Analysis of Legal Protection for Consumers against the Inclusion of the Exoneration Clause in the Insurance Contract
DOI:
https://doi.org/10.25139/lex.v5i2.10268Keywords:
Consumer Protection, Exculpatory Clauses, Insurance ContractsAbstract
This research aims to analyze the legal consequences of the inclusion of exoneration clauses in insurance contracts and forms of legal protection for consumers. The type of research used in this research is normative legal research using a statutory approach, conceptual approach, and analytical approach. The legal consequences of the inclusion of an exoneration clause in an insurance contract based on the Civil Code, the exoneration clause can be null and void if it does not meet the legal requirements of the agreement, while according to the GCPL, the clause can be canceled, with the contract remaining valid without the clause. Legal protection of consumers is carried out through preventive approaches, such as strengthening insurance regulations and literacy, and repressive, through lawsuits to cancel clauses and claims for compensation. Dispute resolution can be through litigation in court or non-litigation through the Consumer Dispute Resolution Agency (BPSK). This research recommends strengthening law enforcement and increasing awareness of business actors to ensure the balance of interests in insurance contracts, so that consumers are protected from exploitative practices.
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