This study aims to conduct a study and determine how to apply the principle of simple proof in late payment
of insurance claims and its legal consequences. The type of research is normative research with a
qualitative type. The results of the study are: (1) The insurer as an insurance company cannot fulfill its
obligations in paying insurance claims so that it falls into the definition of debt, then the insurer can be
filed for bankruptcy by the Financial Services Authority with the principle of simple proof at the
Commercial Court. Second, the Financial Services Authority in an effort to carry out preventive and
repressive legal protection. (2) when an insurance company is declared bankrupt, the policyholder cansubmit an insurance claim like an insurance company to the curator. For bankrupt insurance companies,
debt payments will be distributed to preferred, concurrent, or separatist creditors by the curator.
Keywords: simple proof, insurance claims, BMAI, BPSK, bankruptcy.