Analisis Yuridis Terhadap Tindakan Wanprestasi Dalam Pembayaran Klaim Pada Perjanjian Polis Asuransi PT Asuransi Allianz Life Indonesia (Studi Kasus Putusan Nomor 134/PDT.G/2023/PN MDN

Abstract

This research was conducted based on Decision Number 134/Pdt.G/2023/PN Mdn, in which it was found that there was a denial of claim payment by the insurer to the policyholder. Therefore, the author analyzes the legal events with the following problem formulation: how the rights and obligations of the parties in the policy, how are the legal provisions governing defaults in claim payments on insurance policy agreements in Indonesia, , and how is the analysis of the judge's consideration in Decision Number 134/Pdt.G/2023/PN Mdn on defaults in claim payments on insurance policy agreements. The type of research used in this research is normative juridical legal research using secondary data. The writing of this research is descriptive by using a statue approach and case approach by using the rules that were in effect at the time the legal event occurred and the rules that apply at this time. The research conducted by the author produces conclusions, namely first, the rights and obligations of the parties in the insurance policy have an important role in maintaining balance and justice in the contractual relationship. Second, default in the payment of claims on insurance policy agreements in Indonesia is regulated by the Civil Code and also Law Number 40 of 2014 concerning Insurance. Third, the insurer is proven to have made a default to the policyholder and must pay the insurance claim as agreed in the insurance policy.