Najm نجم, from NAJM for Insurance Services Company, provides motorists in Saudi Arabia a mobile channel for reporting traffic incidents and initiating insurer interaction. The app lets drivers register an on-scene report, confirm location, and submit photographic evidence while checking policy validity and No Claims Discount status. It targets vehicle owners and drivers who need a sanctioned, phone-based way to formalize accident records and move claims toward resolution without immediate office visits.

Najm acts as the authorised digital record for insured accident reports

The app is the only official platform authorised to handle traffic accident reporting for insured vehicles in Saudi Arabia, which means incident records created in Najm are recognised by insurers and traffic authorities. That legal standing creates a clear administrative trail from the moment a driver files a report through subsequent insurer processing, providing a single, sanctioned source for formal claim initiation.

How on-scene reporting and documentation are structured

The reporting flow asks users to confirm a GPS location and enter basic incident details, then attach photos and supporting documents to the same submission. Important workflow elements include:

• confirming position on a map
• photograph and document upload
• access to insurance validity checks and accident history for registered vehicles

What platforms and insurer interactions the app supports

Najm is available on iPhone (requires iOS 12.0 or later) and on Android, so teams managing mixed-device fleets can adopt the same channel. The app transmits user-submitted photos and records to the Najm network and insurer workflows, and it exposes surveyor arrival status and estimated time of arrival, enabling a coordinated response between the motorist, the surveyor, and the insurer.

Practical reliability and user reception in real driving conditions

The application is widely used across Saudi Arabia and receives positive feedback for making reporting accessible from a phone. Users report that location mapping occasionally needs updates to improve pinning accuracy, so drivers should verify the mapped point before submitting in low-signal areas. Regular updates from the developer aim to address these precision concerns.

Najm suits drivers and fleet managers who need a sanctioned mobile path for post-accident administration

For Saudi motorists and fleet operators who accept mobile-first reporting, Najm provides a practical, authorised route to move an incident from roadside to insurer handling. The app's broad adoption supports predictable administrative handling, though users should confirm captured details when GPS signal quality is poor. Those who require in-person processing continue to rely on traditional channels outside the app.