Law Enforcement Against Insurance Agency Workers in Criminal Cases of Signature Forgery
DOI:
https://doi.org/10.25217/jm.v10i2.6378Keywords:
Criminal Act, Insurance Agents, Law Enforcement, Signature ForgeryAbstract
Insurance agents play a vital role in insurance companies and serve as the spearhead of insurance marketing. In practice, during the signing process of insurance product participation forms, signature forgery is often committed by insurance agents. This is typically done to expedite data processing and accelerate the approval of applications in pursuit of sales targets. This research employs a normative juridical and empirical juridical approach. The data is analyzed qualitatively. The research findings indicate that law enforcement against insurance agents in cases of signature forgery is still based on Article 263 of the Indonesian Penal Code (KUHP), rather than the principle of lex specialis derogat legi generalis, such as Article 78 of Law Number 40 of 2014 concerning Insurance because insurance agents are not company officials but third parties representing the company. Legal enforcement is hampered by non-compliance with established procedures and regulations across various levels of the criminal justice system, preventing the full realization of legal principles. Moreover, law enforcement officials often lack precision in legal interpretation and application. The study suggests that the government needs to create implementing regulations for Law No. 40 of 2014 concerning insurance
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