Efektivitas Alternative Penyelesaian Sengketa Klaim Polis Asuransi Melalui Badan Penyelesaian Sengketa Konsumen (Studi Kasus Putusan Mahkamah Agung Nomor 761/Pdt.Sus-BPSK/2022) = The Effectiveness of Alternative Settlement of Insurance Policy Claims through the Consumer Dispute Resolution Body (Case Study of Supreme Court Decision Number 761/Pdt.Sus-BPSK/2022)