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Sri Maharani Mardianingrum
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PERTANGGUNG JAWABAN HUKUM TERHADAP PERJANJIAN ASURANSI KENDARAAN BERMOTOR AKIBAT HILANGNYA OBJEK PERTANGGUNGAN Shamara Qanita; Sri Maharani Mardianingrum
Jurnal Ilmiah Wahana Pendidikan Vol 9 No 11 (2023): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.8098583

Abstract

Insurance or insurance agreement is an agreement that provides protection against an event that occurs unplanned or cannot be known at the time of the agreement. In the agreement, there are legal subjects who bind themselves to each other in the insurance agreement, namely the insurer and the insured, each of whom has rights and obligations. All agreements that have been agreed upon by both parties are stated in a deed, namely a policy. The insurance policy must have provisions as stipulated in Article 1320 of the Indonesian Civil Code. The author adopts a normative legal methodology, doing research and drawing conclusions from existing works of literature, statutory and regulatory legislation, and insurance contract clauses. Written work by the author leads to the conclusion that, in the event of a covered loss, the insurer will pay the insured the full amount specified in the policy, regardless of who is at fault for the loss, but that the insurer will not pay out if the policy lacks provisions for classifying losses caused by the insured.
PERLINDUNGAN HUKUM PEMEGANG POLIS ASURANSI DALAM MENYELESAIKAN SENGKETA KLAIM ASURANSI Windy Juli Astuti Ningtyas; Sri Maharani Mardianingrum
Jurnal Ilmiah Wahana Pendidikan Vol 9 No 11 (2023): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.8098612

Abstract

It's a reality of life that everyone will eventually be put in danger, whether by other humans or by the forces of nature (in the form of floods, earthquakes, and so on). Insurance is one kind of risk transfer and is often regarded as the best method to manage risk. Having life insurance involves setting aside money in the event of an emergency, which may help to replace lost income. Insurance and other forms of savings may protect a family from financial ruin in the event of an unexpected loss of income. Normative legal research methodology was applied for this study. The discussion's findings demonstrate the interconnectedness of Indonesia's legal protection legislation for policyholders, forming a kind of legal umbrella under which policyholders may exercise their rights. The Indonesian Insurance Mediation and Arbitration Agency (BMAI) may be contacted if a disagreement arises during the claims procedure.
Co-Authors Shamara Qanita Windy Juli Astuti Ningtyas