Claim compensation for car accidents
In a world of sudden accidents and emergency situations, the procedures for claiming compensation for car accidents in Saudi Arabia are a pivotal step that should not be underestimated, as these procedures determine whether the injured party will obtain his full rights or will be lost in the labyrinths of delay and complexity. Claiming compensation is not just a financial request, but rather a legal battle managed with skill and precise knowledge of traffic and insurance laws and regulations, which requires specialized legal expertise to ensure that rights are recovered without infringement.
Procedures for filing a compensation claim for a car accident in Saudi Arabia
To properly file a traffic accident compensation claim legally, you must begin by collecting basic evidence that proves the incident and supports the claim. At the forefront of these steps, an official report is obtained from the competent authority detailing the incident in detail, along with documenting the damages with clear photographs, if possible, to support the lawsuit file.
Next, it is advisable to review the insurance policies of the injured party and the responsible party, understand the coverage conditions and limits, and contact the insurance company to obtain clarifications about the compensation mechanism and the application of the terms.
This is followed by accurately identifying who is responsible for the accident, then assessing the financial and physical damages to estimate the value of possible compensation. All supporting evidence must be collected, such as:
Medical reports showing injuries resulting from the accident
Witness testimonies, if any
Repair papers or workshop estimates
Any other documents proving the extent of the damage
In the final stage, the legal claim is prepared and officially submitted to the competent court, accompanied by all relevant documents and evidence, to begin the process of judicial consideration of the case in accordance with the regulations in force in the Kingdom.
Claim compensation for car accidents
Documents and evidence required to file a car accident claim
Documents and evidence required to file a car accident claim
The most important documents that should be prepared and submitted in an order that ensures the strength of the lawsuit file:
An official report issued by the competent authority (traffic department or police), including all details of the accident in terms of location, parties, responsibilities, and type of damage. This report is a basis approved by judicial authorities and insurance companies.
Clear images of the accident site and damage to the vehicle are used as strong visual evidence to support your claim and clarify the circumstances of the accident during an investigation or dispute.
A copy of the national identity or residence of the party to the lawsuit, in addition to the driver’s license of all parties involved in the accident, in order to verify identity and document the relationship between people and vehicles.
A valid insurance policy and vehicle registration form help prove vehicle ownership and the type of insurance coverage applied to determine the insurance company’s liability for compensation.
After preparing these documents, you can file a lawsuit through the local traffic department or via digital means such as the We Are All Security application or the Najez platform, depending on the type of procedure required.
How to file a traffic lawsuit through the Najez platform
This can be completed through the following steps:
Log in to your personal account on the Najiz platform using national access data
List of electronic services, from which choose the judicial service.
Go to the lawsuit newspaper service, and click New Request.
Box “Main Category” Choose General, and in “Subcategory” select Traffic.
Select the claim type as “Special Right Resulting from a Traffic Accident”, then press “Next” to go to the request page.
Add the parties to the lawsuit, where all data related to the plaintiff and defendant must be entered, specifying the exact location of the accident, and entering information about reconciliation records or previous attempts at settlement, if any.
When you reach the order editing stage, make sure:
Write all requests clearly within the text of the lawsuit
Determine the competent court to which the case will be filed
Enter the subject matter data in detail
Attach documents and legal evidence supporting the application
After reviewing all the data and ensuring its accuracy, send the application electronically to be transferred directly to the competent court.
To ensure the integrity of the legal steps and the strength of the regulatory wording, it is recommended to seek the assistance of the Office of Lawyer Abdul Majeed Al Rashid for Law and Legal Consultations, where the competent lawyer prepares and formulates the complaint in a precise legal manner, and submits it officially through Najez, with continuous follow-up of all stages of the case until the issuance of the ruling and the implementation of compensation.
Claim compensation for car accidents
Punishment for hitting a person with a car in Saudi Arabia
After learning about the mechanism for filing a traffic accident lawsuit through the Najez platform, it is important to discuss the penalties prescribed in the event that a person is hit by a car, especially if the accident results in serious damage. Article 62 of the Saudi Traffic Law stipulates that any person who causes a serious traffic accident through encroachment or negligence, the result of which is the death or loss of an organ or the disruption of his benefit or part thereof, shall be punished with imprisonment for a period not exceeding four years, or a financial fine not exceeding 200 thousand Saudi riyals, or a combination of the two penalties, without prejudice to what is decided in the private right.
In terms of judicial jurisdiction, filing a traffic accident lawsuit falls within the jurisdiction of (traffic departments affiliated with the General Courts), which are judicial departments competent to consider all lawsuits arising from traffic violations or accidents, in accordance with what is stipulated in the Saudi Traffic Law and its executive regulations. However, if the incident is related to the use of alcohol or a narcotic substance, jurisdiction shifts to the criminal court, considering that the incident carries a criminal description that goes beyond mere traffic error.
The Public Prosecution has clarified that incidents that result in public rights require immediate direct action from the competent authorities, as preliminary procedures are initiated immediately after the incident occurs, and the incident file is referred to the Public Prosecution in accordance with what is stated in the Criminal Procedure Code and its executive regulations, to ensure the preservation of both public and private rights.
Types of legal cases resulting from car accidents
Cases resulting from car accidents in the Kingdom of Saudi Arabia include a wide range of legal disputes that affect multiple aspects, including those related to violations, compensation, insurance, and may even extend to criminal liability in serious accidents. These issues require careful handling and a comprehensive understanding of traffic regulations and insurance regulations. The most prominent of these issues are:
Traffic accident cases and compensation claims
It is one of the most common and complex issues, as it requires determining liability between the parties involved, and calculating the error rate accurately, in preparation for obligating the party causing the compensation resulting from material or physical damages.
Issues of objection to traffic violations
Many drivers are exposed to violations that may result from an error in automated monitoring or exceptional circumstances, which opens the way for legal objections to be submitted to the competent authorities to cancel or amend the violation, based on the evidence provided.
Insurance disputes related to traffic accidents
These issues arise when compensation payments from insurance companies fail, whether due to a dispute over the error rate, the company’s refusal to cover, or delayed procedures. Here, the injured party resorts to the judiciary to claim his insurance dues in accordance with the approved insurance document.
Legal liability in serious accidents and deaths
It is one of the most serious cases, as it is dealt with in accordance with the criminal system, and includes accidents that result in serious injuries or deaths, and the responsible driver is subject to strict legal procedures, which may reach imprisonment or large financial fines, in addition to special compensation and public rights.
Dealing with these cases requires a thorough understanding of traffic and insurance legislation in the Kingdom. It is always preferable to seek the assistance of a lawyer from the Abdul Majeed Al Rashid Law Firm and Legal Consultations, who specializes in ensuring the protection of rights and providing the strongest legal defense at all stages of the case.
Traffic procedures after an accident without insurance
In the event of a traffic accident in which one of the parties does not have valid insurance, the procedures followed vary slightly, but remain organized and carried out according to clear steps to guarantee rights, and include the following:
Immediate communication with the Traffic Department to document the accident and assess the damage in the field by the competent authorities.
Receiving an official notification issued by traffic stating the extent of the damage and losses resulting from the accident.
Go to a traffic-approved workshop or accident delivery center (such as the one in Riyadh) to issue a technical report that accurately estimates the value of the repair.
Visit the compensation center of the other party’s insurance company (if he has valid insurance), but if there is no insurance, the traffic center is reviewed to complete the procedures.
Receiving the compensation amount either from the insurance company via a direct bank transfer to the personal account, or through the traffic center if the entity concerned delivers the amount.
These steps are necessary to ensure that the injured party obtains his financial right even in the absence of insurance, and it is always recommended to keep all documents and reports, and seek the assistance of a competent lawyer to ensure that the procedures proceed smoothly and legally.
Comprehensive insurance procedures after the accident in the event that the fault lies with the other party 100%
If you are involved in a traffic accident and have comprehensive insurance, especially in cases where the fault lies entirely with the other party, it is essential to follow clear regulatory steps to ensure you receive your full compensation without delay or complexity.
First, the accident must be reported immediately, depending on the type of insurance:
If you have comprehensive insurance, reporting is done through Najm Company via app or phone.
In the absence of insurance, the accident can be reported directly through traffic.
To complete the procedures correctly through the Najm claim filing method for comprehensive insurance holders, follow the following:
Call Najm by phone or register the report via the Najm mobile application.
You will receive a formal claim notice, which includes your referral to an “estimate” center to inspect the vehicle and determine the extent of the damage.
Go to an authorized assessment center to inspect the vehicle and obtain an official report on the repair cost.
After the report is issued, visit the insurance company’s compensation center.
Submit the estimate report and attach your bank account number to receive compensation.
You will receive a repair approval sheet, after which you will either be paid the compensation due or directed to an approved repair shop depending on the type of your insurance policy.
Strictly following these procedures ensures that you preserve your full rights, whether the accident was minor or caused significant damage. It is always advisable to contact a specialized legal entity to review documents and provide legal support when needed.
I had an accident and I have comprehensive insurance. What do I do?
Many people wonder: “I had an accident and I have comprehensive insurance, what should I do?” — The answer begins from the moment the accident occurs, as you must act according to precise legal steps that guarantee your rights and prevent you from falling into a violation that may expose you to accountability in the future.
The first thing you should do is contact the relevant security authority to officially document the incident, then check with your insurance company and go to its compensation center to begin the procedures.
The basic steps that must be followed to complete a compensation claim in the event of comprehensive insurance:
Providing the national ID and driving license of the vehicle owner.
Submit the original copy of the accident report accompanied by a traffic-approved sketch.
Document damage through clear photos of the damaged vehicle.
Attach three estimated reports from accredited workshops, along with an original copy of the vehicle spare parts price estimate.
Provide the bank account number to receive the compensation amount after approval.
If the accident results in injury or death, you can file a separate claim for bodily harm based on medical documents or legal instruments.
Here, the importance of hiring a lawyer specializing in traffic cases and compensation emerges, not only to ensure that legal procedures proceed properly, but also to protect you from any loopholes that may be exploited against you.
Accident injury compensation in Saudi Arabia
Traffic accidents in the Kingdom of Saudi Arabia cause multiple damages, ranging from physical to material losses, and the party causing the accident is always held responsible. In return, the injured party can claim compensation according to the type of insurance and the scope of its coverage, as insurance companies play a key role in compensating for losses if insurance coverage is available.
If the injured party has valid insurance, the insurance company will compensate him for his physical and material injuries, repair the vehicle, or pay for treatment, depending on the terms of the policy. If the vehicle is compulsorily insured, the company will pay direct financial compensation to the injured party commensurate with the type of damage.
In the case of comprehensive insurance for personal or commercial use, the insurance company will repair the car in an approved workshop, or compensate its owner financially, as the case may be. The compensation may include covering theft damages according to the market value of the vehicle, provided that the maximum compensation does not exceed 10,000 Saudi riyals.
For compensation from third parties (whether friends, relatives, or any other injured party), the insurance policy covers:
Repair their vehicle or compensate them for its value
Physical damage such as injuries and deaths
Losses resulting from the accident, whether material or human
These compensations are usually paid through a bank transfer or bank check from the insurance company of the party causing the accident
Therefore, insurance is an essential means of protection for anyone who owns a vehicle within the Kingdom, and it is always recommended to choose the most appropriate insurance policy that guarantees comprehensive coverage in the event of any emergency.
Objection to the accident assessment report
In accordance with the provisions of the traffic system adopted in the Kingdom of Saudi Arabia, an official report is issued by the General Traffic Department or the relevant authorities after any traffic accident occurs, including details of the incident, an estimate of damages, and determining the percentage of error between the parties involved.
However, do you have the right to object if you feel there is injustice or error in the report?
Answer: Yes, the system has the right to object to the accident assessment report, if there are logical reasons or evidence proving an error in determining liability or in assessing damages. The objection is considered by the competent authority for re-evaluation, according to the source of the report (pass – star – evaluation center).
For an objection to be admissible, the application must include the following basic elements:
Personal data of the objecting party: full name, address, postal code, mobile number, and email.
If submitted through an agent: The agent’s legal information must be attached accurately.
Explaining the reasons for the objection supported by evidence: with a detailed explanation of what was objected to, whether in the percentage of error or the extent of the damage.
A clear statement of the purpose of the objection: whether to request a reassessment or a review of legal liability.
To ensure that the objection is accepted and formulated in a professional legal manner, it is best to – seek the assistance of a lawyer specializing in traffic accident cases.
Claim period after the accident
Claim period after the accident
When a traffic accident occurs in the Kingdom of Saudi Arabia, two types of legal rights arise:
Private right, which concerns the person affected by the accident and gives him the right to claim compensation.
Public right, which means the state’s right to hold the perpetrator of an accident accountable to ensure the maintenance of public order and road safety.
According to Article 61 of the new Saudi Traffic Law and its executive regulations, accidents that entail a public right are classified as serious accidents that require immediate official action from the competent authorities, including:
Open an immediate investigation by traffic or the competent security authorities.
Collecting evidence and documenting the circumstances of the accident.
Officially notify the Public Prosecution of the course of the incident.
Submit the case file to the relevant authorities, in accordance with the provisions of the Saudi Code of Criminal Procedure.
In cases that only entail a special right (such as minor damages without injuries or deaths), the person responsible for the accident shall be detained for a period not exceeding 24 hours, unless he provides financial or in-person bail that guarantees his obligation to pay compensation and settle the dispute with the injured party.
The general right is automatically activated in incidents to which any of the following cases apply:
The presence of serious injuries or deaths.
The perpetrator fled the accident site.
Driving under the influence of alcohol or drugs.
Repeated serious violations or reckless driving.
Any other behavior that poses a threat to traffic security or public safety.
In such cases, it is not necessary to file a complaint against the injured party, but rather the relevant authorities will take action to maintain public order and hold the person responsible accountable.
How to inquire about a traffic accident using an ID number in Saudi Arabia
Citizens and residents of the Kingdom of Saudi Arabia can now easily inquire about traffic accidents recorded on their vehicles using their national ID number or residence number, through electronic services provided by the relevant government agencies such as the General Traffic Department and the Ministry of Interior via the Absher platform.
To do this, follow these steps:
Access the Absher electronic platform
Log in using your username and password.
From the main menu, choose “Vehicle Services” and then go to Service “Traffic Accident Inquiry”.
Enter your national ID number or residence number, as well as your plate number or chassis number, if available.
Press the “View” button, and you will see all the details of the recorded incidents, including the date of the incident, its type, location, and legal status.
This service enables you to track the traffic record of your vehicle or vehicles registered in your name, and ensure that they are free of accidents or associated legal consequences, which is especially necessary when selling a car or buying a used vehicle.
The new accident assessment system in Saudi Arabia
The relevant authorities in the Kingdom of Saudi Arabia launched the new accident assessment system with the aim of raising the efficiency of assessing damage resulting from traffic accidents, achieving transparency and accuracy in damage reports, and reducing cases of manipulation or random estimates that previously disrupted the disbursement of compensation.
This system relies on licensed and approved assessment centers from traffic and insurance companies, managed according to unified technical controls, and in which advanced technical tools are used to identify damages and estimate the actual repair value with high accuracy.
The most prominent features of the new “estimate” system
Achieving justice between parties through impartial reports based on technical standards and not individual jurisprudence.
Saving time and effort, as assessment centers, insurance companies, and traffic management are linked electronically.
Speed in issuing reports, as the injured party receives an official report within a short time that can be submitted directly to the insurance company.
Reducing legal disputes resulting from inaccurate estimates or unapproved workshop estimates.
Ability to follow the report electronically via the official platform
The conclusion
Knowing your legal rights and taking the right steps in car accident compensation claims is what makes the difference between fairness and disregard. Do not let the complexities of the procedures or the procrastination of the authorities cause you to lose your right, but rather adhere to your legal right and seek appropriate professional support.
Frequently Asked Questions
How can I file a lawsuit in traffic court?
To file a traffic lawsuit in court, log in to the Najez platform using your national access account, then go to the electronic services section, and choose the judiciary package. Next, go to the lawsuit newspaper service and press “Submit a new application”.
Enter the lawsuit classification (general – traffic), then enter all data related to the lawsuit and its parties, attach all required documents such as reports, photos, and evidence, then click “Submit Request” to complete the procedures.
How do I file a lawsuit against someone who hit my car?
The competent authorities explained that filing a lawsuit against a person who caused a traffic accident is done through the Najez platform, where the injured party or his legal representative enters the platform and follows the steps for filing a lawsuit as described above. This requires an official report on the accident, documentation of damages and supporting documents to properly file a legal claim.
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