Pelaksanaan Prinsip Subrogasi Dalam Perjanjian Asuransi Terhadap Klaim Ganti Rugi Kecelakaan Kendaraan Bermotor Pada PT. Sompo Insurance Indonesia Di Pekanbaru

Marshelina, Yola (2019) Pelaksanaan Prinsip Subrogasi Dalam Perjanjian Asuransi Terhadap Klaim Ganti Rugi Kecelakaan Kendaraan Bermotor Pada PT. Sompo Insurance Indonesia Di Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Insurance or coverage is an agreement, where the insurer ties himself to the insured by obtaining a premium, to give him compensation for a loss, damage, or loss, or not to get the expected benefits, which might be suffered because of an uncertain event. Everyone who owns a motorized vehicle, especially four-wheeled motorized vehicles, will face a risk in the form of damage, loss, or reduced value of the vehicle. These risks will clearly have a large impact on the person who experiences these losses. PT. Sompo Insurance Indonesia in Pekanbaru is an insurance company that offers a form of protection against motorized vehicles in the form of insurance that guarantees the overall risk of both damage and loss, except for what is referred to as an exception in the policy. In the insurance policy there are several basic principles of insurance, one of which is the principle of subrogation. The principle of subrogation is the replacement of the position insured by the insurer to a third party which causes a loss to carry out the rights of the insured. In everyday life the losses suffered by the insured are mostly caused by third parties. In that case the most important principle is the principle of subrogation. The main problem in this research is how the implementation of the principle of subrogation in the insurance agreement against motor vehicle accident compensation claims at PT. Sompo Insurance Indonesia in Pekanbaru and What are the Constraints for the Implementation of the Subrogation Principle in the Agreement on Insurance for Motor Vehicle Accident Compensation Claims at PT. Sompo Insurance Indonesia in Pekanbaru. This type of research is observation (observational research) which is conducted by means of a survey, which is conducting research directly to the location of research using a data collection tool in the form of interviews and questionnaires. While seen from its nature is descriptive analytical, which means that the research intended to provide a detailed, clear, and systematic description of the main problems of the study. From the results of this study it can be concluded that, the implementation of the principle of subrogation in the insurance agreement against compensation claims for motor vehicle accidents at PT. Sompo Insurance Indonesia in Pekanbaru is not fully implemented and implemented properly by the insurance and the insured. Then there were some obstacles from the insurance party and the insured party that caused the subrogation principle to not be implemented. The insurance has obstacles in terms of time, energy, and operational costs to implement these principles. As well as confessing the lack of assistance and cooperation from the guarantor to implement the subrogation principle. The lack of socialization and explanation of the principle of subrogation from the insurer to the guarantor is also one of the reasons why the principle of subrogation is not implemented well, because many of the insured do not know what the principle of subrogation is.

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