What to do after car accident in Saudi Arabia
If your car is in an accident, you will want to make a claim on your motor insurance. This blog tells you what you need to know after getting into a car accident in Saudi, and what steps you should follow to repair your car or get your car insurance money.
What to do in case of a car accident in Saudi Arabia?
Most important things to know if you have a car accident in Saudi Arabia
Stop your car and make sure you and the other driver(s) are okay. It’s not just human decency, and it’s also a must. Drivers who don’t stop after a car accident in Saudi Arabia will face “hit-and-run” charges.
Call Najm, if at least one of you has car insurance, Najm will provide the accident report and help you file a claim online.
Call Muroor, if no one has car insurance or if someone gets hurt.
Act FAST if your driver’s license has expired! Car insurance companies in Saudi Arabia allow you to renew within 50 days of the accident. If you don’t, you’ll have to pay them back for all the repairs.
Get everything OFFICIAL, if you both agree to handle paying for car repairs yourselves (no insurance involved), use Absher’s Accident Waiver service.
DO NOT leave the scene without an official accident report if your car is leased. Why? Because the bank owns the car, not you! You have to file a claim with the insurance company, or you could find yourself in serious trouble.
Required steps after a car accident in Saudi Arabia
#1 Report the accident
- If at least one driver has car insurance policy, contact Najm via WhatsApp at 920000560 — or report the accident through the Najm app (available on Apple and Android devices).
- For serious accidents (injuries, runaway driver, no insurance) contact Muroor.
- Even if you don’t plan to file an insurance claim, always get an accident report. Read why you should never drop a car accident with verbal agreement!
#2 Get your accident report by SMS
- You will receive a message from Najm with a link to download the accident report.
- Get the report and search for Taqdeer centres in your city on Google and go to the nearest centre. ( If you did not receive the sms, login on Najm app and you will find the report there).
#2 Go to Taqdeer and get an evaluation
- Taqdeer center assesses the damage to your car and the expected repair cost (parts + labor) and sends you the report by SMS within 24 hours.
- The insurance company which you will need to submit the claim will be mentioned on the taqdeer report.
Quick tip
If you end up needing a tow truck to take your car to Taqdeer, keep the receipt with you. When you file your car insurance claim, upload it to get what you paid back.
#4 File your car insurance claim online
- You can use Najm app or website to file a car insurance claim online for most car insurance companies in Saudi Arabia. Some companies like Al Rajhi Takaful don’t accept claims via Najm. So, you’ll need to file the claim through their own app or official website.
- Make sure to have your Najm report, Taqdeer report, ID or Iqama copy, license and istemara copy, account IBAN from bank when you file your claim.
#5 Wait for your insurance money
- After your claim is approved, you should receive your insurance money within 15 working days. Then, choose your repair shop.
- If the company takes more than 15 days with no valid reasons you can, you have the right to file a complaint — and even escalate it to the insurance regulator in Saudi, the Insurance Authority.
Does car insurance go up after an accident?
Even if you weren’t at fault, you’ll notice that your car insurance quotes 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.
If you see an increase, don’t just accept it!
Compare car insurance online to get the best deal
Prices change, and your current company might not be the cheapest car insurance company in Saudi Arabia anymore!
Compare car insurance prices online with wakeel and find the best offers available to you.
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