Direktorat Jenderal Kekayaan Negara

<p>This study aimed to analyze the mechanism and authority in resolving consumer disputes in the insurance sector. This study was conducted using a normative juridical method. First, it described the mechanism of resolving consumer disputes in the insurance sector. Then, it was analyzed to determine the authority in handling disputes in the insurance sector in Indonesia, especially regarding out-of-court alternative dispute resolution. The study found that several dispute resolution efforts were made by insurance customers when they experienced defaults on claims to insurance companies. They were made by conducting civil lawsuits in the District Court and submitting reports through the Consumer Dispute Settlement Agency or the Indonesian Insurance Mediation Agency. Considering that the insurance policy is an agreement between the insurer and the insured, the settlement of insurance disputes should follow the arrangements agreed upon in the Insurance Policy.</p>