New DPVAT: bill advances in the Chamber to help victims and change licensing

The Committee on Traffic and Transport of the Chamber of Deputies approved the substitute for Bill 1994/25, which reestablishes the collection of mandatory insurance for vehicles and radically changes the responsibility for traffic fines. The proposal aims to fill the care vacuum left by the extinction of the DPVAT and ensure that buyers of used cars are not penalized for infractions committed by previous owners.

The text, reported by Deputy Hugo Leal (PSD-RJ), institutes the SPVAT (Mandatory Insurance for the Protection of Victims of Traffic Accidents). The new model maintains the social character of indemnifying deaths, permanent disability and hospital medical expenses resulting from run-overs and collisions. There are still no details about costs to the driver and other bureaucratic steps.

The collection and management of funds must continue under the tutelage of Caixa Econômica Federal, conditioning the annual licensing of the vehicle to the payment of the policy. “The National Council of Private Insurance (CNSP) will regulate the minimum coverage limits, premium amounts, contractual conditions and other requirements for the operationalization of insurance,” the text states.

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Care gap

The center of the legislative debate is the creation of SPVAT, successor to DPVAT. Since 2021, when the consortium of private insurers was dissolved, the insurance has been managed by Caixa Econômica Federal without charging drivers a premium. However, the exhaustion of accumulated resources created a care vacuum, leaving thousands of victims of hit-and-run accidents without compensation for death or disability.

The extinction of the previous model also impacted the financing of the SUS, which received part of the collection. The new project seeks to reactivate this social protection network, making the payment of the SPVAT mandatory for legal circulation. The text now goes to the Constitution and Justice Commission (CCJ) for analysis and, later, to the Federal Senate.