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All Journal Arena Hukum Global Journal of Law, AI & Ethics (GJLAE)
Mulhadi Mulhadi
Universitas Sumatera Utara
Computer Science & IT Law, Crime, Criminology & Criminal Justice Other

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Misrepresentation Sebagai Fraud Dalam Perkara Kontrak Asuransi Yang Dilakukan Penanggung Mulhadi Mulhadi; Dedi Harianto
Arena Hukum Vol. 15 No. 1 (2022)
Publisher : Arena Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.arenahukum.2022.01501.4

Abstract

Perusahaan asuransi di Indonesia saat ini terjebak dalam stigma mencari premi setinggi-tingginya. Banyak agen tidak bekerja sesuai standar dan tidak menjelaskan secara rinci hak dan kewajiban pihak tertanggung. Penelitian ini bertujuan mengetahui misrepresentasi dan bentuk-bentuk misrepresentasi yang dilakukan oleh penanggung dalam perkara kontrak asuransi berdasarkan putusan-putusan pengadilan. Penelitian yuridis normatif ini menggunakan metode content analysis. Hasil menunjukkan bahwa penanggung gagal memberikan informasi mengenai pentingnya pemeriksaan kesehatan dalam kaitannya dengan asuransi jiwa, gagal menjelaskan hubungan antara kejujuran dalam mengungkapkan keadaan materil secara lengkap dengan risiko batalnya polis atau konsekuensi penolakan klaim asuransi ditolak, penanggung memberikan informasi keliru kepada pemegang polis dengan mengesankan selah-olah klaim bisa dilakukan dengan mudah hanya dengan photocopy bukti pengeluaran biaya rumah sakit, dan gagal menyajikan informasi bahwa polis hanya dapat ditutup untuk orang lain, jika calon tertanggungnya memiliki akta kelahiran dan tidak bisa digantikan dengan sebuah surat pernyataan.
Legal Protection for Marine Hull and Machinery Insurance Policyholders Against Default by Insurance Companies (Study of Decision Number 951/Pdt.G/2023/PN.Jkt Brt) Alisa Reynamora; Mulhadi Mulhadi; Zulfi Chairi
Global Journal of Law, AI & Ethics Vol. 2, No. 1, February 2026
Publisher : CV. Cognispectra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65917/gjlae.v2.i1.62

Abstract

Marine hull and Machinery insurance policyholders against claim rejections by insurance companies, as reflected in Decision Number 951/Pdt.G/2023/PN.Jkt.Brt. This study aims to analyze the factors causing default by insurance companies, the legal consequences that arise for policyholders, and the legal considerations of the panel of judges in providing legal protection. The research method used is normative juridical with a descriptive nature, through a statutory approach and a case approach. Data were obtained from a literature review of primary, secondary, and tertiary legal materials, which were analyzed qualitatively with deductive conclusions drawn. The results of the study indicate that rejections of marine hull and machinery insurance claims are caused by, among others, claims for risks not covered by the policy, including those included in policy exclusions, inaccurate information provided by the insured, and the unseaworthy condition of the vessel. However, in Decision Number 951/Pdt.G/2023/PN.Jkt.Brt, the panel of judges emphasized that rejection of claims made without a valid basis for agreement constitutes a form of breach of contract, so that the policyholder has the right to demand compensation for the insurer's failure to fulfill its obligations based on the principle of good faith in the insurance agreement
Co-Authors Alisa Reynamora Dedi Harianto