Penerapan Hak Subrogasi Dalam Perjanjian Asuransi Kendaraan Bermotor Atas Kerugian Akibat Kesalahan Pihak Ketiga

Abstract

ABSTRAK

Tujuan dari penelitian ini untuk mengetahui penerapan hak subrogasi dan tanggung jawab perusahaan asuransi terhadap kerugian tertanggung ketika gagal mendapatkan hak subrogasi akibat kesalahan pihak ketiga di PT. Pan Pacific Insurance Denpasar dan PT. Asuransi TRIPA Denpasar. Metode Penelitian yang diterapkan ialah metode penelitian hukum empiris dengan pendekatan undang-undang dan fakta, serta menggunakan teknik analisa kualitatif. Skripsi ini mengkaji tentang kesesuaian peraturan perundang-undangan tentang penerapan hak subrogasi pada PT. Pan Pacific Insurance Denpasar dan PT. Asuransi TRIPA Denpasar dan bagaimana tanggung jawab perusahaan tersebut apabila gagal menerapkan hak subrogasinya tersebut. Hasil analisa dari penelitian ini adalah PT. Pan Pacific Insurance Denpasar dan PT. Asuransi TRIPA Denpasar sangat sulit untuk menerapkan hak subrogasinya hal ini disebabkan karena dianggap menghabiskan waktu dan biaya yang lebih banyak, sehingga dianggap tidak efisien. Tanggung jawab dari PT. Pan Pacific Insurance dan PT. Asuransi TRIPA Denpasar apabila gagal menerapkan hak subrogasinya adalah dengan tetap mengcover kerugian tertanggung berdasarkan paket asuransi yang dipilih.

Kata Kunci: Subrogasi, Hak Subrogasi, Asuransi, Kendaraan Bermotor, Pihak Ketiga

ABSTRACT

The purpose of this study is to determine the application of the right of subrogation and the responsibility of the insurance company to the loss of the insured when it fails to obtain the right of subrogation due to the fault of a third party at PT. Pan Pacific Insurance Denpasar and PT. Denpasar TRIPA Insurance. The research method applied is an empirical legal research method with a law and fact approach, as well as qualitative analysis techniques. This thesis examines the suitability of the laws and regulations regarding the application of subrogation rights at PT. Pan Pacific Insurance Denpasar and PT. TRIPA Denpasar Insurance, what is the company's responsibility if it fails to implement its subrogation rights. The results of the analysis of this study are PT. Pan Pacific Insurance Denpasar and PT. TRIPA Denpasar Insurance is very difficult to implement its subrogation rights, this is because it is considered to spend more time and costs, so it is considered inefficient. Responsibilities of PT. Pan Pacific Insurance and PT. TRIPA Denpasar Insurance if it fails to apply its subrogation rights is to continue to cover the insured's losses based on the selected insurance package.

Keywords: Subrogation, Subrogation Rights, Insurance, Vehicle, Third Parties