Farhan Abizar, Revi Fauzi Putra Mina

Tanggung Jawab Hukum Agen Asuransi Terkait Perbuatan Melawan Hukum dalam Pelaksanaan Pembayaran Premi oleh Nasabah Asuransi Jiwa

Introduction

Tanggung jawab hukum agen asuransi terkait perbuatan melawan hukum dalam pelaksanaan pembayaran premi oleh nasabah asuransi jiwa. Menganalisis tanggung jawab hukum agen asuransi dan perusahaan asuransi atas perbuatan melawan hukum, seperti pemalsuan polis, serta perlindungan hukum bagi nasabah asuransi jiwa.

Abstract

Penelitian ini membahas kasus pelanggaran yang dilakukan oleh agen asuransi PT Asuransi Jiwa Sinarmas MSIG (Life) terhadap tertanggung sebagai korban perbuatan melawan hukum berupa pemalsuan polis asuransi. Tujuan penelitian adalah: (1) menganalisis bentuk perlindungan hukum bagi tertanggung terhadap tindakan agen yang melanggar asas itikad baik; dan (2) menelaah tanggung jawab hukum pihak penanggung atas kerugian yang timbul akibat perbuatan melawan hukum oleh agen asuransi. Metode yang digunakan adalah penelitian yuridis normatif dengan pendekatan perundang-undangan dan studi kasus. Bahan hukum yang digunakan meliputi bahan hukum primer, sekunder, dan tersier, yang dikumpulkan melalui studi kepustakaan terhadap peraturan perundang-undangan dan literatur terkait. Hasil penelitian menunjukkan bahwa pertanggungjawaban agen asuransi terhadap perbuatan melawan hukum menimbulkan kerugian serius bagi tertanggung sehingga memerlukan penegakan hukum yang tegas. Perusahaan asuransi, seperti AJB Bumi Putera 1912, harus mengambil sikap tegas terhadap pelanggaran yang dilakukan oleh agen, bukan membiarkan atau menormalisasi tindakan yang merugikan nasabah.

Review

The paper, "Tanggung Jawab Hukum Agen Asuransi Terkait Perbuatan Melawan Hukum dalam Pelaksanaan Pembayaran Premi oleh Nasabah Asuransi Jiwa," addresses a critical issue concerning the legal responsibilities of insurance agents and the protection of policyholders. It specifically investigates a case where an agent from PT Asuransi Jiwa Sinarmas MSIG (Life) engaged in unlawful conduct, including the forgery of insurance policies, causing harm to the insured. The research sets out to achieve two main objectives: first, to analyze the forms of legal protection available to policyholders against agents who violate the principle of good faith; and second, to scrutinize the legal accountability of the insurer for losses arising from such illicit actions by their agents. Employing a normative juridical research methodology, the study utilizes statutory and case study approaches to achieve its objectives. The authors gathered primary, secondary, and tertiary legal materials through a comprehensive literature review of relevant legislation and academic works. The findings reveal a significant concern: the unlawful acts committed by insurance agents can lead to serious financial detriment for the insured, thereby necessitating robust and stringent enforcement of legal provisions. The research strongly emphasizes that insurance companies, citing AJB Bumi Putera 1912 as an example of a company that *should* act decisively, are obligated to take firm stances against agent transgressions, rather than condoning or normalizing behavior that harms their customers. This study makes a valuable contribution by shedding light on the urgent need for enhanced legal protection for insurance policyholders and for clear accountability mechanisms within the insurance industry. Its focus on the detrimental impact of agent misconduct and the corresponding responsibility of the insurer provides important insights for both legal practitioners and regulatory bodies. The call for insurance companies to adopt a firm approach against violations is particularly pertinent, highlighting a systemic issue where the normalization of harmful practices can erode public trust and severely impact consumer welfare. This research clearly lays the groundwork for future discussions on strengthening ethical conduct and legal oversight in the insurance sector.

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