Authors:
Selvi Harvia Santri
;
Syafiadi
and
Erlina
Affiliation:
Department of business law, Universitas Islam Riau, Pekanbaru, Riau, Indonesia, Indonesia
Keyword(s):
Insurance, Policy, Proxima cause, Evenement, Compensation.
Abstract:
Companies that accept risk transfer from the insured are insurance companies. Losses suffered by the insured due to an event must be stated in the policy. Policies that are approved by the insured and insurance companies must explain the principles of insurance law, one of the important principles in insurance law is Proximacause. Proximacause is used to measure or assess the liability of an insurance company to provide compensation to the insured, caused by events experienced by the insured. If the cause or event that causes the loss is not guaranteed in the policy, compensation costs cannot be paid by the insurer to the insured. Payment of compensation made by the guarantor is limited only to events that are guaranteed in the policy, if excluded in the policy. policy, compensation cannot be paid by the guarantor. This paper aims to find out what are the regulations governing Proximacause and how to apply the Proximacause principle for loss insurance in accordance with Trade Law and
regulation No. 40 of 2014. This paper is based on empirical juridical methods. analyze regulations and observations in the field.
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