Contra Proferentum Rule, pada sengketa Klaim Asuransi

Contra Proferentum Rule, pada sengketa Klaim Asuransi banyak digunakan untuk menyelesaikan kasus-kasus sengketa klaim asuransi yang terjadi dalam industri perasuransian.

Apa sebenarnya yang dimaksud dengan Contra Proferentum Rule ?

Didalam Kamus Investopedia, disebutkan sbb :

What is the 'Contra Proferentem Rule'

The contra proferentem rule is a rule in contract law which states that any clause considered to be ambiguous should be interpreted against the interests of the party that requested that the clause is included. Contra proferentem rules guide the legal interpretation of contracts and are typically applied when a contract is challenged in court. In the case of most insurance contracts, the contra proferentem rule would direct the court to rule against the insurer if a clause in the contract is vague.

Read more: Contra Proferentem Rule https://www.investopedia.com/terms/c/contra-proferentem-rule.asp#ixzz5IXdD7YBI 

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Sementara didalam Wikipedia dituliskan sbb :

Contra proferentem (Latin: "against [the] offeror"),^[1] also known as "interpretation against the draftsman", is a doctrine of contractual interpretation providing that, where a promise, agreement or term is ambiguous, the preferred meaning should be the one that works against the interests of the party who provided the wording.^[2] The doctrine is often applied to situations involving standardized contracts or where the parties are of unequal bargaining power, but is applicable to other cases.^[3] The doctrine is not, however, directly applicable to situations where the language at issue is mandated by law, as is often the case with insurance contracts and bills of lading.^[4]

 Secara Sederhana, dalam situs Practical Law, dinyatakan sbb :

Contra proferentem rule
The contra proferentem rule states, broadly, that where there is doubt about the meaning of the contract, the words will be construed against the person who put them forward.

Lalu Bagaimana kaitannya dengan kasus-kasus klaim Asuransi ?

Tentu saja korelasinya sangat kuat, karena Contra Proferentum Rule mengatur penyelesaian sengkata yang timbul dari sebuah kontrak perjanjian.

Dan Polis Asuransi Merupakan Kontrak Perjanjian sah secara hukum.

Bagaimana kajian penggunaan Contra Proferentum Rule segabai dasar penyelesaian klaim ganti rugi ? mari kita baca lebih lanjut dengan KLIK link berikut : CONTRA PROFERENTUM RULE DI KASUS KLAIM ASURANSI