{"id":82525,"date":"2025-08-25T12:03:42","date_gmt":"2025-08-25T09:03:42","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=82525"},"modified":"2025-11-25T19:52:40","modified_gmt":"2025-11-25T19:52:40","slug":"%d8%aa%d9%82%d8%af%d9%8a%d8%b1-%d8%a3%d8%b6%d8%b1%d8%a7%d8%b1-%d8%a7%d9%84%d8%ad%d9%88%d8%a7%d8%af%d8%ab","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/82525\/","title":{"rendered":"Accident Damage Assessment Practices: Where is the justice?"},"content":{"rendered":"<h4 style=\"text-align: center;\"><span style=\"color: #800000;\">Accident Damage Assessment Practices: Where is the justice?<\/span><\/h4>\n<p><a href=\"https:\/\/amlak.net.sa\/en\/tag\/%d8%af-%d8%b9%d8%a8%d8%af%d8%a7%d9%84%d8%ad%d9%83%d9%8a%d9%85-%d8%a7%d9%84%d8%ae%d8%b1%d8%ac%d9%8a\/\"><strong>Dr.. Dr. Abdulhakim bin Abdullah Al-Kharji<\/strong><\/a><\/p>\n<p>While the Kingdom seeks to promote justice between the parties to the <strong><a href=\"https:\/\/amlak.net.sa\/en\/73024\/\">Insurance relationship<\/a><\/strong>An issue that needs to be addressed urgently: The mechanism used by insurance companies to estimate vehicle damage.<\/p>\n<p>The issue lies in the fact that financial compensation to the consumer is often calculated based on the report of an authorized estimator, without sufficient objective or technical consideration of the true extent of the damage. It has become noticeable that these bodies tend to estimate the cost of \u00abrepairing\u00bb the damaged item rather than replacing it, even in cases where replacement is the logical and technically sound option to achieve justice.<\/p>\n<p>This underestimation leaves the consumer with three major issues:<\/p>\n<ol>\n<li>Low compensation compared to the actual damage.<\/li>\n<li>Failure to cover the vehicle's downtime during repair.<\/li>\n<li>Loss of market value of the vehicle due to damage to major parts that were repaired rather than replaced.<\/li>\n<\/ol>\n<p>More seriously, some of the estimates appear to be the result of unspoken coordination between <strong><a href=\"https:\/\/rulebook.sama.gov.sa\/ar\/%D8%A7%D9%84%D9%88%D8%AB%D9%8A%D9%82%D8%A9-%D8%A7%D9%84%D9%85%D9%88%D8%AD%D8%AF%D8%A9-%D9%84%D9%84%D8%AA%D8%A3%D9%85%D9%8A%D9%86-%D8%A7%D9%84%D8%A5%D9%84%D8%B2%D8%A7%D9%85%D9%8A-%D8%B9%D9%84%D9%89-%D8%A7%D9%84%D9%85%D8%B1%D9%83%D8%A8%D8%A7%D8%AA\">Insurance companies<\/a><\/strong> This violates the principle of impartiality and undermines consumer protection.<\/p>\n<p>Insurance justice requires that the condition of the vehicle be restored to what it was before the accident, not that the victim bear the consequences of a miscalculation. Hence, the regulatory authorities, led by the Consumer Protection Authority and the Saudi Central Bank (SAMA), must act to:<\/p>\n<p>- Recalibrate the grading criteria and ensure their independence.<\/p>\n<p>- Enabling the consumer to challenge the assessment before impartial technical bodies.<\/p>\n<p>- Requiring insurance companies to provide fair compensation, including indirect damages.<\/p>\n<p>In conclusion, it must be emphasized that a fair insurance system is not only in premiums, but also in fair fulfillment when compensated, otherwise the relationship between the consumer and insurance companies will remain dysfunctional, to the detriment of the weaker party.<\/p>\n<p><strong>@Dr_alkharji<\/strong><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading time: <\/span> <span class=\"rt-time\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">Minute<\/span><\/span>Accident Damage Assessment Practices: Where is the justice? Dr. Abdulhakim bin Abdullah Al-Kharji While the Kingdom seeks to promote justice between the parties to the insurance relationship, an issue has arisen that requires urgent treatment: The mechanism for estimating vehicle damage adopted by insurance companies. The issue lies in the fact that the financial compensation to the consumer is often calculated based on the report of an accredited estimator, without taking into account ... <a title=\"Accident Damage Assessment Practices: Where is the justice?\" class=\"read-more\" href=\"https:\/\/amlak.net.sa\/en\/82525\/\" aria-label=\"Read more about \u0645\u0645\u0627\u0631\u0633\u0627\u062a \u062a\u0642\u062f\u064a\u0631 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u062d\u0648\u0627\u062f\u062b: \u0623\u064a\u0646 \u0627\u0644\u0639\u062f\u0627\u0644\u0629\u061f\">Read 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