Rejection of Accident Insurance Claims by Insurance Companies

Berto Tegar Samudera(1),


(1) Legal Observer
Corresponding Author

Abstract


Insurance is a form of compensation for the occurrence of uncertain risks and the delegation of responsibility to bear those risks. The event of this risk is uncertain because it depends on uncertainty. The transfer of risk is carried out by making an insurance agreement or insurance agreement. The first party is usually referred to as the insured. The second is the party willing to accept the risk of the first party by accepting a payment called a premium. Risk takers are often referred to as insurance companies. The research method used in this study uses a legal approach research method (statute approach) and a conceptual approach (conceptual approach). Based on the results of this study, the researcher states that the basis or cause of the rejection of an insurance agreement is because the insurance agreement is a conditional agreement, where the insurer only bears the loss suffered by the insured party following the terms of the event that resulted in the loss to the insured as agreed, by the parties in the insurance agreement. Or the insured party does not carry out its obligations to pay premiums to the insurer. The legal remedy that the insured party can take if the insurer rejects the claim is to file a lawsuit at the local District Court, as regulated in Article 23 of Law no. 8 of 1999. It can be completed through the BMAI institution.

Keywords: Insurance, Claim, Dispute Resolution.


References


Aditama Setya Prakoso. “Polis Asuransi Jiwa Sebagai Alat Bukti Penuntutan Klaim Dalam Perjanjian Asuransi Jiwa (Studi Di PT Asuransi Jiwasraya Semarang Timur).” Diponegoro Law Journal Vol. 5 (2016).

Emmy Pangaribuan Simanjuntak. Hukum Pertanggungan Dan Perkembangannya. Yogyakarta, 1990.

Hartono, Sri Rejeki. Hukum Asuransi Dan Perusahaan Asuransi. Jakarta: Sinar Grafika, 2001.

Hilda Yunita Sabrie. “Pembayaran Klaim Asuransi Jiwa Akibat Tertanggung Bunuh Diri.” Jurnal Yuridika Vol. 26 No (2011).

Joko Trilaksono. Perlindungan Hukum Pemegang Polis Asuransi Terhadap Kendaraan Bermotor Dalam Angkutan Penyeberangan, n.d.

M. Abdul kadir. Hukum Acara Perdata Indonesia. Bandung: Citra Aditya Bakti, 1990.

Putra, Fani Martiawan Kumara. “Characteristic of Preliminary Rights For Insured in Getting Repayment of Losses on Bankrupt Insurance Companies.” Perspektif 22, no. 2 (2017): 180–89.

Putra, Fani Martiawan Kumara. “Urgency of Notary Engagement as a Limitation on the Freedom of Contracts on the Pre-Project Selling Events.” Perspektif 24, no. 2 (2019): 101–17.

Wardana, Kun Wahyu. Hukum Asuransi-Proteksi Kecelakaan Transportasi. Bandung: Mandar Maju, 2009.

Wery, P.L. Hoofzaken van Het Verzekeringsrecht. Deventer: Kluwer B.V, 1984.


Full Text: PDF

Article Metrics

Abstract View : 26 times
PDF Download : 19 times

DOI: 10.30742/nlj.v18i2.1585

Refbacks

  • There are currently no refbacks.


Copyright (c) 2021 NORMA

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.