Never drop a car accident in Saudi with a verbal agreement!
Say you got into a small car accident. Just a little bump. No one’s hurt, the other driver seems cool, and the damage to both cars can hardly be seen. You both probably thinking, ‘Let’s just drop it.’ And you’re not wrong! In Saudi, many drivers will avoid filing an insurance claim after a minor accident to stop TPL or comprehensive car insurance prices from going up. Plus, it’s the safe thing to do to protect your Najm no-claims
👇 Let’s explain what it means to “drop” a car accident in Saudi & the right steps to take if you agree with the other driver(s) to do that to prevent things from going wrong!
What does it mean to drop a car accident?
In simple words, dropping a car accident means avoiding filing insurance claims. People may choose to drop an accident out of sheer kindness, or if they agree to pay for car repairs themselves without involving car insurance companies.
🔎 Key takeaways
- Car insurance claims often trigger a price increase, something all car owners in Saudi want to avoid.
- It’s always best to involve Najm in any accident, no matter how minor.
- While reporting the accident to Najm is a must, filing a car insurance claim is optional.
- Absher ‘accident waiver’ service can protect you from any legal trouble later.
- You can’t brush off accidents, if you have a leased car. Your lease agreement probably says you have to file a claim for every accident.
Careful tho 🚩 this could happen to you!
While there’s nothing wrong with dropping an accident and moving on, you’ll want to make sure you do things the right way before you say “Let’s just forget about it” because you never know what could happen later!
Sometimes, the other driver might change the story and accuse you of running away from the accident scene. Why would they do that? In Saudi law, a hit-and-run driver is responsible for all damages, even if they were only partially at fault.
Other times, the other driver might promise to pay, but then change their mind when they see car repair costs, especially if they don’t have car insurance in the first place.
👇Now, let’s talk about how you can ensure that a small bump today doesn’t turn into a big headache tomorrow!
The right way to drop a car accident in Saudi
Here are the steps you should take after a car accident if you both agree to drop the accident.
1. Report the accident first
Never leave the scene of a car accident before you report the accident to Najm (or Muroor if no one has car insurance).
Remember, without an official accident report there’s no official record of what really happened — nothing to hold anyone accountable for promises or prove who is to blame!
2. Go on Absher and use[ Accident Objection/Waiver] service
Worry not! Even if you report the accident to Najm, you don’t have to file claims with car insurance companies.
So, if you both agree to drop the accident, you can use the Accident Objection/Waiver service on Absher. This service will protect you both legally, and it stops anyone from changing their story later.
Just remember, if you drop an accident, you’ll likely have to pay your deductible yourself to fix your car.
When the damage is serious, you will probably want to think twice before agreeing to drop a car accident. After all, even with comprehensive insurance, you’ll still need to pay the full deductible amount before your insurance company repairs your car.
Normally, you won’t have to pay the full amount; because the insurance company will get their money back from the other driver company. And if they don’t have insurance, the company will go after the driver directly. So, when you “drop an accident”, you’d also be “dropping” your car insurance company’s right to recover their money.
Stay safe!
No matter what agreement you want to make with the other driver(s), always involve Najm or Muroor first. Playing it safe is always the best bet!
If you’re only dropping an accident because you’re worried about your car insurance going up after an accident, compare prices from different car insurance companies in Saudi. You’ll almost always find cheaper car insurance if you shop around on a price comparison website!
Back To Top