DPVAT Brasil

What DPVAT Brasil does

DPVAT Brasil operates as a specialized insurance claims advisory firm headquartered in São Paulo, Brazil, serving individual traffic accident victims seeking SPVAT (Seguro Proteção às Vítimas de Acidentes de Trânsito) compensation. The firm is the registered brand of ACERTA Assessoria e Consultoria em Seguros e Benefícios, has been operating since 2005, and employs 14 people. Its core service is end-to-end assistance with SPVAT insurance claims, including disability indemnification, death benefits, medical expense reimbursement, third-party claims, corporate employee coverage, credit card insurance advisory, and specialized indemnification for app-based delivery riders.

The firm operates a proprietary "Sistema Próprio de Auditoria de Processos" (in-house process audit system) designed to maximize claim payouts and expedite indemnification. Government-mandated compensation ceilings cap individual payouts at R$13,500.00. Beyond claims processing, the firm offers integrated on-site physiotherapy services for accident victims, creating a vertically extended service model. Distribution is direct-to-consumer, with WhatsApp as the primary acquisition and engagement channel, supplemented by Facebook, Instagram, and SEO-optimized website content.

The business model is professional services revenue on a per-claim basis, with service fees not publicly disclosed. Customer acquisition is largely direct, targeting accident victims through educational content about their rights. The firm also maintains the Centro de Defesa das Vítimas de Trânsito (CDVT), a social advocacy partnership aligned with traffic accident victim rights. The registered brand "SPVAT Brasil" is trademarked, reflecting the 2024 regulatory renaming of the underlying Brazilian insurance program from DPVAT to SPVAT.

Name

DPVAT Brasil

Legal name

ACERTA Assessoria e Consultoria em Seguros e Benefícios

Website

https://dpvatbrasil.com.br

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

DPVAT Brasil (also known as SPVAT Brasil) is a São Paulo-based insurance claims advisory firm that helps Brazilian traffic accident victims navigate SPVAT compensation claims, offering end-to-end claim processing, disability and death benefits support, medical reimbursement, and integrated physiotherapy services since 2005.

Ownership category

akta.pro rank

Product category

Insurance Claims Advisory

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

akta.pro primary industry

Insurance Claims & Direct Repair Programs (DRP) / Estimating Services (TLAKAEAL)

Keywords

• Insurance claims advisory
• Traffic accident compensation
• SPVAT indemnification services
• Insurance consultancy Brazil
• Accident victim claims processing

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Claims Advisory Services: Professional consulting services for SPVAT insurance claims processing, assisting accident victims in obtaining their entitled compensation for disability, death, medical expenses, and third-party coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

DPVAT Brasil is a consultancy that assists Brazilian traffic accident victims in obtaining SPVAT insurance compensation for disability, death, medical expenses, and third-party coverage. The firm handles the end-to-end claims process, from initial submission to payout, using a proprietary process audit system to maximize indemnity amounts and accelerate resolution. It also provides on-site physiotherapy services integrated with the claims workflow.

Product overview

SPVAT Brasil is a consultancy/advisory firm (registered brand of ACERTA Assessoria e Consultoria em Seguros e Benefícios) that operates as a unified service platform offering insurance compensation claims processing for traffic accident victims. The core offerings include two main indemnity services: SPVAT Disability (Invalidez) and SPVAT Death (Óbito) compensation claims. These are supported by supplementary services including medical expense reimbursement, third-party insurance claims, corporate employee coverage, credit card insurance advisory, and specialized delivery app rider compensation. The company also provides integrated physiotherapy services to injured victims. All services are delivered through their proprietary process audit system aimed at maximizing claim values and expediting compensation.

Differentiator

Problem solved

Functional benefit

Products and services

• Indenização SPVAT - Invalidez Advisory and claims-processing service for traffic accident victims who suffer permanent or temporary disability, helping them obtain their entitled SPVAT insurance indemnification.
• Indenização SPVAT - Óbito Advisory and claims-processing service for beneficiaries of victims who died in traffic accidents, assisting with death benefit claims under SPVAT.
• Reembolso Despesas Médicas Reimbursement advisory service for medical expenses incurred by traffic accident victims, covering physiotherapy and other treatments.
• Indenização Seguro Terceiros Advisory service for third-party insurance compensation for victims injured by unidentified vehicles or drivers without valid insurance.
• Indenização para Funcionários Corporate advisory service helping businesses process SPVAT claims for employees injured in traffic accidents during work activities.
• Seguro Cartão de Crédito Advisory service helping credit cardholders understand and claim coverage benefits related to traffic accidents.
• Indenização Entregadores App Specialized advisory and claims service for delivery app riders (motoboys, cyclists) injured in traffic accidents, with expedited processing for this segment.
• Fisioterapia Vítimas de Trânsito Physiotherapy services provided on-site for traffic accident victims, integrated with the insurance claim process to maximize compensation outcomes.

Named customers2 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Centro de Defesa das Vítimas de Trânsito (CDVT)coreOthersSPVAT Brasil is the maintainer (mantenedora) of CDVT, an institution dedicated to defending the rights of traffic accident victims and their beneficiaries. This represents a social commitment beyond commercial services, with CDVT focused on accident prevention and victim advocacy.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Tokio Marine: Brazilian subsidiary of a global insurance group with significant auto and personal lines. Comparable as a broad incumbent whose auto claims infrastructure competes with independent SPVAT advisory firms for the same victim population.
• Zurich Brasil: Major global insurance carrier with auto and accident coverage in Brazil. Comparable as a broad incumbent whose accident and auto products serve the same customer base targeted by SPVAT Brasil's advisory services.
• SulAmérica: Major Brazilian insurance carrier offering life, health, and auto coverage. Comparable because it is a broad incumbent that, through its auto and benefits lines, serves the same underlying pool of traffic accident victims that SPVAT Brasil targets.
• Mapfre Brasil: Global insurance group operating in Brazil with auto and personal accident lines. Comparable as a broad-incumbent insurer that could absorb accident-victim advisory services into its own claims channel.
• HDI Seguros: Brazilian insurance carrier with auto and corporate lines. Comparable as a broad incumbent that processes its own auto and accident claims, competing for the same traffic-accident victims as SPVAT Brasil.
• Porto Seguro: One of Brazil's largest insurance and insurance-services groups, with auto and life lines that historically included DPVAT/SPVAT claims. Directly comparable as the type of large incumbent that could disintermediate an independent SPVAT advisor by offering in-house claims services.

Direct peers

• Youse: Brazilian digital insurance broker (backed by Caixa) selling auto and personal lines. Comparable as a direct peer in digital insurance advisory, with overlapping customer acquisition funnels (WhatsApp/SMS/SEO) and target customers.
• Minuto Seguros: Brazilian online insurance broker focused on auto and personal lines. Comparable as a direct peer that uses digital channels to help consumers buy and claim insurance, mirroring SPVAT Brasil's direct-to-consumer engagement model.
• 180 Seguros: Brazilian digital insurance broker that distributes auto and personal accident products online. Comparable as a direct peer in the digital insurance advisory/brokerage space, with a similar model of guiding consumers through coverage selection and claims.

Emerging players

• Justos: Brazilian digital insurer using a tech-led, direct-to-consumer model for auto insurance. Comparable as an emerging player in the Brazilian auto-insurance space that could encroach on SPVAT-style advisory services through embedded claims tooling.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/dpvatbrasiloficial
• Instagraminstagram.com/dpvatbrasiloficial
• LinkedInlinkedin.com/company/dpvat-brasil

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DPVAT Brasil