ANALISA YURIDIS TERHADAP KLAIM ASURANSI DALAM PERJANJIAN SEWA-BELI KENDARAAN BERMOTOR(Studi di PT. Federal Internasional Finance dan PT. Asuransi Astra Buana diMalang)

YUNITA SARI HIDAYAT, MAYA (2008) ANALISA YURIDIS TERHADAP KLAIM ASURANSI DALAM PERJANJIAN SEWA-BELI KENDARAAN BERMOTOR(Studi di PT. Federal Internasional Finance dan PT. Asuransi Astra Buana diMalang). Other thesis, University of Muhammadiyah Malang.

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Abstract

Law arranged every manners, wanting a standard arrangement, whether in practice or re-application, when there was existed in-balanced between behavior and harmonization. One development related with this thing was rent-buy clause and rent-buy assurance, where we often heard in daily life. It was surprised that there was a tendency, especially in rent-buy clause, the society were facilitated by law guarantee in using rent-buy thing than un-supported economic. In other word, usage principle was the major reason than the economic principle itself. Menkoperindag rule no.34/II/1980 was a strong tendency that law needs about rent-buy clause was un-rejected. Which means, though in several things the understanding was disturbed by the reality where people as law user has directed into the condition, so that the needs of new rule has become un-avoidance needs. Assurance as collateral institution, in relation with rent-buy clause has related with the fact for so long. Which mean between rent-buy clause and assurance, where rent-buy actually was two separated substances, both could happen at the same time in condition where the object became burden things. That’s why the relation between them was interesting to be discussed. In this thesis, the writer chose problems related with two things, related with assurance claim for rent-buy things. The research took statement of problems : 1. How the application of rent-buy agreement ? 2. How the application of assurance if there was an evenement ? how the assurance claim when there was rights transfer from third party ? The research used juridical sociology approach, data collection was direct interview and documentation from Federal International Finance and Astra Buana Assurance at Malang as location of primary data. The data then analyzed in descriptive analysis way. The result showed that in motor vehicle rent-buy agreement where the payment process was done in scale along the buyer couldn’t pay the whole price, the thing still in FIF rights until the buyer could pay the last payment. Duty and rights of the buyer for the claim and loss claim when there was evenement, the duty of the buyer was pay the motor vehicle as stated by the agreement clauses. The claim was 3x24 work hour, not including holiday, the payment would be considered expired and the payment was 100% if the documents complete and the payment process was 10x24 work hour, but for special claim, lost, which considered 60 days from the claim since there was a suspect if the vehicle found before 60 days. The writer suggest that FIF and Astra Buana to be more transparent. It would be great if the clauses were explained to the buyer. The buyer should be more careful to the agreement by paid attention to the company credibility and there would be important to know the company’s wealth, so that he would be avoided from the possibility of lack of loss payment from the organization.

Item Type: Thesis (Other)
Subjects: K Law > K Law (General)
Divisions: Faculty of Law > Department of Law
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 11 Jun 2012 04:31
Last Modified: 11 Jun 2012 04:31
URI: http://eprints.umm.ac.id/id/eprint/7073

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