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Mandatory DPVAT Insurance Collection for Vehicles Will Resume; Check the Start Date and Details
Starting in January 2025, every owner of a motor vehicle in Brazil will again pay the DPVAT insurance, now renamed SPVAT (Mandatory Insurance for Protection of Traffic Accident Victims).
This measure, approved by the Lula government, aims to ensure financial protection for victims of traffic accidents. In this article, we will explain how the SPVAT will work, what it covers, and what the obligations of drivers regarding the payment of this insurance are.
1. What is the SPVAT and What Does It Cover?
The SPVAT was created to guarantee compensation to victims of traffic accidents, covering:
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- Death compensation;
- Permanent disability compensation;
- Reimbursement for medical and hospital assistance expenses;
- Coverage of funeral and professional rehabilitation expenses.
This charge is mandatory and is destined for all owners of motor vehicles. After its extinction in 2020, the DPVAT will resume in 2025 with a new name, and the expectation is that the annual insurance amount will vary between R$ 50 and R$ 60.
2. Why Was DPVAT Insurance Extinguished and Why is It Coming Back Now?
The DPVAT was extinguished in 2020, during the Bolsonaro government, and compensations for accident victims continued to be paid until 2023 with the existing balance in the DPVAT fund. However, since November 2023, the payment of compensations has been suspended due to lack of funds.
According to Alessandro Octaviani, superintendent of the Superintendence of Private Insurance (Susep), the return of the insurance is due to the need to support Brazilians who depend on this assistance to deal with the consequences of traffic accidents. “About 400,000 people a year use this insurance to restart their lives,” comments Octaviani.
3. How Will SPVAT Payment Be Made?
The SPVAT collection will be centrally conducted by Caixa Econômica Federal. States that have partnered with Caixa may include the insurance fee in the annual licensing fee and the IPVA, facilitating joint payment. However, of the 26 states and the Federal District, only five have joined the system by the deadline of August 2024:
- Bahia
- Espírito Santo
- Paraíba
- Maranhão
- Sergipe
In the remaining states and the Federal District, SPVAT payment must be made directly at Caixa Econômica.
4. The Importance of Regularizing the Insurance
The National Association of Detrans (Detrans) clarifies that SPVAT payment is mandatory throughout the national territory. If the insurance is not paid, the driver will not be able to obtain the annual licensing of the vehicle, rendering it irregular.
Givaldo Vieira, president of the National Association of Detrans, explains that the SPVAT is a federal charge and, therefore, its payment is essential for the regularization of the vehicle. He emphasizes that “if this debt is outstanding, it is not possible to generate the licensing.”
5. Consequences of Driving Without Licensing
Driving a vehicle without the annual licensing represents a serious violation in Brazil, with significant penalties:
- Fine of R$293;
- 7 points on the driver’s license;
- Possibility of vehicle seizure.
These measures aim to reinforce the importance of regularization and compliance with safety norms and protection for traffic victims. Therefore, being attentive to SPVAT payment and licensing regularization is essential for drivers to avoid fines and additional sanctions.
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