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Journal : Acten Journal Law Review

Tanggung Jawab Asuransi Astra Terhadap Tertanggung Atas Kehilangan Sepeda Motor Yang Masih Dalam Proses Kredit Purwasaputri, Bella Adinda; Yasa, I Wayan; Kusuma, Ajeng Pramesthy Hardiani
Acten Journal Law Review Vol. 1 No. 3: Dec 2024
Publisher : PT Matra Cendikia Abadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71087/ajlr.v1i3.8

Abstract

The Insured receives goods in the form of a motorbike on credit and then installments are made to complete the payment in full in accordance with the policy agreement between the Astra Insurance Company and the Insured. The Insurer's guarantee for loss or damage to motor vehicles provided to the Insured in the policy is coverage for collision, impact, overturning, falling over, wrongdoing, malicious acts, theft preceded or followed by acts of violence, fire, wheel damage due to accidents, and reasonable costs incurred for maintenance or transportation to a repair shop. The responsibility provided by Astra Insurance is based on the Standard Indonesian Motor Vehicle Insurance Policy based on partial loss or total loss. The insurance claim given is in cash, according to the market price of the motorbike at the time of the incident minus the amount of outstanding installment debt. The method used in this research is normative juridical legal research. The focus of legal research is by examining the application of rules or norms in applicable positive law. The author uses a statutory regulatory approach and a conceptual approach. The result of study is the liability given based on partial loss is calculated based on the cost of repairs required or replacement of damaged vehicle parts, and the total loss given is calculated based on the actual price, namely the market price of the motor vehicle at the time of the loss. Insurance claims given by Astra Insurance are in the form of cash, not in the form of vehicle units according to the initial installment contract. Astra Insurance will replace a number of losses with money based on the market price of the motorbike at the time of the incident minus the amount of installment debt still owed. Keywords : Astra Insurance ; Credit; Insurance Rerponsibility.
Co-Authors Adi Wibowo, Yusuf Agastya, Dewandha Mas Agus Suroso Agustono Setiawan Akbar, Tabrani Akmaludin Akmaludin, Akmaludin Alit, I Dewa Made Ananta, Muhamad Jefri Bagus Budianto, Muhammad Bakti, Lalu Arifin Aria Bawu, Mario Alfredo Budianto Budianto BUDIANTO, M. BAGUS Budianto, Muh Bagus Cindy Gayatri, Annisa Zerlina Desi Widianty Dewi, Kurnia Didi Supriyadi Agustawijaya Dominikus Rato Eko Pradjoko Emi Zulaika Ery setiawan Fendi Setyawan Ferdiansyah Putra Manggala Galuh Puspaningrum, Galuh H.K, Ajeng Pramesthy Hanifah, Lilik Hardiani K, Ajeng Pramesty Hardiyanti, Ernita Hartana Hartana, Hartana Hasyim hasyim, hasyim Heri Sulistiyono, Heri Hikmawati, Cahya Agustianing Durrah Humaira, Ani Fatin Humairoh Saidah I Dewa Gede Jaya Negara I Wayan Joniarta I Wayan Suteja Ida Ayu Oka Suwati Sideman Isnaniar Jamadi, Yasin Jaya Negara, I Dewa Gede JAYANEGARA, I DEWA GEDE Julio, Ryan Bagus Karmila Santi, Ni Made Karyawan, I Dewa Made Alit Khantasilo, Ananda Kholilah, Iin Nur Kusuma, Ajeng Pramesthy Hardiani Liaturrahman, Noval M Adriani Harefa, Jemi M. Bisri Mahendra, Made Mas Agastya, Dewandha Merdana, I Nyoman Muhajirah NEGARA, I D G JAYA Nurardianingsih Nurrachman Osama Riza Rozaldi Pathurahman PRACOYO, ATAS PRAJNA D, KADEK AGUS Pratiwi, Debbry Eka Nuradityas Purwasaputri, Bella Adinda Puspitho Andini, Pratiwi PUTRA, IDA BAGUS GIRI Putri, Fadila Rahmatika Putri, Linda Cristina Putri, Rizky Emayantiara Rahmadi Indra Tektona RAI K W, I G AGUNG NGURAH Ramdani, Rifki Rara Putri Indraswari Ratna Yuniarti Rohani Rohani Rohani Rozaldi, Osama Riza Saidah, Humairoh Sakroni, Abd Azis Saleh, Ramdan Salehuddin Salehudin Salehudin, Salehudin Santyaningtyas, Ayu Citra Sasmita, Anggi Sholichin, M. Sideman, IAO Suwati SOEKARNO, SASMITO Solihin Sujito Sujito Suparjo Supriyadi , Anid SUPRIYADI, ANID Syntia Dewi, Evrianti Ussy Andawayanti Veithzal Rivai Zainal Wahyudi, Mudji Wardana, I G A N K WIRADARMA, LALU WIRAHMAN WIRADHARMA, LALU WIRAHMAN Yusron Saadi Yusuf Adiwibowo, Yusuf