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Insurance contracts are essentially subject to the Civil and Commercial Code. It will protect the insured from damages incurred as a result of the insured. Therefore, it is an issue that the insured can consider exercising their rights if there is damage that affects the rights under the insurance contract in litigation as general civil cases or exercising rights under the consumer contract in litigation as consumer cases. In order to the insured is a consumer in the nature of the insurance business, because it is the person who has received services from the insurer on their business.