Claim for Damages on my Car Insurance in Saudi Arabia

If you’ve had a car accident in Saudi Arabia and Najm came to the scene, you can do most of the next steps right from the Najm app (or website) — including submitting your insurance claim. Here’s a step-by-step guide to help you ou

1. Get a Damage Report (Taqdeer)

The first thing you need to do after the accident is book an appointment at a Taqdeer center (a place that checks the damage to your car). Once they inspect your car, you’ll get a report. After that, go back to the Najm app to start your insurance claim.

📌 Here’s a tip
Taqdeer report costs around SAR 130. Make sure you keep the receipt — you can attach it when you file a claim online & get that money back.

Same goes for car tow services, if you needed a tow truck to move your car to Taqdeer center after the accident, keep that receipt too. You can claim that from insurance as well.

2. Use Najm to file your car insurance claim

Open the Najm app or website and follow these steps:
E-Services > Claims > New Claim > Fill out your info > Submit

If you get “Sorry, you can’t submit the claim. Please check with (Insrance Company name).”

In that case, you’ll need to submit your claim directly on the insurance company’s website or app. This is usually the case with Takaful Al-Rajhi claims and Tawuniya Insurance.

3. Wait for your insurance money

Once you’ve submitted your claim correctly, the insurance company should send the payment within 15 working days.

If they take longer than that, you have the right to file a complaint with the Insurance Authority.

If the other driver was 100% at fault – Najm can take care of everything for you!

Najm has a car repair serives called Najm Repair Network — it’s only available for drivers who have third party insurance. With this service, Najm promises to:

✅ Provide free car tow services (if needed)
✅ Send someone to take your car to Taqdeer
✅ Repair your car at a trusted workshop
✅ Return the car to you when it’s ready

You can learn more about it here: 👉 You can now fix your car with Najm!

What If the Other Driver Has No Insurance?

If the other person caused the accident but doesn’t have insurance and refuses to pay, you’ll need to take legal action through the Najiz platform.

Here’s what to do:

1. Go to Najiz
2. Start a new case
3. Choose:
   • Main category: General
   • Subcategory: Traffic
   • Case type: Private right from a traffic accident

Attach all the documents:

• Najm report
• Damage report
• Any receipts (assessment, towing, rental car, etc.)

Next:

• Najiz will schedule an online court session
• You’ll have a chance to negotiate payment or a payment plan
• Once there’s an agreement the judge will give an official order.
• If the payment isn’t made within 5 days, the court will suspend the driver’s government services
• And if the driver is employed, the court may deduct the amount directly from their salary until the full amount is paid.

Make life easier — get comprehensive car insurance!

To avoid all this drama, just get comprehensive car insurance from the start. It’ll save you time and stress, especially if the other person doesn’t have car insurance or tries to avoid paying 🥴

Comprehensive may not be the cheapest car insurance in Sauid, but it gives you the best value and real support when you need it. A few minutes on a car insurance price comparison website could help you find low price car insurance that you can rely on!