Perlindungan Hukum Terhadap Tertanggung Atas Penolakan Klaim Asuransi Kendaraan Bermotor Di PT. Asuransi Multi Artha Guna Cabang Pekanbaru

Margaretha, Margaretha (2019) Perlindungan Hukum Terhadap Tertanggung Atas Penolakan Klaim Asuransi Kendaraan Bermotor Di PT. Asuransi Multi Artha Guna Cabang Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Legal protection for insurance policy holders is very important, because it is associated with standard contractual practices in the insurance agreement, in essence since the signing of the insurance policy, the insured has actually lacked legal protection because the contents or format of the agreement are more beneficial to the insurance company. The unequal position between the insurance policy holder and the insurance company as the application of the standard agreement, causes the legal protection function of the insurance policy holder to be questioned. The main problem of this research is First, How is the legal protection for the rejection of motor vehicle insurance claims at PT. Multi Artha Guna Insurance? Second, What are the reasons for rejecting motor vehicle insurance claims at PT. Multi Artha Guna Insurance. This study is an observational research by survey research, while its nature is descriptive, which is where this study provides an overview of a complete, detailed and clear statement of legal protection for the rejection of motor vehicle insurance claims at PT. Multi Artha Guna Insurance. Form of legal protection for the rejection of motor vehicle insurance claims at PT. Multi Artha Guna Insurance is two ways that can be done preventively and repressively, where if the insured has not received a claim or is not satisfied, then this insurance claim case will be a problem and can be resolved according to the agreement by being resolved through deliberation to reach consensus or through litigation and Indonesian Insurance Mediation Board (BMAI). Then if this cannot be resolved, then you can submit a lawsuit to the court, and the cause of the rejection of motor vehicle insurance claims at PT. Multi Artha Guna Insurance is due to not completing the required documents, the deadline set for filing a claim has passed, the function of the vehicle has changed from the initial agreement, the incident that happened to the car is not included in the risk insured by insurance, the name listed on the policy is different, violation of law. But when compared with the case of the insured RS and ZA should not be included in the category that can be rejected by the insurance, because the incident that occurred was purely a theft case, but the claims filed by the insured are still rejected on the grounds that the claim is not a legal responsibility that must be implemented by the guarantor because the events that occur are not included in the exclusion clause, namely refusing the loss of a motorized vehicle resulting from theft by stating the case is a fraud incident.

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