Can both sign digitally from their own mobile?

When an accident occurs, it is easy to become stressed – and it is particularly useful that the accident report can be filled out and signed right then and there. The question many are asking in 2026 is exactly this: Can both sign digitally from their own mobile? The answer is yes – and in practice, it is often the easiest way to ensure that both parties actually approve the same version of the sequence of events.

How does digital signing work when you are at the accident site?

Digital signing means that each party confirms the accident report electronically, usually with a secure signing solution (such as BankID, depending on the service used). The advantage of both signing from their own mobile is that you avoid having to reach over one screen, and each party can read everything in peace.

On Skademeldinger.no, the point is precisely that you can fill out the accident report together with the other party, and then sign digitally – so that the documentation is organized and ready for submission to the insurance company.

One common version is key

Regardless of which solution you use, the goal should be that you end up with one common accident report (not two different ones). This reduces misunderstandings and saves time in the claims process because the insurance company gets a consistent basis.

Step by step: Here’s how to do it (safely and orderly)

1) Secure the scene and check if anyone is injured

Always start with safety: get an overview, turn on warning lights, and use a warning triangle if necessary. In case of personal injury, emergency services should be contacted.

2) When should the police be contacted?

The police may be relevant in cases of personal injury, suspicion of intoxication, disagreement about the incident, or if someone leaves the scene. See the overview of services and how to report at the Police (note that what should be reported and how can vary with the situation).

3) Gather documentation before you sign

Before signing anything, take two minutes to document:

• Pictures of damages on both cars, license plates, the situation on the roadway, and any signs/road markings.
• Date and location (preferably with GPS/location).
• Witnesses: names and phone numbers if someone saw the incident.
• Brief sketch of the incident (many digital accident reports allow you to draw directly).

4) Fill out the accident report together – but on each of your mobile devices

Typical flow is:

• One of you starts the accident report and enters basic info.
• The other party is invited in (for example via link/SMS), and gets access to the same accident report.
• Both can check information, add their details, and see what has been written.

This is often more efficient than paper forms: you get fewer typographical errors, better readability, and easier attachment of photos.

5) Review before signing (important)

Digital signing may feel "quick", but it is as binding as a signature on paper. Before you sign:

• Check personal information (name, phone, registration number).
• Check insurance company and policy info if you have it.
• Read the description of the incident carefully and ensure it is precise and factual.
• Double-check that the photos actually show the correct car and the correct damage.

Frequently asked questions and pitfalls

What if the other party does not want to sign?

You can still report the claim to your insurance company, but it may involve more back-and-forth and require more documentation. Make sure to note details correctly, take more photos, and write down what the other party claims they disagree with. Do not pressure anyone to sign something they do not understand or disagree with.

What if one of us does not have BankID or a dead battery?

Then you can practically do one of the following:

• Complete the filling together and let the one who can sign do so first – and send the signing link to the other when they have power/ID available.
• If you cannot sign on-site: make sure to collect identity, vehicle info, and photos, and clearly agree on how you will complete the accident report later the same day.

Is digital signing "good enough" for the insurance company?

Yes, digital accident reports are today an established part of the claims process. However, terms and procedures may vary between companies, and the insurance company may request more documentation in unclear circumstances.

How Skademeldinger.no helps when there are two parties

What often creates problems in minor collisions is that the parties end up with two different descriptions, or that a paper note becomes illegible or lost. Skademeldinger.no is designed to make this easier by allowing you to:

• Fill out the same accident report together with the other party (each on their own mobile).
• Sign digitally when both have read and approved.
• Easily share the accident report and get it ready for the insurance company with attachments.

Checklist before you drive on

• Is everyone unharmed?
• Is the scene secured?
• Have you taken pictures of both cars, license plates, and the situation?
• Have you exchanged contact info and insurance company details?
• Have both read and understood the accident report before signing?

Summary: Yes – in 2026 it is both possible and practical for both to sign digitally from their own mobile. The most important thing is that you get a common, clear description and good documentation, so that the claims process proceeds faster and with fewer misunderstandings.