ANALISIS PERMASALAHAN PENCAIRAN KLAIM SURETY BOND AKIBAT PRINCIPAL YANG WANPRESTASI PADA PERJANJIAN PEMBORONGAN BANGUNAN SEBAGAI JAMINAN YANG DIKELUARKAN OLEH PERUSAHAAN ASURANSI (Studi di PT (Persero) Asuransi Kredit Indonesia Cabang Madura)

<p>Abstract<br />This article aims to determine the claims disbursement problems Surety Bond issued by PT (Persero) Asuransi Kredit Indonesia Branch Madura, Principal as a result of the default in the building chartering agreements as a form of guarantee in protecting the interests of the obligee or the Service User Works Building Works. This study is a descriptive empirical law with a qualitative approach, the type of data used is primary data obtained directly from the test site and the data obtained sekuder dai library materials. The data collection technique used is the library to study the document or material and interviews with interactive model as data analysis techniques. Based on the results of research problems arising from the melting of claims Surety bond is that the melting of the claim is conditional it is not in accordance with the arrangements disbursement claims contained in Presidential Decree No. 4 of 2015, and other problems as a result of melting of the claims, there is a problem regarding the recovery or the right to sue through subrogation whose setting is different from that contained in the insurance subrogation.</p><p>Keyword: Surety Bond, Disbursement Claims, Legal issues</p><p>Abstrak<br />Artikel ini bertujuan untuk mengetahui permasalahan pencairan klaim Surety Bond yang dikeluarkan oleh PT (Persero) Asuransi Kredit Indonesia Cabang Madura sebagai akibat Principal yang wanprestasi dalam perjanjian pemborongan bangunan sebagai bentuk penjaminan dalam melindungi kepentingan Obligee atau Pengguna Jasa dalam Pekerjaan Pemborongan Bangunan. Penelitian ini merupakan penelitian hukum empiris yang bersifat deskriptif dengan pendekatan kualitatif, jenis data yang digunakan adalah data primer yang diperoleh langsung dari lokasi penelitian dan data sekuder yang diperoleh dai bahan kepustakaan. Teknik pengumpulan data yang digunakan adalah studi dokumen atau bahan pustakan dan wawancara, dengan model analisis interaktif sebagai teknik analisis data. Berdasarkan hasil penelitian permasalahan yang timbul dari pencairan klaim Surety bond adalah bahwa pencairan klaim bersifat conditional hal ini tidak sesuai dengan pengaturan pencairan klaim yang terdapat dalam Peraturan Presiden Nomor 4 Tahun 2015, kemudian permasalahan lain sebagai akibat pencairan klaim, terjadi permasalahan mengenai recovery atau hak tuntut melalui subrogasi yang pengaturannya berbeda dengan subrogasi yang terdapat dalam asuransi.</p><p>Kata Kunci: Surety Bond, Pencairan Klaim, Permasalahan Hukum</p>

Improve Medical Malpractice Law by Letting Health Care Insurers Take Charge

The general consensus is that reform of medical malpractice law should be part of the health care system's overhaul. Medical malpractice litigation results in the expenditure of tens of billions annually, largely paid out of health care insurance funds and mostly (roughly two-thirds) paid to defendants' and plaintiffs' lawyers. By all accounts, this tort law regime ill serves the basic deterrence and compensation goals of civil liability. The causes and magnitude of these failings are disputed, and many typical reform proposals sidestep the basic problems and may do more harm than good. In contrast, we advance a straightforward way to improve both deterrence and compensation. Essentially, the proposal is to remove current legal limitations on the scope of insurance subrogation that bar private and public health care insurers from “buying” the whole of their insureds' potential medical malpractice claims in exchange for lower premiums and taxes and expanded insurance coverage. Our proposal’s benefits accrue regardless of the cause and magnitude of the failings of malpractice law or the further reforms that might be adopted.