Analysis of the Effectiveness and Obstacles to the Implementation of PT Asuransi Jasa Raharja Makassar City Branch in the Protection of Accident Victims

Abstract

Examining the effectiveness and obstacles in the implementation of the accident victim protection program by PT Asuransi Jasa Raharja Makassar City Branch. This study uses a qualitative approach method to analyze the performance of PT Asuransi Jasa Raharja in providing compensation to traffic accident victims. Data is collected through in-depth interviews with related parties, direct observation of the service process, and analysis of documents such as financial statements and accident data. Internal factors such as service quality, product innovation, and HR competence are evaluated, while external factors such as community compliance with SWDKLLJ, accident rates, and inter-agency coordination are also considered. The results of the research are expected to provide strategic recommendations for PT Asuransi Jasa Raharja Makassar City Branch to increase the effectiveness of the program, overcome existing obstacles, and increase public satisfaction with the services provided. The study also highlights the importance of synergy with relevant agencies such as the police and health agencies to speed up the claims process and provide optimal protection for accident victims.