Familiar with Accident Insurance
Familiar with Accident Insurance - The deadly collision Jagorawi on 9 September 2013 involved Abdul Qodir Jaelani (Dul), son of famous musician Ahmad Dhani, still leaves the issue. It was related to insurance claims filed Ahmad Dhani.
The latest news in the mass media is Ahmad Dhani lawsuit to the insurance company Prudential, the reason, the insurance company rejected the claim for compensation or insurance claims filed musician. About the hustle bustle of legal cases related to the traffic accident insurance is not something new. In general, the issue becomes prolonged due to lack of public misunderstanding of how to use their rights properly and correctly based insurance contracts that have been agreed upon.
In relation to the case of the deadly collision involving Dul, then there are at least three types of insurance associated with the compensation issue, which motor vehicle insurance, personal accident insurance, and insurance services raharja. Insurance services raharja not discussed in this paper.
Motor Vehicle Insurance motor vehicle insurance policies are sold by insurance companies in Indonesia today is a standard auto insurance policy Indonesia ( PSAKBI ). The risks are secured by PSAKBI include loss or damage to the motor vehicle and or interest insured directly caused by the collision, collision, slip or fall, the evil deeds of others, other pencurian. Insurance is legal liability to third parties and passenger / driver.
In relation to the case of the deadly collision Dul, then the passengers of public transportation including public transportation vehicles as well as passengers Mitsubishi can also get compensation, because generally PSAKBI also provide for the expansion of third -party liability and passenger / driver. However, compensation is normally limited mostly between USD 10 million - 25 million to the overall risk of legal liability.
Society needs to be a record for that insurance policy is an indemnity deed of covenant. Same with the agreement in general, then the insurance policy also includes the terms and conditions of the agreement and includes the rights and obligations of the parties which is between the insurance company and the client / insured. PSAKBI, in addition to the load or set of risks that are guaranteed, also regulate risks that are not secured or excluded.
One of the exceptions contained in PSAKBI is " this insurance does not cover loss, damage, or expense and the motor vehicle and or legal liability to third parties if : at the time of the loss or damage, motor vehicle driven by someone who does not have a license driving ( driving license) in accordance with applicable laws and regulations, driven by a person who is under the influence of alcohol, drugs or something else harmful materials.
Personal Accident Insurance
Similarly, motor vehicle insurance policy srandar Indonesia, the personal accident insurance policies sold in Indonesia are generally also standard personal accident insurance policy of Indonesia ( PSAKDI ). PSAKDI ensure the risk of death, permanent record, and the cost of care or treatment that is directly caused by an accident. The accident is an event or events that contain elements of violence, both physical and chemical arrival of sudden, unintended or planned.
Accident in this case would include traffic accidents. PSAKDI also contain clauses that govern the policy exclusion. One of the risks or things that are excluded when tertangggung violate applicable laws and regulations.
Rules and regulations referred to in this policy is certainly one of the Law No. 22 Year 2009 on Traffic and Transportation Highway. Article 77 paragraph ( 1 ) of this Act says : " Any person driving a motor vehicle on the road is required to have a driver's license in accordance with the type of motor vehicle being driven. "
The latest news in the mass media is Ahmad Dhani lawsuit to the insurance company Prudential, the reason, the insurance company rejected the claim for compensation or insurance claims filed musician. About the hustle bustle of legal cases related to the traffic accident insurance is not something new. In general, the issue becomes prolonged due to lack of public misunderstanding of how to use their rights properly and correctly based insurance contracts that have been agreed upon.
In relation to the case of the deadly collision involving Dul, then there are at least three types of insurance associated with the compensation issue, which motor vehicle insurance, personal accident insurance, and insurance services raharja. Insurance services raharja not discussed in this paper.
Motor Vehicle Insurance motor vehicle insurance policies are sold by insurance companies in Indonesia today is a standard auto insurance policy Indonesia ( PSAKBI ). The risks are secured by PSAKBI include loss or damage to the motor vehicle and or interest insured directly caused by the collision, collision, slip or fall, the evil deeds of others, other pencurian. Insurance is legal liability to third parties and passenger / driver.
In relation to the case of the deadly collision Dul, then the passengers of public transportation including public transportation vehicles as well as passengers Mitsubishi can also get compensation, because generally PSAKBI also provide for the expansion of third -party liability and passenger / driver. However, compensation is normally limited mostly between USD 10 million - 25 million to the overall risk of legal liability.
Society needs to be a record for that insurance policy is an indemnity deed of covenant. Same with the agreement in general, then the insurance policy also includes the terms and conditions of the agreement and includes the rights and obligations of the parties which is between the insurance company and the client / insured. PSAKBI, in addition to the load or set of risks that are guaranteed, also regulate risks that are not secured or excluded.
One of the exceptions contained in PSAKBI is " this insurance does not cover loss, damage, or expense and the motor vehicle and or legal liability to third parties if : at the time of the loss or damage, motor vehicle driven by someone who does not have a license driving ( driving license) in accordance with applicable laws and regulations, driven by a person who is under the influence of alcohol, drugs or something else harmful materials.
Personal Accident Insurance
Similarly, motor vehicle insurance policy srandar Indonesia, the personal accident insurance policies sold in Indonesia are generally also standard personal accident insurance policy of Indonesia ( PSAKDI ). PSAKDI ensure the risk of death, permanent record, and the cost of care or treatment that is directly caused by an accident. The accident is an event or events that contain elements of violence, both physical and chemical arrival of sudden, unintended or planned.
Accident in this case would include traffic accidents. PSAKDI also contain clauses that govern the policy exclusion. One of the risks or things that are excluded when tertangggung violate applicable laws and regulations.
Rules and regulations referred to in this policy is certainly one of the Law No. 22 Year 2009 on Traffic and Transportation Highway. Article 77 paragraph ( 1 ) of this Act says : " Any person driving a motor vehicle on the road is required to have a driver's license in accordance with the type of motor vehicle being driven. "
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Insurance
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