Warning: file_get_contents(https://ojs.journalbusiness.my/ojs.php): failed to open stream: HTTP request failed! HTTP/1.1 404 Not Found in /var/www/ojs.unud.ac.id_backup/lib/pkp/includes/functions.inc.php on line 4 Maryam, Tazkia Asshiva, & Sylvana Murni Deborah Hutabarat. " PERLINDUNGAN HUKUM KONSUMEN ASURANSI AKIBAT TIDAK DIPENUHINYA HAK PENGAJUAN KLAIM MELALUI JALUR LITIGASI." Kertha Semaya : Journal Ilmu Hukum [Online], 13.4 (2025): 721-736. Web. 28 Aug. 2026