Accident in Saudi Arabia What to Do Step by Step Najm, Photos, Report, Insurance

A road accident is stressful anywhere, but in Saudi Arabia the process is actually quite structured once you know what to do. Most small crashes are handled through Najm, and the report is what your insurance company will ask for first.

This guide walks you through the exact steps to follow, what photos to take, how the Najm report works, and how to move forward with insurance without delays.

Accident in Saudi Arabia what to do immediately

1. Stay calm and move to a safe spot
   If the cars are blocking traffic and it is safe to move them, pull over to the side. Turn on hazard lights and make sure everyone is okay.
2. Check for injuries first
   If anyone is injured, do not rely on Najm. Call emergency services immediately and wait for Traffic Police.
3. Do not argue or accept cash deals
   Even if the damage looks minor, always follow the official reporting process. Insurance claims depend on having a proper accident report.
4. Take clear photos right away
   Before anything changes, photograph everything. This will help Najm and your insurer.

When to call Najm vs Traffic Police

Najm is the official accident reporting service in Saudi Arabia for insured traffic accidents. They document the crash, assess damage, and issue the report used for insurance claims.

Call Najm if

1. The accident is minor
2. No one is injured
3. At least one vehicle has valid insurance
4. Both drivers are present

Traffic Police should be called instead if

1. There are injuries or death
2. There is fire or a major dangerous situation
3. One driver has no insurance
4. The accident involves a hit and run or criminal issue

This separation is widely confirmed in Saudi driving and insurance guidance.

Step by step checklist at the accident scene

Here is the practical on the ground process that drivers in Saudi Arabia usually follow.

Step 1 Call Najm as soon as possible
You can report through the Najm app or their official service portal. Najm will dispatch an agent to your location for eligible cases.

Step 2 Collect the other driver’s details
Make sure you have

1. Plate number
2. Insurance company name
3. Mobile number
4. Iqama or ID details if needed

Step 3 Take the right photos
Najm and insurers typically expect

1. Both vehicles from multiple angles
2. Close ups of damage
3. The accident location and road context
4. Plate numbers clearly visible
5. Any skid marks or surrounding evidence

Step 4 Wait for the Najm agent
The Najm officer will

1. Inspect the vehicles
2. Document the scene
3. Assign fault percentage
4. Generate the accident report number

Do not leave before the case is officially logged.

How the Najm accident report works

The Najm report is the core document required for Saudi insurance claims. It links accident details directly with traffic and insurance systems, helping claims move faster.

Once the report is issued, you will receive

1. A case number
2. Liability or fault decision
3. Instructions for the next insurance step

For more everyday Saudi life guides like this, you can browse the practical driving section on KSA Buddy.

What to do next for insurance

After you get the Najm report number, the insurance process becomes much easier.

Contact your insurance company
Provide the Najm case number immediately.

Visit an approved repair or assessment center
Depending on the insurer, you may be directed to a workshop or evaluation service.

Submit required documents
Most companies request

• Najm accident report
• Vehicle registration (Istimara)
• Driver’s license
• Insurance policy details
• IBAN for compensation if needed

Follow up through the insurer portal
Many Saudi insurers now process claims digitally once the Najm report is active.

Absher support for some minor accident services

Saudi authorities have also expanded support through Absher, including services related to accident documentation and reporting for certain cases. You can check the Ministry of Interior Absher traffic services directly inside your account.

Common mistakes that delay claims

Avoid these issues, as they are the most common reasons claims get stuck

1. Leaving the scene before Najm arrives
2. Forgetting to photograph both cars clearly
3. Reporting late to insurance
4. Trying to settle privately without documentation
5. Calling Najm when the case requires Traffic Police instead

FAQ