Tinjauan Hukum Terhadap Penyusutan Pembayaran Ganti Kerugian Asuransi Kebakaran Di PT Asuransi Bangun Askrida Cabang Pekanbaru

Zarifah, Nadila (2019) Tinjauan Hukum Terhadap Penyusutan Pembayaran Ganti Kerugian Asuransi Kebakaran Di PT Asuransi Bangun Askrida Cabang Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

At this time insurance is no stranger to people's lives, one of which is fire insurance. In fire insurance, if every insured will file a claim later they will experience a depreciation of payment, depreciation or depreciation does already exist in every fire insurance. Depreciation in question is a reduction in the value of compensation. Therefore there is a shrinkage that is in fire insurance because there is already a stipulation in the policy. But the details of the depreciation were not given to the insured. The main problem in this study is related to how the procedure for payment of compensation for fire insurance that has been depreciated at PT Asuransi Bangun Askrida and how to determine the cost of fire insurance compensation depreciation at PT Asuransi Bangun Askrida. The type of research used by the authors in this study is observation research. While the nature of the research is descriptive analysis which is to provide a clear and systematic picture of the problem received and also to collect data with the results of the interview. Based on the data collected, it can then be analyzed according to the title of the legal review of the fire insurance compensation payment reduction at PT Asuransi Bangun Askrida, Pekanbaru branch. Based on the results of research conducted, the procedure for payment of compensation for fire insurance that has been depreciated at PT Asuransi Bangun Askrida Pekanbaru Branch by completing the requirements of documents and evidence of buildings or houses that have been damaged by fire. As for how to determine the cost of fire insurance compensation depreciation that already exists the provisions set out in the fire insurance policy. Each company has a different percentage regarding depreciation, but in PT wake insurance askrida set 3% of depreciation. which later the cost of compensation provided to the insured is an agreement between the two parties.

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