Immediate Steps After a Traffic Accident
What you do in the first minutes after an accident directly affects the strength of your later claim: documenting the accident scene with photos, obtaining a Najm or police report, and exchanging insurance information with the other party. Any delay or negligence in these first steps can weaken your position when later negotiating with the insurance company.
The Traffic Report (Najm) and Determining Fault Percentage
The Najm report is the core document determining fault percentage between accident parties, and this percentage directly affects the compensation amount due. We help clients review this report and object to it if it assigns them an unfair fault percentage based on the accident's actual facts.
Compensation for Material Vehicle Damage
Compensation includes the vehicle's actual repair cost, and its downtime value during the repair period if used for commercial or work purposes, and we help clients fully document these costs to ensure their coverage in the claim.
Compensation for Bodily Injuries From the Accident
When the accident results in bodily injury, compensation includes treatment costs, the period of inability to work, and additional moral damage compensation in serious injuries. We help clients fully document these damages, not settling for just the apparent immediate costs.
Negotiating With the Insurance Company Before Escalating to Litigation
Most traffic accident claims are resolved through direct negotiation with the responsible insurance company, and we help clients realistically assess any settlement offer, avoiding acceptance of an amount far less than the actual damage warrants.
When the Insurance Company Denies the Claim
The insurance company may deny the claim entirely or partially citing various grounds, such as exceeding coverage scope or a specific policy exclusion. We review the denial's reasons and help clients appeal before SAMA's insurance dispute committee if the denial is unjustified.
Collision Accidents With Uninsured Vehicles
When the party causing the accident lacks valid insurance, the claim becomes more complex and may need turning to the Traffic Accident Victims Compensation Fund, and we help clients understand this alternative path and meet its requirements.
Fatal Traffic Accidents and Compensation for the Deceased's Family
In fatal accidents, we represent the deceased's family in claiming Diyah and additional compensation due, coordinating with any potential criminal action against the party causing the accident if a serious violation like excessive speed or drunk driving is established.
Commercial Vehicle and Industrial Truck Accidents
Truck and commercial vehicle accidents in the Eastern Province, especially on Jubail's industrial roads, carry additional complexity related to the owning company's liability alongside the driver themselves, and we help affected parties identify the actual responsible party and claim full compensation.
Multi-Party Traffic Accidents
When an accident involves more than two vehicles, determining each party's fault percentage becomes more complex, and we help clients understand how liability is allocated among multiple parties, especially when each party disputes the actual sequence of events leading to the accident.
Comprehensive Insurance Versus Third-Party Insurance
The type of insurance policy you hold fundamentally affects your available compensation scope; comprehensive insurance covers your vehicle's damage even if you're at fault, while third-party insurance only covers the other party's damage. We help you understand your policy's scope before submitting any claim.
Challenging the Najm Report Before the Competent Body
When we decide to challenge the fault percentage determined in the Najm report, we need to present strong physical evidence supporting the alternative account of the accident, such as nearby surveillance camera footage or independent witness statements, and we help clients gather this evidence quickly before it's lost or deleted.
How We Start With You
Send us the accident details and Najm report if available on WhatsApp, along with any photos or medical documents. We assess your position and determine the expected compensation amount and the most suitable claim path, whether direct negotiation or judicial escalation.
Frequently Asked Questions
I just had a traffic accident. What's the first step I should take?
Document the accident scene with photos immediately and get a Najm report, then contact us to review the situation before signing any settlement with the insurance company.
The Najm report assigned me a fault percentage I think is unfair. Can it be objected to?
Yes, we review the accident's actual facts and help you file an objection backed by evidence if the determined fault percentage is inaccurate.
The insurance company offered an amount far less than my car's actual repair cost. What do I do?
Don't accept the offer immediately; we review the actual damage estimate and help you negotiate to get fair compensation covering the full repair cost.
The party who caused the accident has no valid insurance. Can I still claim compensation?
Yes, through the Traffic Accident Victims Compensation Fund, and we help you meet this alternative claim path's requirements.
I suffered a bodily injury in the accident and its full symptoms only appeared days later. Am I still entitled to compensation for it?
Yes, as long as we establish the causal link between the accident and the injury through a medical report, and we help you properly document this link.
A relative of ours died in a traffic accident. What rights can be claimed?
We represent you in claiming Diyah and additional compensation due, while following up any potential criminal action against the responsible party if a serious violation is established.