How To Claim Insurance For Car Accidents In Saudi Arabia?

To claim insurance for a car accident in Saudi Arabia, you need to follow these steps:

• Inform Najm, Saudi Arabia’s accident management service, by dialing +920000560 or using the Najm App. Give your personal information, vehicle data, and accident location.
• Await the Najm officer’s arrival to evaluate damage and responsibility. They will supply an accident report outlining the cause and involved parties.
• Reach out to your insurer and file a claim within three days of obtaining the accident report. Supply your policy number, ID copy, driving license copy, vehicle registration copy, and Najm’s original accident report. Additional documents may be necessary based on insurer stipulations.
• Anticipate your insurer’s claim assessment and notification of the result. If approved, expect compensation for vehicle damage or loss per your policy’s terms. If denied, lodge an objection with Najm or the Saudi Central Bank’s Consumer Protection Department.

Do I need to file a police report to claim car insurance in Saudi Arabia?

No, you do not need to file a police report to claim car insurance in Saudi Arabia, unless the accident involves fire, injury, death, or if none of the parties has insurance. 

In these cases, you must call 993 and report the accident to the traffic police. 

Otherwise, you can report the accident to Najm, the company that provides accident management services in Saudi Arabia, by calling 920000560 or using Najm App. 

Najm will send an officer to the scene and issue an accident report that you can use to claim your insurance. 

You do not have to pay any fees to Najm for this service.

What documents are required to claim car insurance after an accident in Saudi Arabia?

The required documents to claim car insurance after an accident in Saudi Arabia may vary depending on the type of insurance and the insurance company. However, some common documents that you may need are:

1. A completed claim form, which you can get from your insurance company or online.
2. The accident report issued by Najm or the traffic police, states the cause of the accident and the parties involved.
3. A copy of your valid driving license, which proves your identity and eligibility to drive.
4. A copy of your vehicle registration (Istimara), which proves your ownership and validity of the vehicle.
5. A document reform is a form that authorizes the repair of your vehicle by a workshop approved by your insurance company.
6. A correct estimate for car repair from specialized centers, which shows the cost and extent of the damage to your vehicle.
7. A court report if any injuries or deaths occurred as a result of the accident, which shows the legal outcome and liability of the parties.
8. An IBAN copy if you are entitled to receive compensation from your insurance company, which shows your bank account details.

How long does it take to process a car insurance claim in Saudi Arabia?

The duration for processing a car insurance claim in Saudi Arabia is subject to variation depending on various factors like the insurance type, extent of damage, and insurer. 

Nevertheless, SAMA, the regulatory body governing the insurance sector, mandates that the compensation should be paid within a maximum of 15 days after the submission of all the essential documents, or as per SAMA’s instructions. 

If there is a delay, you may lodge a complaint through SamaCares. 

To expedite the process, you should report the accident to Najm or the traffic police immediately, evaluate the damage at Taqdeer Center, and submit the claim with all necessary documents to your insurer.

Are there any specific conditions that must be met to claim car insurance in Saudi Arabia?

To claim car insurance in Saudi Arabia, meet these specific conditions:

1. Hold a valid, unexpired driving license, vehicle registration, and insurance policy.
2. Report accidents to Najm or traffic police promptly, based on accident severity and circumstances.
3. Visit Taqdeer Center for vehicle damage assessment and obtain a Taqdeer accident report.
4. Submit your claim and required documents to your insurance company within three days of receiving the accident report.
5. Adhere to insurance policy rules and guidelines, such as obtaining prior authorizations, using in-network providers, and paying deductibles and copays.
6. Refrain from admitting fault or liability for the accident before consulting your insurance company.

How can I ensure that I receive a fair settlement for my car accident insurance claim in Saudi Arabia?

To ensure a fair settlement for your car accident insurance claim in Saudi Arabia, follow these steps:

1. Report the accident to Najm or the traffic police immediately, and get an accident report detailing the cause and involved parties.
2. Head to Taqdeer Center for a vehicle damage assessment and a Taqdeer accident report that covers the damage extent and cost.
3. Submit your claim and all necessary documents to your insurance company within three days of receiving the accident report.
4. Familiarize yourself with the coverage terms and conditions, including deductibles, copays, out-of-pocket maximums, and in-network providers.
5. Keep track of your claim status and follow up if there are delays or issues.
6. Disagree with the report from Najm or Taqdeer? File an objection with Najm or the Saudi Central Bank’s Consumer Protection Department.
7. Not satisfied with the settlement offer? You can seek legal advice or negotiate for a higher amount.

Can I claim insurance for a car accident in Saudi Arabia caused by a third party?

Certainly, insurance claims are possible in Saudi Arabia for car accidents involving third parties. This is achievable with either a comprehensive or a third-party liability policy. 

Comprehensive insurance offers coverage for both your car and the other party, irrespective of fault. 

Third-party liability insurance, on the other hand, covers only the other party’s vehicle, and solely when you bear responsibility for the accident.

What should I do if the insurance company denies my car accident claim in Saudi Arabia?

In case of a car accident claim denial in Saudi Arabia, take these steps:

• First, reach out to your insurer for an explanation of the denial. You deserve to know the basis for the rejection and the evidence considered.
• Next, examine your insurance policy and accident report to ensure compliance with coverage terms and the absence of document errors or inconsistencies.
• Should you contest the denial or suspect an error, submit an objection to your insurer, along with supporting documents or evidence.
• If unresolved by the insurer, file a complaint with Najm or the Saudi Central Bank’s Consumer Protection Department. Include personal, vehicle, and insurance details, the accident report, the insurer’s denial letter, and pertinent documents or evidence.
• Najm or SAMA will assess your complaint, communicate with you and the insurer for a fair resolution, and render a final decision if a settlement proves unattainable.