Getting into a car accident can be a stressful and overwhelming experience, and dealing with the aftermath can be equally challenging. If you are involved in a car accident in Saudi Arabia, it's important to know how to claim insurance to cover the damages and expenses. The process of claiming car insurance in KSA can be complex, and it's essential to follow the proper steps to ensure that you receive the compensation you deserve. This guide will outline the necessary steps to file a car insurance claim in Saudi Arabia and navigate the process successfully.
Call Najm or Traffic Police
If none of the parties involved have insurance: If there is a fire, injury, or death resulting from a car accident, or if none of the parties involved have insurance, contact the traffic police immediately at 993.
If any party involved in the accident has valid insurance: You can reach out to Najm through their helpline at 920000560 or via the Najm app. For assistance via WhatsApp, you can contact Najm at 920000560.
Najm Details:
- Najm WhatsApp Number: 920000560
- Download the Najm App for Android
- Download the Najm App for IOS
After Downloading the Najm App:
1. Choose the English language option.
2. Register for an account using your Iqama number.
3. Verify your account using the Nafath app. You can download it from the following links: Google Play or App Store.
4. Open the Najm app and navigate to the Home screen.
5. Locate and click on the "Report Accident" button.
6. Provide the necessary information about the other vehicle involved in the accident.
7. Capture photos of the vehicles involved and upload them to the Najm system.
8. The system will assign a surveyor to your case shortly.
Najm Accident Procedure: Evaluation of Vehicles and Accident Site
1. When you report an accident to Najm, their procedure begins with a surveyor who examines the cars involved and the location of the accident. They will ask you to explain how the accident happened in detail. The surveyor's role is to determine the responsibilities of each party based on their assessment of the vehicles and the accident site.
2. You will receive an SMS from Najm confirming the registration of your case in a short while.
3. After some time, you will receive an additional SMS from the traffic police, confirming the registration of your Muroor accident report.
Note: If you were driving a rental car, it is important to contact the rental company from whom you obtained the vehicle. They will assist you in completing the remaining steps of the process.
How to Check the Status of Your Accident Report: Using the Najm Application
1. Log in to your account.
2. Select “Accidents“.
3. Click on the recent accident.
4. View the accident report.
Claiming Insurance after a Car Accident in Saudi Arabia:
Once the accident report is submitted, you need to get a Taqdeer appointment. How to get Taqdeer Appointment is explained below:
Taqdeer Appointment
Scheduling a Taqdeer Appointment: Step-by-Step Process
1. Open the following link: https://www.taqdeer.sa/book-appointment/
2. Fill in your details as follows:
• Name: Your full name.
• Mobile Number: Your contact number.
• Select the center: Choose the appropriate Taqdeer Center.
• Accident Number: Provide the accident number mentioned in the Muroor accident report SMS.
• Plate lettering: Enter the alphabet displayed on your car's number plate.
• Plate numbers: Input the digits found on your car's number plate.
Taqdeer Accident Report
To obtain the Taqdeer Accident Report, you will need to visit the Taqdeer Center in person.
• Locating the Nearest Taqdeer Center: Visit https://arablocal.com/business/category/taqdeer-center to find the nearest Taqdeer center in your area.
• Completing the Taqdeer Evaluation Process: Follow the necessary steps and procedures at the Taqdeer center to complete the evaluation for your accident.
• Receiving the Taqdeer Accident Report: You will receive the Taqdeer accident report via SMS, which will include the estimated cost of spare parts and labor charges needed to repair your vehicle.
Claiming Compensation from the Insurance Company
• For Third-Party Claims: If you are making a claim against the responsible party's insurance, you need to upload the required documents through their website's online portal.
• For Comprehensive Insurance Claims: If you have comprehensive insurance and the accident reports indicate you are fully responsible for the incident, you must submit your claim to your own insurance company.
Afterward, you can expect to receive an email from the insurance company confirming the submission of your claim. Payment will be processed within 15 days from the receipt of this confirmation SMS.
Obtaining a Vehicle Repair Permit from Absher
When you are prepared to have your car repaired, it is necessary to obtain a vehicle repair permit from Absher. This permit is required by car mechanics to initiate the repair process and ensure compliance with the necessary regulations.
Handling Hit-and-Run Cases: Special Procedure in Saudi Arabia
In Saudi Arabia, if you fail to stop your vehicle at the scene of an accident, it is considered a hit-and-run case. It is important to note that hit-and-run cases are treated differently, and a separate procedure needs to be followed.
In such instances, it is advisable to report the incident immediately to the police. Provide them with any available information, such as the description of the vehicle involved and its license plate number. The authorities will conduct an investigation to determine the responsible party.
It's essential to be aware that hit-and-run offenses in Saudi Arabia carry serious penalties. If found guilty, you may face a fine of SR 10,000 and a potential jail sentence of 3 months.
To ensure compliance with the legal process and protect your rights, it is recommended to cooperate fully with the police and seek legal advice from a qualified professional in such cases.
Hit and Run – Third-party Insurance
If you have third party insurance in Saudi Arabia and somebody hits your car and runs away, you need to;
Hit and Run with Third-Party Insurance: Necessary Steps in Saudi Arabia
If you have third-party insurance in Saudi Arabia and your car is involved in a hit-and-run incident, follow these steps:
• Note down the car number plate: Try to remember or write down the license plate number of the vehicle that fled the scene. This information will be helpful for identification purposes.
• Submit an accident report: Immediately report the hit-and-run accident to the traffic police. Provide them with all the relevant details, including the car number plate, time, and location of the incident. They will document the incident and provide you with an accident report.
• Obtain a repair damage assessment: Take your vehicle to a trusted repair shop to assess the damage caused by the hit-and-run. The repair shop will provide you with an evaluation report indicating the repairs needed.
• Submit the assessment to Muroor: Submit the repair damage assessment report to the Muroor (Traffic Department). This documentation is required to proceed with the repair process.
• Repair your vehicle: Once you have the necessary approvals and documentation, proceed with repairing your vehicle at an authorized repair facility. Coordinate with your insurance company to ensure a smooth process.
Hit and Run – Comprehensive Insurance: Necessary Steps in Saudi Arabia
If you have comprehensive insurance in Saudi Arabia and someone hits your car and flees the scene, follow these steps:
• Note down the car's license plate number.
• Report the accident to the traffic police and obtain repair permission.
• Obtain a repair damage assessment from Taqdeer.
• Submit an insurance claim to your insurance company.
Traffic Accidents Causing Death or Injuries: Legal Consequences
For serious traffic accidents resulting in deaths:
Jail term: 4 years.
Fine: SR 200,000.
For serious traffic accidents causing injuries lasting more than 15 days:
Jail term: 2 years.
Fine: SR 100,000.
Please note that these penalties are subject to Saudi Arabian traffic laws and may be subject to change. Consult legal authorities or seek professional advice for the most accurate and up-to-date information regarding traffic accident penalties.
