Digital accident reporting: New way to report damage from 2026!

Digital accident reporting: New way to report damage from 2026!

The Italian insurance regulator Ivass has approved the introduction of electronic accident reporting with Regulation No. 56 of March 25, 2025. From now on, policyholders and vehicle owners will be able to report the damage, also known as “constatazione amichevole”, via an app or web application. This digital solution is optional and does not completely replace the traditional paper form. This means it is up to each user to decide which form of reporting they prefer.

Insurance companies are obliged to offer mobile digital applications that enable easy use. All insurance companies must adapt their systems accordingly by April 7, 2026 at the latest. Policyholders who want to choose the digital route can do so via their insurance company's app, if it is available.

Reassurances and Concerns

An important aspect of the new regulation is that insurance companies must ensure that the insured receive a copyable and permanent version of the submitted report. This is intended to create transparency and offer security to consumers. However, there are also critical voices, particularly from consumer protection organizations, who fear that people with less technical knowledge could be overwhelmed when using the app.

Additionally, privacy concerns have arisen, particularly regarding sensitive health data that may be included in the digital reporting process. The expert association AIPED also raises an important problem: Every insurance company will offer its own app, which could negatively influence customers' willingness to switch.

The “modulo blu” and its role

In the event of a traffic accident, the “modulo blu”, a standardized form for reporting damage, remains important. This document contains all relevant data about the accident and remains an essential part of the process. However, the advantage of digitalization could be faster and more efficient processing of damage reports.

For further information and details on the new regulations, we recommend taking a look at the official document from Ivass, which provides comprehensive instructions on how to handle the new digital possibilities ( ivass.it ).

Overall, the introduction of digital accident reporting in Italy is being watched with excitement, both in terms of its practical implementation and its impact on customers and the insurance industry as a whole. Studies show that this innovation could bring about significant changes in the way claims are handled, but also presents challenges that need to be overcome.

Further details about the changes and the new insurance requirements can be found in the article by suedtirolnews.it.