How to Report a Car Accident in Saudi Arabia

By Mohammed Ameen

Updated on:

How to Report a Car Accident in Saudi Arabia

Getting in a car accident is stressful, but in Saudi Arabia, there’s a clear procedure to report them and claim insurance, ensuring safety and compliance with legal requirements. Understanding this process can make a significant difference in how effectively and swiftly you can handle the aftermath of an accident.

Reporting the Accident

If you’re involved in a vehicle accident in Saudi Arabia, the steps to report it depend on your insurance status and the nature of the accident:

  • For Insured Drivers: If at least one party involved in the accident has valid car insurance, you should contact Najm, the company responsible for handling such cases, using their mobile app or by calling 920000560. This is applicable for accidents without any serious injuries, deaths, or fires​​​​​​.
  • For Uninsured Drivers or Serious Incidents: If there are serious injuries, deaths, or fires resulting from the accident, or if the drivers involved are not insured, you must call the traffic police (Moroor) at 993 instead​​​​.

Read: How to Check Your Car Insurance Validity

At the Accident Scene

  1. Safety First: Ensure everyone’s safety and try to move the vehicles out of the traffic flow if possible without compromising the accident scene​​.
  2. Documentation: Document the accident scene by taking pictures from all angles. This documentation is crucial for Najm’s remote review system, which simplifies the accident handling process​​.
  3. Najm or Police Investigation: Najm or the traffic police will investigate the accident, determining the fault, damages, and necessary reports for insurance claims. It’s vital not to move your car before their arrival​​.

After the Accident

  1. Get an Accident Report: Whether through Najm or Moroor, obtain an accident report detailing the incident and damage​​.
  2. Accident Evaluation Center: Visit an approved center for a detailed damage evaluation. This step may involve a fee, but it is generally reimbursable through your insurance claim​​.
  3. File an Insurance Claim: With the accident report and damage evaluation, file a claim with your insurance provider. This can often be done online, requiring documents such as the report, evaluation, and your bank details for the insurance payout​​.
  4. Repair and Compensation: Upon the approval of your claim, you will receive compensation that allows for the repair of your vehicle at either a workshop of your choice or one recommended by your insurance, depending on the terms of your policy. In the event of a total loss, you will be compensated accordingly.

It’s crucial to drive safely and be aware of road conditions and traffic laws to avoid accidents. However, if you find yourself in one, knowing the right steps to take can greatly reduce stress and ensure you’re back on the road as quickly as possible.

Also Read: How to Book a Muroor Appointment