Najm in KSA Explained When to Call and What Happens Next

If you drive in Saudi Arabia, knowing what does Najm do in KSA can save you a lot of stress after an accident. Najm is the official accident reporting service for insured vehicle accidents, and in most minor crashes, it is the first call you make instead of waiting for traffic police.

This guide explains, in simple terms, when to call Najm, what they handle, and what you should do at the scene so your insurance process stays smooth.

What is Najm in Saudi Arabia?

Najm is a centralized accident reporting service used across Saudi Arabia for car accidents involving insured vehicles. It was created to make accident documentation faster and to connect drivers directly with insurance companies through a unified reporting system.

In practical terms, Najm officers come to the accident location, document what happened, take photos, and issue an official accident report that is used to start insurance claims.

Najm is widely considered the standard first step for insured accident cases in Saudi Arabia najm official accident reporting page

When to Call Najm After an Accident

In most everyday road accidents, Najm is the right service to contact first.

You should call Najm if

• The accident is minor and there are no injuries
• Both vehicles are insured
• The cars can be safely moved to the side of the road
• You need an official accident report for insurance
• You want the fastest way to start the claim process

Najm’s role is mainly to record the accident details clearly so insurance companies can decide liability and begin repairs or compensation.

For more step by step Saudi driving and daily life guides, you can also check this helpful resource from KSA Buddy.

When You Should Call Traffic Police Instead of Najm

Najm is not for every situation. Some cases require immediate police or emergency involvement.

Call Traffic Police (Muroor) or emergency services if

• Anyone is injured or needs medical help
• There is a fire or serious danger on the road
• The accident involves a hit and run
• One of the drivers does not have valid insurance
• There is a major dispute or unsafe situation at the scene

In these situations, the authorities handle the case directly, and Najm may become secondary.

What Happens After You Call Najm?

If your accident qualifies for Najm handling, here is what usually happens next

Step 1 You report the accident by phone or through the Najm app

Step 2 A Najm officer is assigned and arrives at the location

Step 3 The officer takes photos, checks documents, and records statements

Step 4 Najm creates an official accident report linked to your insurance file

Step 5 You use that report number to continue your insurance claim online

This process is designed to reduce delays and avoid unnecessary police visits for small accidents.

What You Should Have Ready at the Scene

To avoid delays, keep these basics ready

• Your iqama or national ID
• Vehicle registration (Istimara)
• Insurance details
• Accident location information
• Clear photos of the damage, if safe

Also, try to stay calm and do not argue on the roadside. Najm’s job is to document, not negotiate.

Quick Tips to Make the Process Easier

• Save Najm’s number in your phone before you need it 920000560
• Move your car only if it is safe and allowed
• Do not leave the accident scene before reporting
• Always keep your insurance valid and updated
• Check the Najm report carefully before submitting your claim