Pelaksanaan Asuransi Tanggung Jawab Hukum Pihak Ketiga Terhadap Ganti Kerugian Kendaraan Bermotor Roda Empat Di PT. Jasa Raharja Putra Cabang Pekanbaru

Yandro, Nofi (2022) Pelaksanaan Asuransi Tanggung Jawab Hukum Pihak Ketiga Terhadap Ganti Kerugian Kendaraan Bermotor Roda Empat Di PT. Jasa Raharja Putra Cabang Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

The risks that often occur on the highway are 2 (two), 4 (four) or more wheeled motor vehicle accidents which can cause harm to oneself and others. An insurance policy is a form of proof for an insured who claims his rights at an insurance company. The responsibility of third parties is regulated by law number 40 of 2014 concerning insurance which lies in article 1 paragraph 1 (one) letter (a) which states: provide compensation to the insured or policyholder for losses, damages, costs incurred, loss of profits, or third party legal liability that may be suffered by the insured or policyholder due to an uncertain event. The main problem in this research is how the implementation of the payment of third party liability insurance compensation for four-wheeled motorized vehicles at PT. Jasaraharja Putera Pekanbaru Branch, and how is the legal responsibility of PT. Jasaraharja Putera Pekanbaru Branch against third parties who experience damage to third party legal liability insurance. The type of research used in this research is observational research. In this way, the research was carried out at the location using a data collection tool, namely interviews (5 people), while in terms of the nature of this research it is descriptive in nature, namely providing a clear and detailed description of the main problem under study then drawing conclusions using the deductive method. Based on the analysis that has been carried out, it can be concluded as follows: the implementation of insurance claims for four-wheeled motorized vehicles has been running with the agreed policy with the insured, PT. Jasaraharja Putera has carried out the requirements agreed in the cooperation agreement with partner workshops. The lack of understanding of third parties is the trigger for this problem. But PT. Jasaraharja Putera Pekanbaru Branch has informed a third party that PT. Jasaraharja Putera Pekanbaru Branch is responsible for damage to the third party's four-wheeled motorbikes in the amount of 10% (ten percent) of the total damage to partner workshops.

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