How much will DPVAT cost if the Senate approves the return of mandatory insurance

The return of mandatory DPVAT insurance for drivers, approved on Tuesday (9) in the Chamber of Deputies and which still needs to be passed by the Senate, will also result in a fine for those who do not pay it. This is what the text of the new legislation expresses, now called SPVAT (Mandatory Insurance for the Protection of Victims of Traffic Accidents).

The DPVAT was extinguished by Bolsonaro in 2020 following a recommendation from the Federal Audit Court (TCU) with the aim of preventing fraud and mitigating the costs of supervision and insurance regulation by the public sector. The benefit was valid until December 31, 2019 and coverage ended last year due to the exhaustion of funds collected.

Payment of the DPVAT, in addition to being mandatory, will now have a fine equivalent to a serious infraction that currently costs R$195.23 to anyone who does not pay it annually.

The amounts to be charged from next year, if the legislation is approved, have not yet been finalized. In 2019, the last year in which it was in force, the DPVAT cost R$5.23 for passenger cars and R$12.30 for motorcycles, and was collected annually when paying for the vehicle’s licensing.

According to Caixa Econômica Federal, responsible for managing the DPVAT, the coverage was aimed at protecting victims of traffic accidents and their families. In the event of death, the insurance provided for compensation of R$13,500 per victim.

In cases of permanent disability, the value could reach R$13,500, varying according to the severity of the injury. In addition, medical and hospital expenses could be reimbursed up to R$2,700 per victim.

Information from the time also indicates that the allocation of resources collected by DPVAT was exclusively aimed at paying compensation for victims of traffic accidents and accident prevention actions.

The text of the new legislation establishes that the transfer of resources from insurance collections to the Unified Health System (SUS) will no longer be mandatory, going from 50% to 40% to cover medical and hospital assistance for insured people victimized in accidents. Traffic.

Another planned transfer is 5% of the total amounts allocated to Social Security for the Coordination of the National Traffic System, to be used in publicizing the SPVAT and in accident prevention programs.

The bill’s rapporteur, Carlos Zarattini (PT-SP), also included coverage for funeral services and professional rehabilitation for accident victims who were left with partial disability. It will be up to the National Private Insurance Council (CNSP) to establish the limits of amounts to be compensated and which expenses will be reimbursed.