Legal Protection for Policyholders in Motor Vehicle Insurance
DOI:
https://doi.org/10.70826/jcisnu.v2i2.847Keywords:
legal protection, policyholder, vehicle insurance, insurance claims, dispute resolutionAbstract
This study examines legal protection for policyholders in motor vehicle insurance using
a literature review approach. Legal protection is a crucial aspect of the relationship
between insurance companies and policyholders, particularly in guaranteeing the rights
that policyholders should receive as stipulated in the insurance policy. This study
highlights the role of law in protecting against potential injustice arising from claim
rejections or discrepancies between promised services and actual performance. This
study also explores the basic principles of insurance contracts, the obligations of
insurance companies, and the rights of policyholders. Furthermore, it discusses the
forms of dispute resolution available when disputes arise between policyholders and
insurance companies, both through litigation and non-litigation mechanisms. The
results of this literature review indicate that legal protection for policyholders is highly
dependent on the clarity of the insurance contract, the understanding of the law by both
parties, and the effectiveness of dispute resolution institutions in upholding justice.
Therefore, it is necessary to improve legal education for policyholders and strengthen
regulations in insurance practices to create a fair, transparent, and balanced relationship
between insurance companies and policyholders.
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Copyright (c) 2025 Syifa Arinda, Devani Agustia, Ahmad Mufti Farid Nababan, Andhika Bayu Pranata, M Farhan Maulana Nst
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