Insurer refused or cut your claim, or delayed for months? Insurance disputes follow a set route: the insurer, the regulator, then the Insurance Disputes and Violations Committees.
Common rejections
| Reason | What to do |
|---|---|
| "Not covered" | Ask for the clause in writing; exclusions are read narrowly |
| "Unlicensed driver" | Check the policy; in compulsory cover the insurer may pay third parties then recover |
| "Estimate too high" | Provide another accredited estimate and invoices |
| Unjustified delay | Insurers bear consequences for unjustified delay |
Steps
- Submit the full claim: accident report, damage estimate, invoices, policy.
- Get a written decision and claim number.
- Complain to the insurance regulator.
- File before the committees; decisions can be appealed.
For accidents read diya and car accident claims.
Claim rejected?
Usus Law Firm handles insurance committee claims as part of quasi-judicial committees, in Riyadh and Tabuk, and advises in English.
This article is general legal information and is not a substitute for advice on your specific case. Court proceedings in Saudi Arabia are in Arabic; the official Arabic text of each law prevails.
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