Najm Insurance Service and Accident Evaluation in Saudi Arabia (Comprehensive Guide 2025)
Right after an accident, the way you handle the report can save time and money.
Najm is the official company responsible for evaluating traffic accidents, documenting reports, and connecting insurance companies with the traffic authority.
Its mission is simple: make post-accident procedures smooth, fast, and reliable for every driver in the Kingdom.
What Is Najm?
Najm for Insurance Services was founded in 2007 as a joint initiative between the Saudi Central Bank (SAMA) and the insurance sector.
Its purpose was to make accident reporting easier and reduce the need for police attendance in minor cases.
Operates in more than 40 Saudi cities
24/7 on-ground field teams
Electronic reporting system linked to insurance companies and traffic authorities
Najm is now the go-to service for accident reporting across Saudi Arabia.
Najm Services for Drivers
Minor accident handling: Field agents arrive on-site to document the incident and issue reports.
Electronic damage assessment: Inspectors take photos, record details, and upload data instantly.
Insurance claim management: Drivers submit claims online without visiting branches.
- Extra services:
– Towing damaged vehicles
– Accessing old reports online
– Taqdeer integration for repair cost estimation
How to Report an Accident with Najm
Step 1: Ensure Safety
Stop in a safe spot, turn on hazard lights, and check everyone’s condition.
Step 2: Contact Najm
Call 920000560
Or use the Najm mobile app
Step 3: Pin Your Location
A Najm officer arrives quickly using GPS tracking.
Step 4: Document the Accident
The officer takes photos, gathers names, IDs, plate numbers, and insurance details.
Step 5: Receive the Report
The official report arrives within 24 hours by SMS or through the Najm website or app.
ابحث عن سيارة أحلامك الآن!
استكشف آلاف السيارات الجديدة والمستعملة بأفضل الأسعار. تصفح، قارن، واشتري بكل سهولة من خلال منصة كارلي الموثوقة.
Using the Najm Mobile App (2026 Update)
The latest Najm app upgrades make reporting faster and more accurate.
Main Features
File accident reports electronically
Track status in real time
Download reports instantly
GPS location accuracy
Full insurance claim submission
How to UseLog in with your phone number or Absher account
Choose “New Accident Report”
Capture clear photos
Enter both parties’ insurance details
Submit the report and receive confirmation
Your official report will be sent by email and stored in the app.
After Getting the Najm Report
You can continue the process in three clear steps:
- Submit your insurance claim: Upload the Najm report and your documents through your insurer’s website.
- Estimate repair costs: Najm connects the case with a Taqdeer center for evaluation.
- Repair your car: Take your vehicle to an authorized workshop once the claim is approved.
Najm and Carly: A Smarter Post-Accident Solution
Najm gives you the official accident report. Carly tells you the full story of the car after the incident.
Identifies hidden repairs or replaced parts
Confirms mechanical and safety status
Builds trust when buying, selling, or financing a vehicle
Use Carly’s website or the Carly app before making any major decision.
Does Najm handle all accidents?
No. Najm handles only minor accidents with no injuries. Major cases go to traffic police.
How long does it take to get the report?
Usually within 24 hours. It may take longer in busy areas.
Is Najm free?
Yes. All insured drivers can use Najm for free.
Mithunmollah
February 4, 2026 at 8:20 pmI am Saudi Riyadh accident but not coming my insurance money how can take my money
فريق كارلي
June 10, 2026 at 10:34 amWe’re sorry to hear about your situation. To follow up on your insurance claim after an accident in Saudi Arabia, we recommend: 1) Contacting your insurance company directly using the number on your policy document, 2) Visiting the nearest Najm center in person with your accident report, 3) Filing a complaint through the Saudi Central Bank (SAMA) at complain.sama.gov.sa if the issue persists. Please note that claim timelines may vary depending on your case and the insurance company’s procedures. We hope your matter is resolved quickly!
Yasir javed
March 7, 2026 at 6:46 amI have met an accedent on al kharj road no one is responding on najm helpline and also police station is not responding i am waiting here from 4 hours
فريق كارلي
June 10, 2026 at 10:34 amنأسف لسماع ذلك وآمل أن تكون بخير. في حالة عدم استجابة نجم، يمكنك التواصل مع شركة التأمين مباشرةً عبر الرقم الموجود على وثيقة التأمين، أو التوجه لأقرب مركز شرطة لتسجيل الحادث. لمزيد من التفاصيل حول خطوات التعامل مع حوادث الطريق في السعودية، اطلع على المقال المرتبط. نتمنى لك السلامة.
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