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Accident report and damage claim to a motor insurer (Italy)

Vehicles
Italiano
Italy
Complaint & Appeal
Print & sign
2 pages · 0 sold

Published byDocMuse

This document is in Italian

The PDF you download is in Italian — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.

For anyone whose vehicle was damaged in a road accident in Italy: a letter in Italian reporting the accident and claiming compensation, either from your own insurer (direct compensation, art. 149 of the Italian Private Insurance Code) or from the insurer of the driver at fault (art. 148), with the details the law requires: tax code, circumstances, and the place, days and hours for the damage assessment. Damage to property only, not injuries. Your own insurer must be told within three days (art. 1913 of the Civil Code); send it by registered post or PEC, with the CAI joint report if completed.

  • Made for use in Italy
  • Last updated October 14, 2026

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When to use this document

  • Another car hit yours from behind in Italy and you want the insurer to pay for the repairs.
  • The other driver refused to sign the joint accident report and you need to describe the crash in writing.
  • A few days have passed since the accident and you have not yet told your own insurer.
  • You need a letter to the insurer claiming for damage to your car after a road accident.

What you fill in

The details the document asks for.

  • Sender
  • Sender's codice fiscale (Italian tax code)
  • Sender's address
  • How the letter is sent (printed above the recipient)
  • Insurer
  • Motor insurer's address (street or PO box, then postcode and town, each on its own line)
  • City
  • Date
  • Which insurer the claim is addressed to
  • Date of the incident
  • Time of the event
  • Place of the event
  • Make and model
  • Registration plate
  • Policy number
  • Other vehicle: plate and insurer
  • Other people involved: name, address, plate and insurer, as far as known
  • Authorities who attended (e.g. local police, report number)
  • Witnesses (names and phone numbers)
  • The joint accident report form (CAI)
  • How the accident happened (directions, manoeuvres, right of way)
  • Description of the damage
  • Where the damaged vehicle can be inspected
  • Days and hours for inspection (at least five working days)
  • IBAN
  • Attachments

Common questions

Within how many days must a road accident be reported to the insurer in Italy?
The insured must notify their own insurer within three days of the accident or of learning of it, unless the policy allows longer (art. 1913 of the Italian Civil Code). Late notice does not by itself forfeit compensation: the insurer may reduce it if it suffered prejudice. The letter is sent by registered post with proof of receipt or by PEC to the insurer's address; many insurers also take the report through their agency, and every insurer supplies the CAI joint report form free of charge.
How long does an Italian motor insurer have to make an offer?
For damage to property the insurer must make a reasoned offer, or say why it makes none, within 60 days of a complete claim, cut to 30 if the CAI form was signed by both drivers (art. 148 of the Private Insurance Code). Once the offer is accepted, it pays within 15 days. If it does not answer or the offer falls short, a complaint goes to the insurer and then to IVASS; since 15 January 2026 the Arbitro Assicurativo can be asked 45 days after the complaint, for a €20 fee. Before a lawsuit, assisted negotiation is required.
Does the claim go to my own insurer or to the other driver's insurer in Italy?
When the accident involves two identified and insured vehicles, the rule is direct compensation: you claim from your own insurer, which pays and then settles with the other company (art. 149 of the Private Insurance Code). Otherwise the claim goes to the insurer of the vehicle at fault (art. 148), with a copy to your own insurer as the accident report. The document offers both routes. Personal injury needs a different claim, with medical records, which this model does not contain.

How you can sign this document

  • Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
  • Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked

DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.

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