Legal Analysis Of The Criminal Action Of Forgery Of Insurance Documents (A Study Based On Articles 263 And 264 Of The Criminal Code Concerning Document Forgery)
Keywords:
Criminal Act, Criminal CodeAbstract
Decision Number 49/Pid.B/2021/PN Binjai adjudicated a criminal case involving document forgery related to an insurance claim at BNI LIFE INSURANCE. The defendant was charged cumulatively under Articles 263 and 264 of the Indonesian Criminal Code (KUHP), which regulate the crime of document forgery, and was sentenced by the panel of judges to one year of imprisonment. The normative legal research applied in this study includes a statutory approach, case analysis, and court decision study, using the **literature review method**. The results of the research emphasize that acts of insurance document forgery are regulated under Articles 263, 264, and 378 of the KUHP, since there are no specific provisions (lex specialis) applicable, making the KUHP the main legal basis for imposing the criminal sanction. However, the one-year imprisonment sentence is considered insufficient to provide a deterrent effect for the perpetrator. Therefore, it is recommended that the Public Prosecutor and the Panel of Judges consider imposing a heavier and firmer punishment in accordance with the provisions of Articles 263 and 264 of the KUHP. This would help ensure that the decision creates a sense of trauma and remorse for the defendant, while also preventing the recurrence of similar cases in the future. Furthermore, stricter law enforcement is crucial to maintain public trust in the legal system and the administration of justice in Indonesia
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