Analisis Yuridis Terhadap Polis Asuransi Kendaraan Bermotor Pada PT. Asuransi Raya Cabang Medan

Abstract

The Insurance policy of motor vehicle at PT. Asuransi Raya branch of Medan is implemented based on Act No. 40 of 2014. In the standard of insurance policy of motor vehicle it described that the insured submit the written application as a base and an integrated part of insurance policy, the insurer will provide the compensation to the insured on all of loses or damaged on motor vehicles and or the covered interest based on the term and condition printed, recorded, attacked and or endorsement of a policy. In this writing of thesis, the reviewed problem is juridical analysis to the insurance policy of motor vehicle at PT. Asuransi Raya branch of Medan, low consequences if the insurer did not pay the insured the compensation up to the due date determined in the insurance contract at PT. Asuransi Raya branch of Medan, and procedure of claim on the loses of the insured to the insurance company of PT. Asuransi Raya branch of Medan. The applied method is normative method by using empirical data to obtain the primary data in order to study the condition in PT. asuransi Raya Branch of Medan through interview, and than arranged in systematical arrangement in thesis. The result of research indicates that the implementation of insurance policy of motor vehicle is based on the Act No. 40 of 2014 concerning to insurance and refers to the Financial Service Authority (OJK) in Circulation No. SE-06/D.05/2013 concerning to the Determining of premium rate. The insurer will provide the insured the compensation as determined in policy. The low consequence of insurer who did not pay the claim will get the sanction such as warning, limitation of business activity and the withdraw of business permit. The procedure of claim by provide the real information about the causal factor of accident, submit the identity of driver, and explanation letter from police if there is lost.