationals and public joint stock companies in which at least 51 per cent of national capital contribution will be allowed to act as commercial agents .

Sheikh Mohammed bin Rashid, perdana menteri dan penguasa dubai, mengatakan pada hari Senin bahwa sistem tunjangan akan berfungsi untuk “menjaga tabungan karyawan” dan mendorong stabilitas keuangan bagi keluarga. Di bawah pengawasan Otoritas Sekuritas dan Komoditas dan bekerja sama dengan Kementerian Sumber Daya Manusia dan Emirat, investasi sektor swasta dan dana tabungan akan dibentuk dan karyawan yang memenuhi syarat dapat menginvestasikan uang mereka dalam skema mana pun. Skema ini mencakup 3 opsi (i) Investasi bebas risiko yang mempertahankan modal (ii) Investasi berbasis risiko dengan risiko bervariasi antara rendah, menengah dan tinggi (iii) Investasi syariah yang mematuhi hukum syariah Islam. Setelah hubungan kerja dengan pemberi kerja berakhir, maka pekerja akan diberikan tunjangan akhir masa kerja. Bahkan pekerja yang ditunjuk pun akan mendapatkan tunjangan jika meninggal dunia. Pegawai dari “semua tingkat pekerjaan dan pola kerja” berhak mengikuti skema ini dan pegawai sektor publik mempunyai pilihan untuk “tujuan tabungan dan investasi”. Bagi pemberi kerja, sistem baru ini tidak bersifat wajib, jika mereka memilihnya, mereka harus memberikan sumbangan bulanan setelah bergabung . Di tingkat federal, ini adalah skema investasi gratifikasi pertama di UEA. Tanggal implementasi belum diungkapkan oleh otoritas terkait