Faktor-Faktor yang Mempengaruhi Kewajiban Penanggung pada Pertanggungan Kebakaran di Kotamadya Semarang

Abstract

The objectives of this research is to find out the factors which influencing the insurer obligation concerning fire insurance claims, in the municipality of Semarang, including the law base or another rules which has interlaced with fire insurance. This research carried out because under certain conditions, in the event of an incident causing a loss or damage to’ the property insured, the company is not obliged to indemnify the claim. ‘In that case a comprehensive analysis including a juridical one should be carried out.

This research is a juridical normative and descriptive research which as carried out by analysing and reading books as well as scientific paper such as seminars, simposium and also analysing the available fire insurance regulation which are known as library study. Besides the library research, field research is also done through interviews. ‘The interviews are the Insurance Managers from 12 (twelve) differents fire insurance. Questionaires are also drawn from Insurance Manager and from 60 ( sixty ) policyholder in the municipality of Semarang.

In the juridical analysis it can be concluded that the implementation of the obligation concerning fire insurance claims, in the municipality of Semarang is influenced — by many factors. This might be caused by the fact that the policyholder is not well versed in the policy conditions, covering his rights and obligation as a policyholder at the time he takes an insurance contract, as well as at the time when an event occurs on his property insured.

In fact, that the rules governing the fire insurance claims is now regarded to be already out of date, so as to give many possibilities for deviations in its implementation, as these regulation do not meet the needs and conditions of the community today.

In order to anticipate, many revisions and amendments should be made in the field of fire insurance, so that the common people appreciate more its benefits and supports it, for the continuation and acceleration of national construction now under way