Automobiles
DPVAT will be free in 2022. Understand
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Insurance will have its payment amount zeroed in 2022. Understand in the article below.
The month of January brings with it several extra expenses at the beginning of the year.
And when it comes to vehicles, these charges are even higher.
In addition to the IPVA and the Vehicle Licensing Fee, the DPVAT comes with them every year.
However, 2022 started with good news.
This is because despite the increase in the IPVA 2022, the DPVAT will be zeroed for the current year.
What is DPVAT?
The DPVAT (Personal Damage by Land Motor Vehicles), is the mandatory insurance for personal injuries caused by vehicles, created in 1974.
It is responsible for the comprehensive coverage of all victims of traffic accidents registered in the national territory.
The DPVAT has always been paid together with the first installment or with the single installment of the IPVA.
For vehicles exempt from IPVA, it was paid together with the annual licensing fee.
DPVAT is no longer managed by Seguradora Líder
Seguradora Líder was created by the Conselho Nacional de Seguros Privados (CNSP) as a consortium to administer DPVAT as a specialized insurance company.
Its foundation was on 12/07/2007 and for 13 years it acted as DPVAT insurance administrator.
However, on 11/24/2020, the Consortium was dissolved by the Assembly, resulting in the termination of subscriptions by Seguradora Líder, as of 01/01/2021.
Since then, DPVAT funds have been managed by FDPVAT, a Caixa Econômica Federal fund.
What are the benefits of DPVAT?
DPVAT offers three types of coverage:
- Death: In this coverage, the beneficiaries are the legal heirs of the victims, in case of death of drivers, passengers or pedestrians, resulting from a traffic accident. The indemnity amount is R$ 13,500.00;
- Total or partial permanent disability: In this coverage, the beneficiary is the victim and is paid in cases of permanent loss or reduction, total or partial, of member(s) and/or organ(s) functions. The impossibility of rehabilitation must be attested in a conclusive medical report. Indemnity amounts range from R$ 135 to R$ 13,500.00.;
- Medical and hospital expenses: In this coverage, the beneficiary is the victim who had disbursement with medical, hospital, supplementary or pharmaceutical assistance, resulting from the traffic accident. Expenses such as medication, exams, consultations, physiotherapy in the private health network are reimbursed considering the amounts spent and proven by the victim, up to R$ 2,700.00.
Remembering that DPVAT coverage is assured for a period of up to three years after the occurrence.
What does the DPVAT not cover?
Not all types of accidents and inconveniences in traffic are entitled to receive insurance.
Among the hypotheses not covered are:
- Fines and other infractions imposed on the driver;
- Personal injury not caused by land vehicles or their cargo;
- Material damage, such as dents and other damage to vehicles;
- Accident without casualties;
- Accidents involving foreign vehicles circulating in national territory;
- Accidents occurring outside the national territory, even if by a vehicle registered in Brazil.
What changed in DPVAT in 2022
On 12/17/2021, the National Council of Private Insurance (CNSP) approved the DPVAT exemption for the year 2022.
As in 2021, the body understood that the surplus amounts in the Caixa Econômica Federal fund are sufficient to cover traffic accidents.
With this, it will not be necessary for the taxpayer to pay any amount for insurance!
This savings in the value of the DPVAT will help ease the pockets of taxpayers a little, who will have to pay a more expensive IPVA in 2022.
How to apply for DPVAT 2022
To apply for DPVAT 2022, follow the steps below:
- Download and install the “Caixa DPVAT” application, available for Android and IOS;
- Enter the data requested by the application (CPF, Full Name, Cell Phone, Date of Birth, Zip Code, E-mail);
- Register a password to access the application;
- Click on the DPVAT request and send the requested documents.
Ready, within 30 days Caixa will respond to your request, granting or rejecting your request.
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