{"id":9915,"date":"2026-06-11T12:15:09","date_gmt":"2026-06-11T05:15:09","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9915"},"modified":"2026-06-11T12:15:09","modified_gmt":"2026-06-11T05:15:09","slug":"klaim-sudah-dibayar-mengapa-freight-forwarder-masih-bisa-dituntut","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/klaim-sudah-dibayar-mengapa-freight-forwarder-masih-bisa-dituntut\/","title":{"rendered":"The Claim Has Been Paid, Why Can the Freight Forwarder Still Be Sued?"},"content":{"rendered":"

In the eyes of many logistics players, the existence of <\/span>Marine Cargo Insurance<\/span><\/a> is often considered the last layer of protection when goods are damaged or lost during shipping.<\/span><\/p>\n

When a cargo is damaged, the owner of the goods files a claim with the insurance company, the claim is paid, and the problem is considered resolved.<\/span><\/p>\n

But in practice, this is not always the case.<\/span><\/p>\n

Behind many high-value cargo claims, there is one mechanism that is often poorly understood by logistics industry players, namely subrogation.<\/span><\/p>\n

For freight forwarding companies, trucking companies, warehouse operators, and other logistics service providers, subrogation can be a source of lawsuits that arise long after the claims process has been completed.<\/span><\/p>\n

This phenomenon is increasingly seen with increasing trade volumes, the growth of e-commerce, and the increase in shipments of high-value goods such as industrial machinery, project cargo, and heavy equipment.<\/span><\/p>\n

What is Subrogation in Insurance?<\/b><\/h3>\n

Simply put, subrogation is the right of the insurance company to take over the rights of the insured in suing the party considered responsible for a loss.<\/span><\/p>\n

For example, a manufacturing company sends production machines worth billions of rupiah.<\/span><\/p>\n

The goods are insured with Marine Cargo Insurance.<\/span><\/p>\n

On the way there was an accident which caused the engine to suffer serious damage.<\/span><\/p>\n

The insurance company then pays the claim to the owner of the goods according to the terms of the policy.<\/span><\/p>\n

From the owner’s perspective, the problem may have been solved.<\/span><\/p>\n

But from the insurance company’s point of view, the following question arises:<\/span><\/p>\n

Who actually caused the loss?<\/span><\/p>\n

If negligence is found on the part of a particular party, the insurance company can attempt to recover some or all of the claim payments that have been issued through the subrogation process.<\/span><\/p>\n

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Is Your Logistics Company Potentially Facing Subrogation Risk?<\/b><\/h3>\n

Many freight forwarders only realize the gap in protection after receiving claims worth hundreds of millions to billions of rupiah.<\/span><\/p>\n

If your company handles heavy equipment shipping, project cargo, import-export, or high-value goods distribution, understanding liability exposure is just as important as protecting the goods being shipped.<\/span><\/p>\n

To get an idea of \u200b\u200bthe risks your company may face, contact our team of logistics and liability insurance specialists at:<\/span><\/p>\n

\ud83d\udce7 Email: halo@lngrisk.co.id<\/a><\/span><\/p>\n

\ud83d\udcf1 WhatsApp: 0811-8507-773<\/a><\/span><\/p>\n

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Why Are Freight Forwarders Often Targeted?<\/b><\/h3>\n

In the modern logistics chain, freight forwarders play a very important role.<\/span><\/p>\n

They arrange transportation, choose the mode of transportation, manage documents, coordinate with various vendors, and ensure that goods arrive on schedule.<\/span><\/p>\n

Because they are at the center of the logistics process coordination, freight forwarders are often the first party to be checked when cargo loss occurs.<\/span><\/p>\n

Even when the damage is caused by another party, the freight forwarder can still be involved in the investigation or lawsuit process.<\/span><\/p>\n

This especially happens when there is suspicion of:<\/span><\/p>\n