RESPONSIBILITY OF INSURANCE COMPANIES DECLARED BANKRUPT FOR THE REPAYMENT OF POLICYHOLDERS' RECEIVABLES
Ni Made Dharmika Yogiswari*
I Wayan Novy Purwanto
Insurance companies, as legal entities engaging in business activities, may not always maintain good financial standing. A bankrupt company is typically in a state of insolvency where its assets fall short of its outstanding obligations. The insolvency of an Insurance Company leads to setbacks and limitations in its operations, with the Policyholder being the most affected party. This study aims to explore how dividends from bankrupt insurance companies are distributed and how such companies are accountable for settling Policyholders' receivables. The research employs a normative research method, utilizing a statutory approach and legal concept analysis. The findings indicate that the distribution of bankrupt insurance companies' assets is based on the priority order of creditors. The Policyholder, as the Preferred Creditor, receives payment of their receivables first and assumes the position of Separatist Creditor. In case of bankruptcy, the Insurance Company bears full responsibility for settling Policyholders' receivables. If there are any unpaid receivables, the Insurance Company is obligated to pay the remaining amount to the Policyholder.
Amiruddin, Z. A. (2016). Pengantar Metode Penelitian Hukum. Cet. ke-9. Jakarta: PT RajaGrafindo Persada.
Diantha, I. M. P. (2016). Metodologi penelitian hukum normatif dalam justifikasi teori hukum. Prenada Media.
Marwanto. (2020). Distribution System of The Bankrupt Debtor Assets Within The Indonesian Bankrupty Act Perspektif. Udayana Networking – Scientific Article.
Nugroho, A. A. (2019). Klaim Asuransi Sebagai Dasar Adanya Utang Dalam Permohonan Kepailitan Perusahaan Asuransi (Studi Kasus: Putusan Nomor 408 K/Pdt-Pailit/2015). Jurnal Privat Law, 7(2), 157–163.
Patria, M. S. (2018). Kedudukan Hukum Pemegang Polis Dalam Perusahaan Asuransi Yang Dinyatakan Pailit.
Rastuti, T. (2016). Aspek Hukum perjanjian asuransi. MediaPressindo.
Retnaningsih, S. (2018). Perlindungan Hukum Terhadap Debitor Pailit Individu Dalam Penyelesaian Perkara Kepailitan Di Indonesia. ADHAPER: Jurnal Hukum Acara Perdata, 3(1), 1–16.
Sembiring, S. (2014). Hukum Asuransi. Nuansa Aulia.
Shubhan, M. H. (2015). Hukum Kepailitan. Prenada Media.
Syahran, M. A. M. (2020). Pertanggungjawaban dan Upaya Hukum Pembayaran Utang Klaim Asuransi Terhadap Pemegang Polis Akibat Kepailitan Perusahaan Asuransi. Kertha Semaya, Universitas Udayana, 8(11), 1809.
Zuhra, W. U. N. (2016). Setelah Tikar Perusahaan Asuransi Digulung. tirto.id.