Digital CAI, the friendly finding becomes “smart”

A turning point comes for those traveling on the road: the Friendly Accident Operation (CAI) becomes digital And it is ready to revolutionize the management of claims, proposing an alternative to the traditional paper model. A change that should not be underestimated, especially if you think that last year in Italy they were recorded 1.8 million claimsof which 80% liquidated through direct compensation.

How digital CAI works

With the hope that there is never the need to fill in it, however it is useful to know that from1 July 2025a traffic accident can be denounced by filling out the CAI, or the friendly appointed ascertainment form also known as ex Cid, directly via smartphone, computer or tablet. It is not a definitive farewell to the paper module that you can still continue to use as always.

In case of accident therefore There will be no more cards to manage since you can do everything digitally via the app or portal of your insurance company. In fact, it will be necessary to specify the place, the date, the plates of the vehicles concerned, describe the incident and, finally, attach some demonstration photographs: how remember Aiped, Italian Association Estimators of Damage, to complete everything is then necessary digitally sign the document using the SPID or the electronic identity card.

«The introduction of the CAI digital module can certainly improve the quality of the collected data, reduce material errors and facilitate the transmission of documents. However, it does not impial decisively on the opening of the accident, which is already rapid and generally takes place within 24-48 hours of receiving the complaint “, comments the president Aiped, Luigi Mercurioand continues “, however, it is important to emphasize that the traditional CAI module will not retire at alland the companies will be obliged to always offer insured the choice between the digital and the pre -printed document ».

Availability

Digital CAI is already reality but not all insurance immediately offer the digital module: in order to put themselves in order, in fact, they have up to time April 2026. In addition, there is no single portal where you can fill in the online model but Everything will be done directly from the apps or official portals of the various insurance companies: According to what we read on the Net Unipolsai, Allianz, Generali, Real Mutua and Axa already offer this feature for their insured, however, you would do well to personally verify if your company already provides to provide this solution.