What to do after car accident in Saudi Arabia

If you just had a car accident in Saudi Arabia, here’s exactly what to do—step by step. These steps will help you report a car accident through Najm, and ensure your car insurance claim is approved without delays.

Next steps after a car accident in Saudi Arabia

1. When safe, take pictures of the full scene, including all vehicles’ positions, damage, and number plates.
2. Move Aside. You are legally allowed (and encouraged) to move your car out of the way.
3. Contact Najm through the App or WhatsApp number.

👉 These steps protect you legally and ensure your car insurance claim is accepted.

📞 Should you call Moroor after a car accident?

You only need to call Moroor (993) if the accident involves injuries, deaths, or if no one has valid insurance. In Saudi Arabia, Najm is responsible for documenting car accidents and deciding who is wrong.

🧾How to claim insurance for a car accident in Saudi Arabia

1. Get your Najm accident report

After reporting through Najm, you’ll receive an SMS with a link to download your report.

👉 Didn’t receive it? Check the Najm app.

2. Go to Taqdeer for damage assessment

Google Taqdeer centre near me and book an appointment.

They will:

• Inspect your car
• Estimate repair cost (parts + labour)

👉 You’ll find the car insurance company you’re supposed to file a claim with listed in this report.

3. Keep all receipts (very important)

If you used:

• Recovery truck or towing service to transport your car to Taqdeer
• Paid for the VAT for your spare parts and labour

👉 Keep the receipt—you can claim it back from the insurance company.

4. File your car insurance claim

You can file a car insurance claim in Saudi Arabia through:

• Najm app (for most car insurance companies in KSA)
• Insurance company website/app (e.g. some companies require direct claims like Al Rajhi Takaful)

Documents you’ll need:

• Najm report
• Taqdeer report
• ID / Iqama
• Driver’s license
• Istemara (car registration)
• IBAN (bank account)

5. Wait for your car insurance money

• Car insurance companies in Saudi Arabia usually process claims within 5-15 working days
• They’ll transfer the payment directly to your IBAN.

👉 If delayed without a valid reason, you can file a complaint with the Insurance Authority.

FAQs about car accidents in KSA

Is it legal to move my car before Najm arrives?

Yes. In fact, you are legally required to move your car to avoid blocking the road. Just get good pictures first.

Will moving my car lead to a “hit and run” accusation?

Absolutely not. Najm encourages moving your car to keep the road flowing and avoid more accidents. It only becomes a hit and run if you drive away without reporting the accident or speaking to the other driver(s).

Do I have to wait for Najm representative to arrive?

No, you don’t need to wait anymore. In most cases now, Najm handles car accidents remotely through their app or WhatsApp.

What if my driving license is expired?

Car insurance companies in Saudi Arabia will still accept paying for the accident, but only if you renew your driving license within 50 days.

⚠️ If it takes you more than 50 days to renew, you’ll have to pay back the money the car insurance paid!

What if the other driver doesn’t have insurance or money?

If you have comprehensive insurance, it will repair the car for you. If not, you can legally enforce payment from the driver on Najiz. And, you always have the option to forgive the debt and handle repairs yourself.

⚠️But never drop a car accident with verbal agreement. With no official documentation, you have no protection if the other driver changes their mind later!

Can I repair a bank-financed car without filing a claim?

No. If you repair the car without informing the bank or their insurer, you will face legal problems later when returning the car

What if it was a hit-and-run accident?

Stay where you are and call Moroor (993) to get an official report. After that you can repair your car through comprehensive insurance. Or, claim compensation when the driver is identified.

💸 Does car insurance increase after an accident?

Even if you weren’t 100% at fault, you’ll notice that your car insurance prices got more expensive after an accident. Car insurance companies in Saudi Arabia see an accident as a red flag, suggesting that you are more likely to be involved in another accident. Plus, making a claim could also mean losing your Najm no-claims discount.