TANGGUNG JAWAB PERUSAHAAN ASURANSI JASA RAHARJA TERHADAP KORBAN KECELAKAAN LALU LINTAS DI JALAN RAYA

Abstract

Advance in global economic and technological life has led to change in transportation activity for it becomes more important and determining aspect in national economic life. Motor vehicles have been familiar to any activity which needs fast delivery of the economic outputs. There, risks may arise as the antecedent. The risks may be limited road, excessive motor vehicle resulting in traffic problem, and traffic accidents causing wounds or death. Government has issued Governmental Act No. 33/1994 on Indemnify Cost of Passenger Accidents and Governmental Act No. 34/1964 on Traffic Accidents Financial Aid by means of a state-owned entity, which runs in insurance field, namely PT Jasa Raharja (Persero). Duties and Responsibilities of this institution are to administer fund raising, and to provide obligatory financial aid to those who are victims and/or those who inherit the victims of traffic accidents. PT Jasa Raharja (Persero) is a state-owned corporate body (BUMN) that is authorized in insurance. Its operation is under supervision of Department of Finance. PT Jasa Raharja (Persero) manages donation, either voluntary or obligatory, which in turn, are delivered to the victims/victims inheritance of traffic accidents in form of Jasa Raharja insurance. In fact, there are many problems against the process. Accordingly, not many of the victims/victims inheritance who get insurance as they may have had due to expiry date of delivery or to misconduct. It is important to point out that such insurance sometimes does not meet the requirement in line with such risks as wounds, loss, or even death. This basic problem makes important to perform review on the Ministry of Finance Decree No. 415/KMK.06/2001 and No. 416/KMK.06/2001 in order to improve the insurance quota according to future economic development and needs for health. It assumes that THE RESPONSIBILITY JASA RAHARJA INSURANCE ON TRAFFIC ACCIDENT VICTIMS becomes significantly strategic and important.