LEGAL REVIEW OF THE INSURED'S CLAIMS AGAINST ACCIDENT RISK IN THE MOTOR VEHICLE INSURANCE AGREEMENT AT PT. TOKIO MARINE INDONESIA INSURANCE

Motor vehicle damage due to accidents, then every owner and driver cannot be sure what will happen in the future so that it is insured. It is concluded that the insured's obstacles in submitting a claim if there is a risk of accident in the motor vehicle insurance agreement at PT. Asuransi Tokio Marine Indonesia are inactive policies, damage occurs before the insurance period, incomplete documents, risks are not guaranteed in the policy, exceeding the claim submission deadline, and committing a violation of the law. The efforts made are to first make efforts to resolve the matter through deliberation and if no agreement is reached, it is resolved through the courts. Therefore, it is recommended that the regulation of the legal relationship between PT. Asuransi Tokio Marine Indonesia and the insured in the motor vehicle insurance agreement should provide detailed information regarding the cooperation contract to avoid cross-disputes in the future.