diff --git a/src/case-expert-report/case-expert-report.builder.spec.ts b/src/case-expert-report/case-expert-report.builder.spec.ts
index 94bbb50..544e514 100644
--- a/src/case-expert-report/case-expert-report.builder.spec.ts
+++ b/src/case-expert-report/case-expert-report.builder.spec.ts
@@ -39,6 +39,8 @@ describe("buildInsurerFileReport", () => {
               userId: "guilty-user-id",
               fullName: "مقصر نمونه",
               phoneNumber: "09120000000",
+              nationalCodeOfInsurer: "0987654321",
+              insurerBirthday: 13650115,
               clientId: "client-guilty",
             },
             statement: {
@@ -155,6 +157,13 @@ describe("buildInsurerFileReport", () => {
       },
     });
 
+    expect(getFieldValue(report, PR.ownerSection, PR.name)).toBe("زیان دیده نمونه");
+    expect(getFieldValue(report, PR.guiltyOwnerSection, PR.name)).toBe("مقصر نمونه");
+    expect(getFieldValue(report, PR.guiltyOwnerSection, PR.phone)).toBe("09120000000");
+    expect(getFieldValue(report, PR.guiltyOwnerSection, PR.nationalCode)).toBe(
+      "0987654321",
+    );
+
     expect(getFieldValue(report, PR.damagedThirdPartyInsuranceSection, PR.policyNumber)).toBe(
       "TP-DAMAGED-001",
     );
diff --git a/src/case-expert-report/case-expert-report.builder.ts b/src/case-expert-report/case-expert-report.builder.ts
index 5dfcd04..a65485c 100644
--- a/src/case-expert-report/case-expert-report.builder.ts
+++ b/src/case-expert-report/case-expert-report.builder.ts
@@ -477,28 +477,48 @@ function buildCarBodyInsuranceFields(
   ];
 }
 
-function buildOwnerSection(
-  damagedParty: ReportParty | null,
-  claim?: Record<string, unknown> | null,
-): InsurerFileReportSection {
-  const person = damagedParty?.person as ReportRecord | undefined;
+function buildPartyOwnerSection(
+  title: string,
+  party: ReportParty | null | undefined,
+  options?: {
+    claim?: Record<string, unknown> | null;
+    useClaimOwnerFallback?: boolean;
+    includeSheba?: boolean;
+  },
+): InsurerFileReportSection | undefined {
+  const person = party?.person as ReportRecord | undefined;
+  const claim = options?.claim;
   const money = claim?.money as
     | { sheba?: string; nationalCodeOfInsurer?: string }
     | undefined;
   const claimOwner = claim?.owner as { fullName?: string } | undefined;
 
-  return buildSection(PR.ownerSection, [
-    { label: PR.name, value: firstDefined(person?.fullName, claimOwner?.fullName) },
+  if (!person && !options?.useClaimOwnerFallback) return undefined;
+
+  return buildSection(title, [
+    {
+      label: PR.name,
+      value: options?.useClaimOwnerFallback
+        ? firstDefined(person?.fullName, claimOwner?.fullName)
+        : firstDefined(person?.fullName),
+    },
     { label: PR.phone, value: asString(person?.phoneNumber) },
     {
       label: PR.nationalCode,
-      value: firstDefined(person?.nationalCodeOfInsurer, money?.nationalCodeOfInsurer),
+      value: options?.useClaimOwnerFallback
+        ? firstDefined(person?.nationalCodeOfInsurer, money?.nationalCodeOfInsurer)
+        : firstDefined(person?.nationalCodeOfInsurer, person?.nationalCode),
     },
     {
       label: PR.birthDate,
-      value: formatBirthDate(person?.insurerBirthday ?? person?.birthday),
+      value: formatBirthDate(
+        person?.insurerBirthday ?? person?.birthday ?? person?.driverBirthday,
+      ),
+    },
+    {
+      label: PR.sheba,
+      value: options?.includeSheba ? money?.sheba : undefined,
     },
-    { label: PR.sheba, value: money?.sheba },
   ]);
 }
 
@@ -838,7 +858,14 @@ export function buildInsurerFileReport(file: {
 
   const sections = filterEmptySections([
     buildCaseTimelineSection(overview, claim),
-    buildOwnerSection(damagedParty, claim),
+    buildPartyOwnerSection(PR.ownerSection, damagedParty, {
+      claim,
+      useClaimOwnerFallback: true,
+      includeSheba: true,
+    }),
+    includeGuiltySections
+      ? buildPartyOwnerSection(PR.guiltyOwnerSection, guiltyParty)
+      : undefined,
     buildDriverSection(damagedParty, blameContext),
     buildSection(
       PR.damagedThirdPartyInsuranceSection,
diff --git a/src/case-expert-report/persian-report-labels.ts b/src/case-expert-report/persian-report-labels.ts
index 57319ba..e13bf25 100644
--- a/src/case-expert-report/persian-report-labels.ts
+++ b/src/case-expert-report/persian-report-labels.ts
@@ -4,6 +4,7 @@ export const PR = {
   requestNo: "شماره درخواست",
   empty: "-",
   ownerSection: "مالک خودروی زیان دیده",
+  guiltyOwnerSection: "مالک خودروی مقصر",
   driverSection: "راننده خودروی زیان دیده",
   damagedThirdPartyInsuranceSection: "بیمه شخص ثالث زیان‌دیده",
   damagedCarBodyInsuranceSection: "بیمه بدنه زیان‌دیده",