What is it and how to apply for DPVAT insurance?

There are two ways to apply for the Mandatory Insurance for Personal Injury Caused by Motor Vehicles (DPVAT Insurance). The first is through the DPVAT App, which can be accessed with them Login and password for other Caixa applications, and the second is through the bank’s own branch.

From the application, just click on “I want to request my DPVAT indemnity”, then on “Initiate request” and then select the type of indemnity. The insurance offers three types: Medical and Supplementary Assistance Expenses (DAMS), Permanent Disability (IP), total or partial and death. Property damage, accidents occurring outside the country and fines are not covered by the insurance.

After selecting the type of indemnity, the insured must fill in the beneficiary’s data, attach the requested documents (in case of disability, for example, it is necessary to present the medical report) and authorize the credit of the payment to a digital social savings account.

To order at Caixa, simply go to one of the bank’s branches taking all the necessary documentation. To find out which documents must be presented, go to Caixa’s website and look for the topic “Documentation”.

Claims must be accompanied by the DPVAT App or directly at one of the agencies. If the applicant has pending issues, a message will appear on the application’s initial screen, as well as the documents necessary to settle them. The deadline for analyzing requests is 30 days from the validation of the documents sent.

What is DPVAT insurance?

The Compulsory Insurance for Personal Injury Caused by Motor Vehicles (DPVAT Insurance) aims to ensure assistance to victims of traffic accidents throughout Brazil, regardless of who is to blame for the accident.

Along these lines, the insurance regulation determines that 45% of the funds collected are allocated annually to the Unified Health System (SUS) to assist injured people. In ten years, between 2008 and 2018, there were more than R$ 33 billion, according to family doctor and professor at the Federal University of Vale do São Francisco (Univasf), Aristotles Cardona.

According to Seguradora Líder, manager of DPVAT, in the first half of 2019, 18,841 indemnities for death, 103,068 indemnities for permanent disability and 33,123 indemnities for medical expenses were paid.

SUS

In an interview with the Oswaldo Cruz Foundation (Fiocruz), Leonardo Mattos, a member of the Research and Documentation Group on Health Entrepreneurship at the Institute of Collective Health Studies at the Federal University of Rio de Janeiro (UFRJ), stated that the SUS “has been the main tool to face the consequences of traffic accidents. It is Samu that rescues the injured, and it is the emergencies of public hospitals that attend to them and perform surgeries and then take care of their rehabilitation”.

That scenario is under attack, however. After they took over the government, Jair Bolsonaro and Economy Minister Paulo Guedes tried to extinguish the DPVAT. In December 2019, the president even issued a provisional measure determining the extinction of mandatory insurance. About two months later, however, the Supreme Court (STF) by six votes to three overturned the provisional measure.

::Health Budget lost R$ 20 billion in 2019 due to the Spending Ceiling Amendment::

Bolsonaro’s attempt to extinguish DPVAT represented yet another attack on public health that has been implemented in recent years. Another was Constitutional Amendment 95, which created the Spending Ceiling, restricting health care resources for 20 years.

Edition: Daniel Lamir

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