Perlindungan terhadap konsumen dan penerapan asas kebebasan berkontrak dalam perjanjian baku suatu perjanjian asuransi : studi kasus putusan No. 434/Pdt.G/2010/PN.Jkt.Sel = Consumer protection and the application of the freedom of contract within a standard contract of an insurance agreement case study of verdict no 434 pdt g 2010 PN Jkt Sel