Proceedings of the 1st International Forum on Psychology, Law, and Education (IFPLE 2025)

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Breach of Contract in Insurance Claim Disputes and Its Enforcement

Authors
Ricky Lexmana1, Kartina Pakpahan1, *, Elvira Fitriyani Pakpahan1, Emir Syarif Fatahillah Pakpahan1, Willy Tanjaya1
1PUI PT Business Law and E-commerce, Faculty of Law, Master of Law, Universitas Prima Indonesia, Medan, Indonesia
*Corresponding author. Email: kartinapakpahan@unprimdn.ac.id
Corresponding Author
Kartina Pakpahan
Available Online 3 January 2026.
DOI
10.2991/978-2-38476-531-7_16How to use a DOI?
Keywords
Insurance Law; Breach of Contract; Legal Protection; Medan District Court; OJK
Abstract

This research analyzes the effectiveness of legal enforcement mechanisms in addressing insurance claim disputes handled by the Medan District Court during the period 2022–2024, with a particular focus on issues of breach of contract (wanprestasi). The study adopts a descriptive approach integrated with a normative juridical framework, and bases its analysis on primary as well as secondary legal references, including academic literature, case law, and statutory provisions. The findings indicate an increasing number of lawsuits filed against insurance companies, primarily due to claim rejections, misinterpretations of policy terms, and lack of transparency in contractual agreements. The most frequent disputes involve general and life insurance sectors. Results also reveal that non-litigation mechanisms, such as mediation through the Financial Services Authority (OJK), are seldom utilized and lack binding enforcement power, whereas litigation processes remain costly and lengthy. To ensure fair and efficient dispute resolution, this study recommends strengthening legal regulations, enhancing public awareness through legal literacy programs, and expanding OJK’s authority. Furthermore, this research contributes to the theoretical development of insurance law and offers practical insights for improving policy implementation.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 1st International Forum on Psychology, Law, and Education (IFPLE 2025)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
3 January 2026
ISBN
978-2-38476-531-7
ISSN
2352-5398
DOI
10.2991/978-2-38476-531-7_16How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Ricky Lexmana
AU  - Kartina Pakpahan
AU  - Elvira Fitriyani Pakpahan
AU  - Emir Syarif Fatahillah Pakpahan
AU  - Willy Tanjaya
PY  - 2026
DA  - 2026/01/03
TI  - Breach of Contract in Insurance Claim Disputes and Its Enforcement
BT  - Proceedings of the 1st International Forum on Psychology, Law, and Education (IFPLE 2025)
PB  - Atlantis Press
SP  - 147
EP  - 159
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-531-7_16
DO  - 10.2991/978-2-38476-531-7_16
ID  - Lexmana2026
ER  -