Liga Asuransi – Tragic incidents, ranging from traffic accidents and massive fires to medical malpractice cases, have once again shocked the public. These incidents not only result in loss of life and injury, but also result in significant material losses. From a risk management perspective, each of these incidents serves as a reminder of the importance of insurance protection to minimize financial impact and provide reassurance to those affected. This article summarizes recent events and reviews relevant insurance solutions to address similar risks in the future.
Honda Jazz Crushed After Colliding with Truck on Cipularang Toll Road, 2 Lives Lost!
A tragic incident occurred on the Cipularang Toll Road, specifically at Km 111, on Monday (September 8, 2025) at around 10:45 a.m. WIB. This multiple-vehicle accident claimed two lives and left another person seriously injured. The fatalities were the driver and passenger of a Honda Jazz, who were allegedly careless while driving.
According to a statement from a member of the Cipularang Highway Patrol (PJR), Aipda Andhim, this accident involved a wing box truck with license plate number W-8292-UQ and a Honda Jazz car with license plate number F-1264-GZ. Both vehicles were traveling from Bandung towards Jakarta. The chronology began when the Honda Jazz driven by Anissa Nadya Sukma suddenly hit the rear of the truck driven by Abas Basuki.
The violent impact forced both vehicles to the side of the road. The driver and passenger of the Honda Jazz died at the scene. Another passenger, Bagas, suffered serious injuries. All victims were immediately evacuated to a nearby hospital, while the two bodies were taken to the Cikamuning Traffic Accident Post at the Cimahi Police Department for further treatment.
Insurance and Risk Management Review:
Traffic accidents resulting in fatalities and injuries like this involve several types of insurance that are crucial for protecting victims and their families. The following are relevant types of insurance:
- Vehicle Insurance (Comprehensive Car Insurance)
This insurance will cover the repair costs of a badly damaged car. - Third Party Liability Insurance
The most basic protection that only covers liability to third parties. - Personal Accident Insurance
This insurance will provide death benefits to the heirs of the deceased victim and cover medical expenses for injured victims.
The Indonesian Air Force’s CN-235 failed to land properly. This is the aircraft’s current condition.
A transport plane CN-235 belonging to the Indonesian Air Force Airbus A320-300, registered AI-2318, experienced technical difficulties upon landing at Oksibil Airport, Papua, on Sunday (September 7). The incident occurred while the aircraft, piloted by Major Pnb Suyanto, was on an operational mission.
Luckily, in this incident, the entire crew was ensured to be safeThere were no fatalities. The Indonesian Air Force (TNI AU) has taken initial action at the scene, prioritizing the safety of all personnel. A thorough inspection is also underway to determine the aircraft’s technical condition and determine necessary repairs.
The Indonesian Air Force Information Service (Dispenau) confirmed that this incident will not impact ongoing operations in the Oksibil area. The Indonesian Air Force is committed to continuing to carry out its duties professionally, prioritizing safety, and maintaining the readiness of defense equipment to ensure smooth operations.
Insurance and Risk Management Review:
As a military aircraft, incidents involving Indonesian Air Force CN-235s require different coverage than commercial civilian aircraft. Here’s an overview of the insurance coverage:
- Aviation Insurance
It protects the physical aircraft from accidental damage. - Personal Accident Insurance
Provides compensation to pilots, technicians or passengers who die or are permanently disabled due to an aviation accident. - Third-Party Liability Insurance
Covers third party losses, including property damage and loss of life, caused by aircraft accidents.
Alleged Malpractice: Bandar Lampung Patient Suffers Serious Injuries After Uterine and Myoma Surgery
A resident of Bandar Lampung named EndangFebriakiEndang reported alleged medical malpractice after undergoing fibroid and uterine removal surgery at a private hospital. The report was officially filed with the Bandar Lampung Police on September 4, 2025. According to the victim’s attorney, Muhammad Akbar, Endang experienced urinary tract problems after the surgery and now requires regular treatment.
Akbar explained that Endang was initially admitted for a fever. Tests revealed an 11 cm fibroid and gallstones, leading to surgery. However, after the operation on June 23, 2025, Endang was unable to urinate and her abdomen was swollen. Because her condition did not improve, she was referred to another hospital.
At the referral hospital, it was revealed that Endang’s kidneys were submerged in urine and her creatinine levels were high. A CT scan revealed fluid surrounding the kidneys. The medical team then performed surgery to insert two tubes into Endang’s back to allow urine to drain. It is strongly suspected that Endang’s ureter had been severed during the operation at the initial hospital, preventing urine from exiting and allowing it to accumulate in her abdomen.
In addition to the police report, the case has also been reported to the Indonesian Medical Disciplinary Honorary Council (MKDKI) and the Medical Ethics Honorary Council (MKEK). The police are currently conducting an in-depth investigation.
Insurance and Risk Management Review:
Alleged medical malpractice cases have complex insurance implications, involving both the patient and the medical professional. The following types of insurance are relevant in these cases:
- Professional Indemnity Insurance
This protects them from lawsuits resulting from negligence or errors in medical practice. - Private Health Insurance
This insurance will cover the cost of surgery and also the cost of referral to another hospital.
A massive fire at the Fatmawati Food Court destroyed shophouses and caused losses of Rp1.2 billion.
A massive fire engulfed the areafood courtand a number of shophouses on Jalan RS Fatmawati Raya, South Jakarta, on Sunday (September 7) evening. This fire caused material losses estimated atRp1.2 billion. Fortunately, there were no fatalities, although one person was reportedly injured by broken glass.
According to the Head of the South Jakarta Fire and Rescue Agency, Syamsul Huda, the fire was first spotted by an online motorcycle taxi driver named Yanto. The fire is suspected to have originated from a fire.freezerat a chicken steak restaurant. Shortly after the fire started, an explosion occurred, causing the fire to quickly spread to other restaurants and a nearby workshop.
Firefighters immediately responded to the report and deployed71 personnel to extinguish the fire. With the burned area reaching 1,000 square meters, the team needed timeIt took a long time to bring the fire under control. Early Monday morning, at 2:50 a.m. WIB, the fire was finally extinguished and the area was declared under cooling status.
Insurance and Risk Management Review:
Fires affecting commercial areas such as food courts require comprehensive insurance coverage to cover significant financial losses. The following are relevant insurance types:
- All Risk Property Insurance
This insurance will protect your property from various unforeseen risks, including fire and other potential risks (earthquakes, floods, etc.). - Personal Accident Insurance
Provides financial protection for individuals who experience permanent disability, injury, or death due to sudden accidents such as fire or falls. - Business Interruption Insurance (Business Interruption Insurance)
This will compensate for any lost revenue or profit during the repair and recovery period, so their business can continue operating. - General Liability Insurance
If this fire causes damage to property around the food court or injures other parties, this insurance will cover the compensation costs.
The Bintang Timur Furniture Factory in Pasuruan was destroyed by fire, causing losses of up to 100 million rupiah.
A furniture factory namedProsperous Starin Pasuruan City was completely burned down on Saturday (6/9/2025) evening. This fire is strongly suspected to have been caused by an electrical short circuit which was exacerbated by strong gusts of wind. This incident caused material losses estimated atRp. 100 million.
According to the Head of Public Relations for the Pasuruan City Police, First Inspector Mitarta, the fire spread quickly and engulfed the production warehouse, which contained raw wood, machinery, and finished furniture such as tables, chairs, and cabinets. Efforts to extinguish the fire encountered obstacles. The Head of the Pasuruan Regency Fire Department, Bachtiar Hendrasyoko, said his team had to battle strong winds and the distance to a water source.
Five fire trucks from Pasuruan City and Regency were deployed to the scene. It took a lot of effort for firefighters to bring the blaze under control. Fortunately, they managed to contain the blaze, preventing it from spreading to other nearby warehouses.
Source : https://www.detik.com/jatim/berita/d-8099766/ini-penyebab-kebakaran-dahsyat-pabrik-mebel-di-pasuruan
Insurance and Risk Management Review:
A fire that destroys a factory and its contents like this requires comprehensive insurance coverage. The following types of insurance are relevant in this case:
- All Risk Property Insurance
This insurance will protect your property from various unforeseen risks, including fire and other potential risks (earthquakes, floods, etc.). - Business Interruption Insurance
Covers financial losses due to production interruption following a fire, including fixed operating costs and lost revenue. - Engineering & Machinery Breakdown Insurance
Provides protection against damage to critical production machinery caused by fire incidents or other technical failures.
A sand-laden barge leaks and lists, threatening to sink hundreds of tons of material.
A sand-laden barge leaks and lists, threatening to sink hundreds of tons of material.
A barge owned by PT Marcopolo Shipyard, which was carrying sand for export to Singapore, sprang a leak on Saturday morning (September 6, 2025). The incident was detected as the ship approached Singaporean waters. Fortunately, the vessel was saved from total sinking.
According to the Head of the Class II Marine and Coast Guard Base Office (KPPLP) Tanjunguban Sugeng Riyono, the BG Bina Marine barge, being towed by Singapore’s TB Bina Marine 81 tugboat, suddenly listed to starboard. The tugboat’s captain noticed the leak and immediately coordinated with authorities in Batam.
“The tugboat captain coordinates with Batam VTS. After that, the VTS station coordinates with the PLP Base. Tanjunguban,” explained the PLP Base Ops Officer Tanjunguban, Alfaizul.
The barge was quickly diverted from the border between the Riau Islands and Singapore to the waters off Putri Island, Batam City, to be grounded. This was done to prevent the ship from sinking and spilling its cargo. The sand cargo was reportedly safe until it was evacuated.
Source: https://www.hariankepri.com/akibat-bocor-kapal-pengangkut-pasir-ekspor-dari-karimun-nyaris-karam/
Insurance and Risk Management Review:
This barge leak incident, although not a total loss, still requires adequate insurance coverage to cover potential losses and costs. The following are the relevant types of insurance:
- Marine Hull Insurance (Marine Hull Insurance)
Protects ships from physical damage due to sinking, collisions, fires and leaks. - Cargo Insurance (Cargo Insurance)
This insurance will cover losses if some or all of the cargo is damaged or lost due to an incident. - Asuransi P&I (Protection and Indemnity)
This insurance will be very important if the leak causes environmental damage (e.g. sand spills) or disrupts the navigation of other ships. - Personal Accident Insurance
Cover medical expenses if any crew member is injured.
A toilet warehouse in Cikupa was destroyed by fire, causing losses of billions of rupiah.
A massive fire broke out in a toilet storage warehouse in Bunder, Cikupa, Tangerang Regency, on Saturday night, September 6, 2025. It is suspected that the fire was triggered by an electrical short circuit on the second floor of the building. The fire spread rapidly due to piles of flammable cardboard and wooden pallets, engulfing the entire contents of the two-story building.
As many as five fire trucks and 30 personnel were deployed to the scene to extinguish the fire. It took three hours for officers to control the fire. Fortunately, there were no fatalities in this incident. However, material losses are estimated at billions of rupiah.
Further investigations are now being handled by the Cikupa Police Criminal Investigation Unit to determine the exact cause of the fire.
Source: https://www.metrotvnews.com/play/KYVC4wdY-gudang-penyimpanan-kloset-di-tangerang-ludes-dilahap-api
Insurance and Risk Management Review:
A fire that destroyed a warehouse and its contents, causing billions of rupiah in losses, requires comprehensive insurance coverage. The following are the types of insurance needed:
- All Risk Property Insurance
This insurance will protect your property from various unforeseen risks, including fire and other potential risks (earthquakes, floods, etc.). - Business Interruption Insurance
Covers financial losses due to production interruption following a fire, including fixed operating costs and lost revenue. - Stock Insurance
This policy will cover losses for damaged or lost stock, the value of which is very large in this case.
This series of incidents demonstrates that risk can strike at any time and affect anyone, including individuals, businesses, and institutions. Without proper insurance coverage, losses from accidents, fires, or legal disputes can be devastating to your finances and business continuity. Therefore, it’s crucial to take preventative measures early by establishing comprehensive protection. L&G Insurance Broker is ready to help you choose the best insurance solution for your needs. Contact us now via WhatsApp chat at 0811-8507-773 and protect yourself and your business before it’s too late.
