Implementasi asas keamanan dan keselamatan konsumen dalam perjanjian asuransi kecelakaan penumpang ojek online (Studi kasus PT. Jasa Raharja, Medan)
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Abstract
Perkembangan transportasi berbasis aplikasi menuntut adanya perlindungan hukum yang lebih komprehensif bagi penumpang ojek online, khususnya dalam aspek keamanan dan keselamatan. Penelitian ini menganalisis implementasi asas keamanan dan keselamatan konsumen dalam perjanjian asuransi kecelakaan penumpang ojek online berdasarkan Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen, dengan fokus pada kebijakan PT. Jasa Raharja di Medan. Temuan menunjukkan bahwa meskipun terdapat ketentuan perlindungan asuransi, implementasinya masih menghadapi kendala, seperti minimnya sosialisasi, keterbatasan akses data dari aplikator, serta belum adanya regulasi spesifik mengenai asuransi transportasi online. Selain itu, cakupan perlindungan belum menjangkau pengemudi non-mitra dan perjalanan di luar sistem aplikasi. Implikasi praktis dari temuan ini adalah perlunya regulasi khusus, penguatan sinergi antara pemerintah, aplikator, dan perusahaan asuransi, serta edukasi yang lebih luas kepada masyarakat guna menjamin kepastian hukum dan perlindungan konsumen yang adil, efektif, dan menyeluruh dalam ekosistem transportasi daring.
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