Insurance or about responsibility is indentured among two parties or more by which underwriter party fasten self to the insureds by accept insurance premiums to give substitutions to been taken on because loss, damage or expected gain loss, or takes on jawah law to third party who may will suffer evoked the insured of a scene that not absolutely, or to give a payment that didasarka on dies or its life someone which be underwritten (section 1 sentence (1) UU No. No. Years 1992). In motor vehicle

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... insurance agreement not close its happening possible dispute, that dispute usually in term claim which because of the insured party and also the insurer. One of the ways penyelesian that dispute is through Warm Up Mediasi Indonesia Insurance (BMAI). Mediasi's body Indonesia Insurance (BMAI) constitute an independent body that have mediator mediator what does commisioned independent to perform insurance claim dispute working out among reassured with underwriter. Insurance claim dispute is dispute among the insured with the insurer that reverential one of the parties not carry on deal already being made with every consideration or even because available party that wanprestasi, so disadvantages one of the parties. Dispute working out procedure motor vehicle insurance claim via 2 phases which is phase mediasi and ajudikasi's phases. If dispute gets most solve at mediasi's phase therefore finish dispute, on the contrary if dispute can't be solved at mediasi's phase therefore its working out is drawned out to ajudikasi's phase. Are not all claim dispute can thru solve Mediasi's Body Indonesia Insurance (BMAI) since exists requisite who shall be accomplished by the insured. Although that requisite were accomplished, are not close possible dispute working out process insurance claim via Warms Up Mediasi Indonesia Insurance (BMAI) will be constrained. Pendahuluan Dalam rangka pelaksanaan pembangunan nasional dewasa ini sasaran utama adalah ter-ciptanya landasan yang kuat bagi bangsa Indonesia untuk tumbuh dan berkembang atas kekuatannya sendiri menuju masyarakat yang adil dan makmur berdasarkan Pancasila. Maka sudah seharusnya se-luruh usaha dan kegiatan pembangunan harus dapat dimanfaatkan sebesar-besarnya bagi kemanusiaan dan peningkatn kesejahteraan rakyat, demikian pula setiap warga negara hendaknya selalu berusaha un-tuk mencapai kesejahteraan baik jasmani maupun rohani, walaupun usaha itu tidaklah mudah untuk dicapai karena manusia selalu menghadapi berbagai resiko dalam upayanya yang tidak diperkirakan se-belumnya.(Sonja, 1997). Resiko adalah suatu kewa-jiban menanggung atau memikul kerugian sebagai akibat dari suatu keadaan yang tidak pasti yang merupakan sesuatu yang tidak dapat dipisahkan dari kehidupan manusia dalam segala kegiatannya sehari-hari. Selain itu resiko juga dapat diartikan beban kerugian yang diakibatkan karena suatu pe-ristiwa di luar kesalahannya. (Purwosutjipto 1986) Ada berbagai macam resiko yang me-ngancam hidupnya baik dari segi jiwanya maupun harta benda yang di milikinya. Resiko tersebut