Lestari, Delvia (2023) Pelaksanaan Pembayaran Ganti Kerugian Total Loss Only Kendaraan Bermotor Di PT. Asuransi Raksa Pratikara Kota Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Insurance agreement mutually agreed by PT. Raksa Pratikara Insurance with consumers (customers) is a vehicle insurance insurance agreement. The vehicle guarantee referred to in this insurance agreement is a vehicle guarantee with the principle of Total Los Only. Insurance agreement made by PT. Raksa Pratikara Insurance with the insured for the purchase of a Toyota Fortuner vehicle. In the implementation of the insurance agreement a problem arises, where the First party PT. Asuransi Raksa Pratikara does not want to pay insurance claims for the insured vehicle that suffered damage to the front of the Toyota Fortuner car due to a single accident that occurred in Tambusai Utara Village, Rokan Hulu Regency. The Toyota Fortuner vehicle driven by the Insured crashed into a palm tree belonging to a resident at 04.00 WIB in the morning and caused the front bumper to be destroyed, the hood opened, the Air Bag opened and could no longer be turned on (totally dead). Based on the background of the problem that the author described above, the authors first determine how the implementation of compensation payments for total loss only motor vehicles at PT. Asuransi Raksa Pratikara Pekanbaru City and what are the obstacles in the implementation of compensation payments for total loss only motor vehicles at PT. Asuransi Raksa Pekanbaru City Pratikara. This writing, when viewed from the type of research, can be grouped into Sociological research conducted by survey, namely research directly to the research location using data collection tools in the form of interviews. Meanwhile, if viewed from its nature, this writing is descriptive, which means the research is intended to provide a detailed, clear and systematic description of the main research problems. Obstacles in the implementation of compensation payments for total loss only for motorized vehicles at PT. Asuransi Raksa Pratikara Pekanbaru City include: an error on the part of PT. Asuransi Raksa Pratikara for not paying the dependent value stated in the insurance agreement between PT. Asuransi Raksa Pratikara with consumers, next is the fault of the insured, namely consumers who do not make an agreement in making an insurance agreement with PT. Asuransi Raksa Pratikara, plus it does not ask for an explanation of the rights and obligations of each party in the insurance agreement. Then the last is the inappropriate use of foreign languages in the insurance agreement, because in the Regulation of the Minister of Finance Article 10 paragraph (2) of the Decree of the Minister of Finance of the Republic of Indonesia Number 422/KMK.6/2003 concerning the Operation of Insurance Companies and Reinsurance Companies above, which states that if necessary, the insurance policy can be made in a foreign language side by side with Indonesian.

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