UPAYA HUKUM BAGI PEMEGANG POLIS ASURANSI YANG MENGALAMI PEMUTUSAN SEPIHAK DITINJAU DARI PERATURAN OTORITAS JASA KEUANGAN TENTANG PERLINDUNGAN KONSUMEN SEKTOR JASA KEUANGAN

Abstract

This study discusses the legal efforts by policyholders who underwent termination of the policy unilaterally by the insurer / insurers. This study uses the method of normative juridical / doctrinal where as functioning legal norms (Law in the book) is by way of literature study, see the law as a function of the norm. The approach taken is the approach of the Act (Statue Approach), conceptual approaches that study jurists’ theory (Conceptual Approach) and the approach of the case (Case Approach). Accountability Financial Services Authority (FSA) and the insurance company and legal efforts on cases involving termination of a unilateral policy that refers to the standard clauses detrimental to the policyholder will be the main discussion of this thesis. This study aims to determine whether there are arbitrary practices of insurance companies in Indonesia and incompetence FSA in enforcing consumer protection rules the financial services sector. The results showed that the consumer protection law the financial services sector is rated only a sentence on paper that is not his real application. Too many cases of unilateral termination policies where the policyholder / insured must accept the outage ended without any significant resistance.