DPVAT puts price on body parts
This article was translated by an automatic translation system, and was therefore not reviewed by people.
The compensation paid due to permanent traffic accidents by the Compulsory Insurance Personal Injury Caused by Motor Vehicles for Road (DPVAT) now have a table with value for each body part. Values are percentages of the maximum payment of U.S. $ 13.5 mil: U.S. $ 1,350 (10%), U.S. $ 3,375 (25%), U.S. $ 6,750 (50%), U.S. $ 9,450 (70%) and R $ 13,500 (100%). As an example, the loss of a limb (arm or hand) is worth $ 9.450, deafness for $ 6750 and a finger for $ 1,350 (see infographic).
The new rules were approved Wednesday by the Senate. They are already in force since December 16, with the publication of Provisional Measure 451/2008, but from time to change the law of DPVAT, have approved the text of the sanction of President Luiz Inácio Lula da Silva.
According Márcio Norton, director of institutional relations at Leader Insurance Company, which manages the group responsible for DPVAT insurance, the adoption of a special table will reduce the cost of insurance. It will replace the values used today, based on scales of personal accident insurance, occupational accidents and the international classification of diseases. "The act was supplemented by other tables - it caused much difficulty. It was a complication for physicians, with concepts too subjective. They gave room for different interpretations. This greatly increased the number of lawsuits, "he says.
Norton says that the new table is best for the insured. "It's increased percentage and added other damage. The number of claims paid will increase, but the gain is to avoid the costs of the lawsuits, "he says. Before the changes, the ceiling from $ 13.5 thousand rule was upset with the claims, leading to further costs for insurers, such as skills, fees and losses in the stock.
To get an idea of the situation, the compensation for disability in accidents jumped from $ 3 million in 2003 to $ 150 million in 2007, jumping from 50 thousand to the current about 250 thousand cases in a short time. The information is the Superintendency of Private Insurance (Susep).
News
The DPVAT will now compensate the loss of the spleen with R $ 1,350 and residual loss of a member, also with R $ 1.350. In this case, the expert may determine compensation for the shortening of one leg from an inch, which was not possible before. As for the partial disability, the change provides for proportional reduction equivalent to 75%, 50% and 25% in the scale of losses DPVAT to intense impact, medium and light, respectively.
According Márcio Norton, the new rules will ensure the survival DPVAT and the values of damages may increase over time. "He is a social insurance and payment is independent of guilt" - enough to have the damage coming from a traffic accident. "As we fraud and decrease accidents fall, the value of benefits may increase," he says.
With the changes, hospitals have agreements with the National Health System (SUS) will no longer receive the amount of $ 2.7 thousand for medical and hospital services, and the Medico-Legal Institute (IML) is replaced within 90 days to prepare the reports for disability - before there was time set.
Service
To receive the DPVAT, the victim should seek the IML, to the expertise and then submit the documents in the chosen insurer. The term is three years after the accident. The list of insurance companies and more information can be found at www.dpvatseguro.com.br.
Source: Gazeta do Povo
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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