Perspectivas do seguro DPVAT no Brasil nos anos de 2010 a 2018

Abstract

The exorbitant number of vehicles moving on the roads has generated for the Brazilian population a lower perspective of life and increase in social and economic costs applied in the treatment of victims of incidents, contributing significantly to the increase in income resulting from the collection of premiums calculated with the Personal Damage Insurance Caused by Land Way Vehicles. The present bibliographic study aims to analyze the importance and possibilities of DPVAT Insurance in Brazil in recent years, in view of the reasons that are involved in the high increases in compensation paid with compulsory insurance, reporting its evolution, competencies and particularities, in addition to the differentiation between compulsory insurance and the normative evolution of attribution to definitive disability coverage, reimbursement of medical and death expenses paid to victims of claims of Traffic. The research was conducted through a literature and descriptive statistics review, and the data used in the research were first determined in the DPVAT information base, followed by the DMV/SE, with the monthly statistics disclosed of traffic accidents, the Institute of Applied Economic Research, the Federal Highway Police and Superintendence of Private Insurance, subsequently, the data were organized and elaborated demonstrating their results in maps and graphs. Through these data, the evolution of the Brazilian fleet of transport in movement on roads and avenues in Brazil and Sergipe, the occurrences of traffic incidents, according to the degree of severity involving female and male individuals, were compared comparisons of the compensation paid and the amounts determined of the collections and compensationpaid with dpvat in recent years. Finally, through the comparisons made with the amounts found in the revenues and compensationpaid by insurance, it is concluded that actions to combat fraud has been collaborating effectively to reduce the numbers of claims paid to accident victims making resources more than sufficient to bear their compensation.