What happens if you have an accident with a leased car in KSA?

Effectively managing traffic accidents is key to reducing their impact, and this holds true for rental car accidents in Saudi Arabia. This guide outlines essential steps to take when dealing with a rental car accident in the Kingdom. The process starts with prioritizing the safety of all parties involved, followed by contacting emergency services when necessary and concluding with the completion of all legal procedures.

Handling a rental car accident in KSA: a step-by-step guide

Regardless of the accident's nature—whether it is a minor fender bender, a serious crash, or involves colliding with another car or objects like poles, trees, or rocks—be sure to follow these essential steps:

Reporting the accident to traffic authorities

Contact the Saudi Traffic Police at the unified number 993 to report the accident.

Contacting Najm company

• Report the accident to Najm: Najm specializes in evaluating traffic accidents and facilitating settlements between involved parties. To report an accident, contact them directly at the hotline 199033 or via the Najm app, available on both Android and iOS.
• Provide essential information: when you connect with a Najm customer service representative, be ready to provide crucial details, including your name, ID number, phone number, car plate number, car type, insurance policy number, insurance provider's name, and the accident's location.
• Document the accident thoroughly: utilize the Najm app to capture photographs of the accident from various angles, ensuring a complete overview of the scene.
• Save your case number: after submitting your report, you will receive a case number. It is important to note and store this number for tracking the progress of your claim.

Photographing the accident with your smartphone

Using your mobile phone to capture the accident from multiple angles is essential for effective record-keeping. The images and videos not only protect your rights but also safeguard the rights of others involved. These recordings can play a pivotal role in resolving disputes, whether with insurance companies or rental car agencies, ultimately facilitating a more efficient claims process.

Contacting the car rental company

When renting a car in Saudi Arabia, it is vital to notify the rental company immediately after an accident and upon receiving the accident report from Najm.

This action protects the hirer from potential legal liabilities that may stem from a failure to report the accident. The time and date of this notification mark the official termination of the rental agreement. Furthermore, coordinating with the car rental company to return the car promptly to the nearest branch is essential.

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Reviewing the insurance contract terms

Insurance contracts vary significantly, each outlining specific obligations based on the chosen coverage for rental cars. The following points clarify these types and their associated responsibilities.

Third-Party Insurance

Third-party insurance, commonly known as liability insurance, is mandatory for all cars. This coverage protects against damages incurred by another party if the hirer is at fault in an accident, while the hirer remains liable for any damage to the rented car. In cases where the other party is responsible for the accident, they will be accountable for the related costs and compensations.

Comprehensive Insurance

Comprehensive insurance requires a deductible of 1,500 to 3,000 Saudi Riyals for hirers at fault in an accident. After the deductible is met, this insurance will cover the remaining costs associated with the damages.

It is important to note that insurance companies are exempt from paying compensation in the following situations:

• Accidents occurring while driving under the influence of alcohol or drugs.
• Accidents arising from the driver's deliberate negligence, as recorded by traffic police.
• Accidents that happen after the rental contract has expired.
• Use of the car by an unauthorized individual in violation of the rental agreement.
• Damage to the car resulting from natural disasters or acts of war.

Be prepared: tips for handling accidents

The moments immediately following a car accident can be terrifying and overwhelming. Nevertheless, remaining calm and composed is essential to minimize potential consequences. Here are key steps to take after an accident:

• First and foremost, prioritize your safety and that of any passengers in your car.
• Next, turn off the engine and activate your hazard lights. 
• Before exiting the car, assess your surroundings to ensure it is safe; do not leave the car if it poses any danger.
• If it is safe to do so, place a warning triangle at a sufficient distance from the car to alert oncoming traffic.
• In the case of another car being involved, check on the safety of its occupants. If there are any injuries, do not hesitate to contact emergency services.