T The total loss only (tlo) insurance claim was submitted by waderima fataha in accordance with the policy provisions, but was rejected by p.t. asuransi sinar mas without a transparent and objective explanation. based on the above background, there are two issues, namely: what insurance law principles were not fulfilled in the settlement of waderima fataha\\\'s insurance claim at p.t. asuransi sinar mas? and whether the insurer\\\'s liability to the insured for motor vehicle insurance claims in the substance of verdict number 68/pdt.g/2023/pn tte is in accordance with motor vehicle insurance policy number 02.150.2020.00111 and the kuhd? this study is normative in nature, descriptive in scope, using secondary data as the primary source and interviews as supplementary data. data collection was conducted through literature review, qualitative data analysis, and deductive reasoning. the results of the study indicate that p.t. asuransi sinar mas, in settling insurance claims, does not comply with the principles of utmost good faith and indemnity, and the insurer\\\'s liability in the substance of the decision against the insured is not in accordance with article 15 of the policy and article 253 of the kuhd. suggestion: the insurer must ensure that every stage of the insurance agreement is carried out in accordance with the principles of utmost good faith and indemnity, and that the insurer\\\'s liability for claims must comply with an objective damage calculation mechanism. if there is a difference in the damage estimates between the insurer and the insured, an independent surveyor may be used.