How to claim insurance for car accident in KSA?

After a car accident in Saudi Arabia, you have to follow the Najm accident procedure, get Muroor Report, Taqdeer Report, and claim the money from the insurance company. Here is the process;

Call Najm or Traffic Police

In case there is fire, injury, or death in a car accident or none of the parties has insurance, call traffic police at 993.

Call Najm at 920000560 or through the Najm app if any party involving in a car accident has valid insurance.

  • Download the Najm App from either Playstore or iTunes.
  • Select the English language.
  • Enter your mobile number
  • Press the “Add Vehicles” button from the options using either;
    • Plate Number.
    • Vehicle Sequence Number.
    • Custom ID.
    • Chassis Number.

Call Najm through the App

  • Next, you can go to the Home screen in the Najm app and click on the “Report Accident” button.
  • Add the details of the other car which was involved in the accident.
  • Take photos of the cars and upload them to the Najm system.
  • Soon, you will be assigned a surveyor.

Call Najm through the App

Najm Accident Procedure

The Najm accident procedure starts with the surveyor evaluating the cars and accident site, asking you to explain how the accident happened and determining the responsibilities.

Soon you will receive an SMS from Najm that your case has been registered.

Najm Accident Procedure

After a while, you will receive another SMS from the traffic police confirming that your Muroor accident report has been registered.

Muroor Accident Report

If you were driving a rental car, you need to contact the company from whom you have taken the car. They will complete the rest of the process.

You can check the status of your accident report by entering the accident number and mobile number through this link.

Status of Accident Report by Najm

Taqdeer Appointment

In the next step to claim insurance after a car accident in Saudi Arabia, you need to get a Taqdeer appointment. In order to do it;

  • Open the link: https://www.taqdeer.sa/حجز-موعد/
  • الاسم: Name.
  • رقم الجوال: Mobile Number.
  • اختر المركز: Select the Taqdeer Center.
  • رقم الحادث: Accident Number given in Muroor accident report SMS.
  • حروف اللوحة: Alphabets on Car Number Plate.
  • ارقام اللوحة: Digits in Car Number Plate.

Taqdeer Appointment

Taqdeer Accident Report

Now you need to get the Taqdeer Accident Report from the Taqdeer center.

  • Find the Taqdeer center: https://www.taqdeer.sa/أقرب-مركز/
  • Complete the process for Taqdeer evaluation.
  • You will receive the Taqdeer accident report on SMS containing the value of spare parts and labor charges required to repair the vehicle.

Taqdeer Accident Report

Claim the money from the insurance company

Now you need to claim the money from the insurance company by uploading the documents to their website online.

  • If you have third-party insurance, claim it from the insurance company of the other party
  • If you have comprehensive insurance and the accident reports hold you 100% responsible for the accident, you need to submit the insurance claim to your insurance company.

After a while, you will receive an email from the insurance company that your claim has been submitted. You will be paid within 15 days of this SMS.

Hit and run cases

If you fail to stop your vehicle at the place of accident, it is considered as a hit and run case for which you can be fined with SR 10,000 and jailed for 3 months in Saudi Arabia.

In hit and run cases of car accidents, you need to follow a separate procedure in Saudi Arabia. 

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;

  • Note down the car number plate of the vehicle running away.
  • Submit the accident report to the traffic police.
  • Get the repair damage assessment and submit it to the Muroor.
  • Repair the vehicle.

Hit and Run - Third-party Insurance

Hit and Run – Comprehensive Insurance

If you have comprehensive insurance in Saudi Arabia and somebody hits your car and runs away, you need to;

  • Note down the car number plate of the vehicle running away.
  • Submit the accident report to the traffic police and get repair permission.
  • Get the repair damage assessment from Taqdeer.
  • Submit the insurance claim to your insurance company.

Traffic accidents causing death or injuries

A motorist caught causing a serious traffic accident that results in deaths will be;

  • Jailed for 4 years and,
  • fine with SR 200,000.

A motorist caught causing a serious traffic accident causing injuries that last for more than 15 days will be;

  • Jailed for 2 years and,
  • fine with SR 100,000.

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Steve has been living in Saudi Arabia since 2013 and writing about Saudi rules, regulations, guides, and procedures since then.