{"id":3656,"date":"2020-12-03T15:54:41","date_gmt":"2020-12-03T18:54:41","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=3656"},"modified":"2026-01-12T11:08:35","modified_gmt":"2026-01-12T14:08:35","slug":"danos-corporais-e-danos-morais","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/danos-corporais-e-danos-morais\/","title":{"rendered":"Seguro para danos corporais inclui danos morais?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.20.0&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Conte\u00fado&#8221; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>\u00c9 bastante comum ter ap\u00f3lices de seguro com coberturas para dano corporal e dano moral. Mas o que isso quer dizer?<\/p>\n<h4>Danos Corporais<\/h4>\n<p>Nos contratos de seguro, dano corporal \u00e9 toda e qualquer forma de les\u00e3o f\u00edsica ou sequela causada ao corpo de uma pessoa. Al\u00e9m disso, morte e invalidez tamb\u00e9m est\u00e3o cobertas nessa modalidade.<\/p>\n<h4>Danos Morais<\/h4>\n<p>J\u00e1 os danos morais representam preju\u00edzos imateriais, como o abalo ps\u00edquico, intelectual ou moral que uma pessoa sofre, seja ele por ataque \u00e0 honra, intimidade, imagem, nome, privacidade ou at\u00e9 mesmo f\u00edsico.<\/p>\n<p>A repara\u00e7\u00e3o dos danos \u00e9 feita por meio de uma compensa\u00e7\u00e3o financeira \u00e0 v\u00edtima. <strong>Exceto quando h\u00e1 cl\u00e1usula expressa de exclus\u00e3o na ap\u00f3lice do seguro. <\/strong>Frequentemente, quando contratada uma cobertura de dano corporal, o dano moral \u00e9 risco exclu\u00eddo; e quando coberto, h\u00e1 uma cl\u00e1usula independente, com verba espec\u00edfica para preju\u00edzos morais. Isso significa que, em caso de sinistro, ir\u00e1 prevalecer o valor definido na cl\u00e1usula que se refere ao tipo de dano sofrido pela v\u00edtima.<\/p>\n<p>Por essa raz\u00e3o, ao avaliar um seguro de terceiros, tire todas as suas d\u00favidas com o consultor e esteja atento \u00e0s coberturas previstas na ap\u00f3lice. O mesmo vale danos materiais.<\/p>\n<p>Siga a It&#8217;sSeg no <a style=\"font-size: 14px;\" href=\"https:\/\/www.linkedin.com\/company\/it'sseg\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a><span style=\"color: #666666; font-size: 14px;\"> e fique por dentro das novidades!<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c9 bastante comum ter ap\u00f3lices de seguro com coberturas para dano corporal e dano moral. Mas o que isso quer dizer?<\/p>\n","protected":false},"author":1,"featured_media":3658,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[39],"tags":[19],"class_list":["post-3656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguros","tag-gestao-de-riscos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Seguro para danos corporais inclui danos morais? - Insights \/ Acrisure<\/title>\n<meta name=\"description\" content=\"Seguro: entenda diferen\u00e7as entre cobertura de danos corporais e danos morais e saiba como se proteger em ambas as situa\u00e7\u00f5es.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/acrisure.com.br\/insights\/danos-corporais-e-danos-morais\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Seguro para danos corporais inclui danos morais? 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