The math is simple and devastating: R$ 22 vs. R$ 195.23 — a difference of nearly 9 times. But the real cost of not setting things right goes far beyond the fine amount [1].
The Total Cost of Not Setting Things Right
| Item | With Resolution (TPU) | Without Resolution (Fine) |
|---|---|---|
| Amount paid | amount set by each city | R$ 195.23 |
| License points | 0 | 5 points |
| Record at the DMV (DETRAN) | No | Yes |
| Insurance increase | No | Yes (+10–30% on the annual premium) |
| Risk of license suspension | No | Yes (if you accumulate 20+ points) |
| Time spent | 2 minutes in the app | Hours of bureaucracy |
The Impact on Insurance
What few drivers know: a fine recorded at the DMV (DETRAN) can raise your car insurance premium by 10% to 30% at renewal. On a R$ 3,000/year policy, that means R$ 300 to R$ 900 more — because of an unpaid Zona Azul session [2].
The Final Tally
Scenario A (Resolves): R$ 22 + 0 points + 0 insurance impact = R$ 22
Scenario B (Doesn't resolve): R$ 195 + 5 points + R$ 300–900 in insurance = R$ 495–1,095
The real difference can reach 50 times the cost of setting things right.
Use Digipare to get alerts before expiration and resolve the situation instantly through the app if you forget. The technology exists to protect your wallet.