Perlindungan Hukum Terhadap Pemegang Polis Dalam Hal Penolakan Klaim Atas Kerusakan Aksesoris Kendaraan Bermotor Studi Di PT. Asuransi Ramayan Cabang Pekanbaru

Nurkumalasari, Debby (2021) Perlindungan Hukum Terhadap Pemegang Polis Dalam Hal Penolakan Klaim Atas Kerusakan Aksesoris Kendaraan Bermotor Studi Di PT. Asuransi Ramayan Cabang Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Insurance agreement made by PT. Ramayana with a policy number 36022218000882 with the insured is TN. USJ for vehicle purchases Mithsubshi Expander worth 2.24,000,000, - (Two hundred and twenty-four million rupiah). In implementing the insurance agreement, a problem arises, where First party PT. Ramayana does not want to pay insurance claims on policy numbers 36022218000882 with the insured is TN. USJ for damaged accessories rear bumper and side bumper of the vehicle. PT. The Ramayana argues that p it is the responsibility of PT. Ramayana, because it is based insurance agreement stated, but due to the absence of accessories sold separately and PT. Ramayana does not want to buy the complete price of accessories amount of Rp. 6.500.000, - and choose to buy perunit accessories this, so as to make the insured feel aggrieved by the attitude of PT. Ramayana the. The main problem of this research is a form of legal protection against Holders and Constraints in Getting Legal Protection Against Policyholder in case of rejection of claims for damage to vehicle accessories Motorized at PT. Ramayana Insurance Pekanbaru Branch. This type of research is an observational research by means of a survey, namely research that takes data directly from the population / respondent with conduct interviews as a data collection tool. Meanwhile, when viewed from In character, this research is descriptive, namely research that explains in the form of a clear and detailed sentence. Forms of Legal Protection Against Policyholders In Case Rejection of Claims for Damage to Motor Vehicle Accessories at PT. Insurance Ramayana Pekanbaru Branch, including protection for compensation, Protection of rights as consumers, protection of risk transfer. However in the insurance agreement between PT. Ramayana Insurance Pekanbaru Branch against Consumers as the insured still do not have legal protection for The consumer is the insured in this insurance agreement Obtaining Legal Protection Against Policyholders in the event of rejection Claims for Damage to Motor Vehicle Accessories at PT. Ramayana Insurance Pekanbaru branch, including: error from the PT. Ramayana Insurance Pekanbaru branch for not paying the dependency value listed in insurance agreement between PT. Ramayana Insurance Pekanbaru Branch with Consumers, hereinafter, is the fault of the insured party, namely consumers does not make an agreement in making an insurance agreement with PT. The Pekanbaru Branch of Ramayana Insurance, plus it did not ask for an explanation to the rights and obligations of each party to the insurance agreement.

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