Najm has introduced a new procedure for obtaining insurance after a car accident.

How do I file an insurance claim for a car accident in Saudi Arabia?

Following a car accident in Saudi Arabia, you must follow the Najm accident protocol, obtain a Muroor Report and a Taqdeer Report, then file a claim with the insurance provider. Here’s how it works:

Contact Najm or the Traffic Police.
In the case of an accident involving fire, injury, or death, or if none of the parties has insurance, dial 993.

If any party involved in an automobile accident has proper insurance, contact Najm at 920000560 or via the Najm app.

• 920000560 is Najm’s WhatsApp number.
• Download the Najm App from Google Play or iTunes.
• Choose English as your language.
• Make an account using your Iqama number.
• Using the Nafath app, approve the account.
• Navigate to the Najm app’s Home screen and tap the “Report Accident” icon.
• Include information on the other vehicle involved in the accident.
• Photograph the vehicles and transmit them to the Najm system.
• You will be assigned a surveyor soon.

Accident Procedure in Najm
The Najm accident method begins with the surveyor inspecting the automobiles and accident scene, then asking you to explain how the accident occurred and assigning duties.

Najm will send you an SMS shortly informing you that your case has been registered.

After a while, you will receive another SMS from the traffic police verifying the receipt of your Muroor accident report.

If you were driving a rental car, you must contact the business from which you rented the vehicle. They will finish the rest of the procedure.

The Najm application allows you to check the status of your accident report.

• Please sign in to your account.
• Choose “Accidents”.
• Select the most recent accident.
• Examine the accident report.

Taqdeer Consultation
To claim insurance following an automobile accident in Saudi Arabia, you must first schedule a Taqdeer appointment. To accomplish this;

• Click on the following link: https://www.taqdeer.sa/حجز-موعد/
• الاسم: Name.
• رقم الجوال: Phone No.
• اختر المركز: Choose the Taqdeer Center.
• رقم الحادث: The accident number is provided in the Muroor accident report SMS.
• حروف اللوحة: Alphabets on a Car License Plate.
• ارقام اللوحة:Digits on a vehicle’s license plate.

Report on the Taqdeer Accident
You must now obtain the Taqdeer Accident Report from the Taqdeer facility.

• Find the Taqdeer center here: https://www.taqdeer.sa/أقرب-مركز/
• Complete the Taqdeer evaluation process.
• You will receive the Taqdeer accident report through SMS, which will include the cost of spare components and labor to fix the vehicle.

Make a claim with the insurance company.

Third Party: You must now file a claim with the insurance company of the individual who is liable for paying the claim by submitting the paperwork to their website.

If you have comprehensive insurance and the accident reports hold you completely accountable for the accident, you must file an insurance claim with your insurance provider.

After some time has passed, you will receive an email from the insurance company indicating that your claim has been submitted. You will be paid 15 days after receiving this SMS.

Absher’s vehicle repair permit
When you are ready to fix the vehicle, you must obtain a vehicle repair permit from Absher. To repair the car, the mechanic would need a vehicle repair permit.

Cases of hit-and-run
If you fail to halt your car at the scene of an accident, it is considered a hit and run offense in Saudi Arabia, and you can be fined SR 10,000 and imprisoned for three months.

In Saudi Arabia, there is a unique procedure for hit-and-run car accidents.

Third-party Insurance for Hit and Run

In Saudi Arabia, if you have third-party insurance and someone crashes your automobile and flees, you must;

• Take down the license plate number of the vehicle that is fleeing.
• Report the accident to the traffic police.
• Obtain the repair damage assessment and deliver it to Muroor.
• Fix the automobile.

Comprehensive Insurance for Hit and Run

In Saudi Arabia, if you have comprehensive insurance and someone hits your automobile and flees, you must;

• Take down the license plate number of the vehicle that is fleeing.
• Submit an accident report to the traffic police and obtain repair authorization.
• Taqdeer will assess the repair damage.
• Submit the insurance claim to your insurer.

Traffic accidents that result in death or injury

A driver who causes a serious traffic accident that results in death will face the following penalties:

He was imprisoned for four years and fined SR 200,000.
A motorist who causes a serious traffic collision that results in injuries that last more than 15 days will face the following penalties:

Jailed for two years and fined SR 100,000.