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Monday, 9 June 2014

Procedure of Claiming Insurance after Accident

Saudi Arabia is one of those places where accident ratio is very high so you should never ever even think to drive your car without auto insurance. According to Arab News, 19 people die daily in Saudi Arabia due to road accident. It means 1 out of every 86 persons die in Saudi Arabia every 5 years due to road accidents in Saudi Arabia. If you meet with any accident, you will have to go through a certain procedure. You cannot move your vehicle unless someone from traffic police or Najm as the case may be comes to establish the responsibility. I have explained the procedure you need to adopt in case of accidents in this article. If Najm establishes the mistake of other party to the accidents, or even if it is your mistake but you have comprehensive insurance of your vehicle, you will have to claim insurance. Here we shall provide step by step process of claiming insurance after accident.


  1. If you are intending to complete all the process on the same day, I would recommend you to go to the insurance company first and get a token from there. Normally, people have to wait for 5,6 hours after completing all the below mentioned procedure. If you take token from there, you will save your time and complete the other process in the meantime.
  2. First of all, you need to go to the traffic police department (Maroor). You will have to pay some amount of fine if you go to traffic police station 7 days after the accident. You will have to present the paper given to you by Najm. You may have to present your Iqama, driving license and vehicle registration to them. You will have to go to the nearest traffic police station where accident took place. I went to another traffic police station and he referred me to the office in the area where accident took place. Traffic police station will stamp the paper from Najm.
  3. After this, you will have to go to the maintenance shop approved by the Traffic Police Department. It is called “Sheikh Warash” maintenance shop. An officer will examine your vehicle and give you a slip stating the level of service charges and list of spare parts required to repair your vehicle. The location is given at the end of the article.
  4. In case of total loss of vehicle, "Sheikh Warash" recommends the driver to go to the "Sheikh Muarad".
  5. They will direct you to spare parts shops from where you can get three quotations of spare parts required for repair. You cannot go to any spare parts shop; you will have to go the spare parts shop suggested by the “Sheikh Warash”. He charges around SR 50 for quotations.
  6. After this, you will have to go to main office of the "Sheikh Warash". It is actually a small office. They will list down the service charges and amounts mentioned in 3 quotations on a comparative table. This comparative table is printed and stamped by them.
  7. Next step is visiting the insurance company’s office to submit all the documents. Due to large number of accidents, offices of insurance companies remain very crowded. You will have to submit all the documents there. It will take around 5-6 hours. After collecting the papers, they will estimate the amount to be paid and take your signatures over it. They will give you an appointment to collect the cheque from them after 3 weeks. Make sure you have all these documents to submit to them.
    • Najm Certificate approved by the Traffic Police
    • Copy of Iqama
    • Copy of Driving License
    • Copy of the Vehicle Registration
    • Copy of the Insurance if it is comprehensive insurance
  8. It is better to go there after 4 weeks of the day you submitted documents with the receipt they have provided to you to collect “pay order” from them. Deposit this pay order into your bank account and it will take a couple of days for the amount to be credited to your account.



Auto Insurance
  1. Claiming Insurance after Traffic Accident
  2. Vehicle Insurance in Saudi Arabia
  3. Check Expiry of Vehicle Insurance
  4. Car Owners can get Partial Refund of Insurance Policy on Sale of Vehicle
  5. Process to get Car Insurance through Al Rajhi Takaful

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