Pertanggungjawaban Perusahaan Asuransi Usaha Bersama AJBB 1912 Atas Terjadinya Gagal Bayar Klaim Asuransi (Studi Kasus Putusan Pengadilan Negeri Maumere NOMOR: 2/PDT.G/2021/PN MME dan Jakarta Selatan Nomor: 482/PDT.G/2020/PN JKT.SEL) = The Liability of the Mutual Insurance Company AJBB 1912 For Failure Of Payment In Insurance Claims (Case Study of Maumere District Court Decision No.: 2/PDT.G/2021/PN MME and South Jakarta District Court Decision No.: 482/PDT.G/2020/PN JKT.SEL.)