For years, the sector's answer to the paper report has been an app. Insurer apps, broker apps, fleet manager apps. Many are well built. Almost none get used at the moment of the accident. The reason is not the quality of the app. It is that it has to be installed.
The problem with installing beforehand
A claims app is only useful if it is on the phone when the claim happens. That forces the driver to install it beforehand, with no immediate need, and keep it installed for months or years without using it. A private individual with their own policy might do it if their insurer insists. A fleet driver, who did not choose the vehicle or the insurance and may be driving a different vehicle next week, does not. And if the company forces it, they install it and forget about it, or delete it in the next phone clean-up.
The problem with installing on the spot
The alternative is installing it at the moment. The driver is on the hard shoulder, with a damaged car and a stranger in front of them, and has to find the app in the store, download it, accept permissions, register, and recover a password they do not have. Sometimes with poor signal. It does not happen. What happens is they call their boss.
That is the pattern that separates digital report projects that get used from those that do not. Those that require downloading something end up with residual usage rates, whatever the quality of the app. Those completed in the mobile browser, with nothing to install, reach majority usage rates. It is a single variable, and it is binary.
What gets used instead: the browser and the vehicle
The phone already carries the only thing needed: a camera that reads QR codes and a browser. If the entry point to the report is on the vehicle, in the form of a QR identifier, and the report opens in the browser with the vehicle's data preloaded, the driver does not need to know anything beforehand or install anything at the moment. They scan, identify themselves with their username, and describe what happened.
There are three design decisions behind that.
The identifier lives on the vehicle, not on the person. The driver changes, the phone changes, the leasing company changes; the vehicle stays the same, and so does its configuration. That is why it works for fleets with high turnover, for rent a car and for shared mobility.
The company sets up the configuration once. Insurer, policy, broker, workshop, fleet managers and report recipients are all linked to the number plate from onboarding. The driver does not need to know any of those links.
Identification with no installation. No app does not mean no identity. The driver enters with a username and password, and the other party reviews and signs from their own phone through a link, with no account. That is what guarantees the report is signed by whoever claims to sign it.
What this changes for whoever deploys it
A digital report deployment with no app has two costs a deployment with an app does not: an identifier has to go on every vehicle, and credentials have to be given to every driver. And it has one benefit that outweighs both: it gets used. A one-page instruction sheet handed over with the vehicle replaces training, and the first report that arrives within minutes, with photographs, is usually the argument that settles the matter internally.
Acciparte has been built on that premise from day one. You can see how it is deployed for a fleet, a dealership or a rent a car operator, and the driver's journey in the guide for drivers.