If you are involved in a car accident on the road, that can be overwhelming, but knowing the right steps in such a case can significantly ease the situation. It doesn’t matter if it is a small accident or a big one, following the proper procedures in Saudi Arabia can help you avoid complications and ensure your insurance claim is processed smoothly. This guide will provide essential information on what to do if you are in an accident.
1. Car Insurance is Essential in Saudi Arabia
In Saudi Arabia, having car insurance is mandatory for every driver. It’s the law! Insurance is crucial as it covers damages in the event of an accident. If you are involved in an accident, there are specific protocols to follow, particularly if one or both vehicles are insured.
The Najm service, established in 2007 by the Saudi Central Bank (SAMA) and the General Department of Traffic (Muroor), was designed to assist in managing accidents, reporting damages, and processing insurance claims.
2. Steps to Take Immediately After an Accident
Your safety should be your top priority after an accident, regardless of its severity. Here’s what you should do:
Check for Injuries: Ensure that no one is injured. If there are injuries, call emergency services immediately (997).
Move to a Safe Location: If the accident is minor and there are no injuries, relocate your vehicle to a safe area to prevent obstructing traffic. If the accident is serious, remain at the scene and wait for assistance.
3. Turn Off Your Vehicle & Activate Hazard Lights:
Switch off your engine and turn on your hazard lights to alert other drivers.
Set Up a Warning Triangle: If you have a reflective triangle, place it behind your vehicle to warn approaching drivers, ensuring it’s positioned far enough away to be effective.
3. Call Najm for Help: If one of the vehicles involved in the accident is insured, it’s important to contact Najm. They will assist you in reporting the accident and managing the insurance claim. You can reach Najm through: Phone: Dial 920000560.
Najm App: Download the app on your Apple or Android device to report the accident, monitor your claim, and receive assistance.
Najm will dispatch someone to the scene of the accident to assess the damage and prepare a report that you will need for your insurance claim.
4. Take Photos and Gather Information
While you wait for Najm, be sure to document the accident. Here’s what you should do:
Take Pictures: Capture clear images of the accident from various angles, including all vehicles involved and any relevant road signs.
Get Your Documents Ready: Have your driver’s license, car registration, and insurance information available to show the Najm team.
Explain What Happened: When speaking with the Najm officer, provide a clear account of how the accident occurred.
After your report is submitted, you will receive a text message with the case details. You can track the status of your claim using the Najm app. Once everything is finalized, the official report will be sent to your insurance company.
5. What to Do in Serious Accidents or If Cars Aren’t Insured
If the accident is more serious or if neither car is insured, you’ll need to take different steps:
Call Muroor: Reach out to the General Department of Traffic (Muroor) at 993 to report the accident.
Call for Help: If anyone is injured, call 997 for medical assistance immediately.
Stay Safe: Similar to minor accidents, turn on your hazard lights, set up a reflective triangle, and if possible, move your vehicle to a safe location.
Wait for Authorities: Remain at the scene until the police or authorities arrive, as leaving could result in legal issues.
6. Important Safety Tips for Drivers in Saudi Arabia
Never Leave the Scene: Departing the accident scene without reporting it is illegal and may result in fines or other consequences.
Always Be Prepared: Keep a first aid kit, fire extinguisher, and a reflective triangle in your vehicle at all times.
In Case of a Fire: If your car catches fire, stop immediately, turn off the engine, exit the vehicle, and use a fire extinguisher (not water) to extinguish the flames.
Drive Carefully in Bad Weather: Saudi Arabia frequently experiences sandstorms or heavy rain, which can make driving hazardous. Exercise extra caution in these conditions.
7. After the Accident: What Happens Next?
Once Muroor permits you, the insurance process kicks off. If you have full (comprehensive) insurance, it will take care of both your vehicle and any damage to the other car. However, if you only have third-party insurance, it will only cover the other driver’s vehicle, leaving you responsible for the repairs.
Be sure to keep all documents related to the accident, such as the Najm report, repair invoices, and any correspondence with your insurance provider. These records will be essential if you encounter any issues or delays.
8. New Updates for 2024
In 2024, Najm simplified things by enhancing their app. You can now report accidents, monitor your claim in real time, and even locate the nearest Najm office, all through the app. This upgrade streamlines the entire process.
Final Tips
Understanding what to do after a traffic accident in Saudi Arabia can help you stay safe, avoid legal complications, and ensure your insurance claim is processed efficiently. By following these steps, you can remain composed and resolve everything as quickly as possible.
