Pelaksanaan Klaim Asuransi Debitur Terhadap Objek Jaminan Fidusia Pada Ptcimb Niaga Auto Finance Pekanbaru

An insurance agreement, according to the objective, is an agreement that provides a protection against an incident that cannot be predicted at the time the agreement is made, where in the insurance claim process must be based on the terms of the fulfillment of insurance claims. This research was conducted at PT. CIMB Niaga Auto Finance as a financing service provider that provides insurance facilities for fiduciary guarantee objects as a form of additional facilities that have been attached to each fiduciary guarantee object for each customer (The Insured) with the aim of knowing: 1) How is the implementation of insurance claims against the object of fiduciary guarantees at PT. CIMB Niaga Auto Finance; 2) What are the obstacles in the implementation of insurance claims against the object of fiduciary guarantees at PT. CIMB Niaga Auto Finance. This research used empirical research method, by observing directly at the research site (observational research), then by studying, reviewing, describing and interpreting the legal facts. The results of research in the field are supported by library materials in the literature, laws and regulations and provisions relating to insurance agreements. The data used in this study is primary data which is then analyzed quantitatively. The result of this research is that the implementation of loss insurance claims against the object of fiduciary guarantees (Motorcycle) is not directly facilitated by PT. CIMB Niaga Auto Finance Pekanbaru City, but directed the customers (The insured) to report the loss (The Risk) against the object of the guarantee to a third party insurance provider, namely Asuransi Jasindo not later than 30 (Thirty) days after the incident. Meanwhile, the constraints of unfulfilled realization of insurance claims against the object of fiduciary guarantee (Motorcycle) is that the overdue report, incomplete administrative requirements nor supporting documents according to the stages of insurance claims