Legal Analysis of the Application of the Principles of Indemnity and Subrogation in Insurance Claim Disputes: Case Study of West Jakarta District Court Decision No. 139/Pdt.G/2022/PN Jkt.Brt and Jakarta High Court Decision No. 744/PDT/2023/PT DKI = Analisis Hukum terhadap Penerapan Asas Indemnitas dan Subrogasi dalam Sengketa Klaim Asuransi: Studi Putusan Pengadilan Negeri Jakarta Barat No. 139/Pdt.G/2022/PN Jkt.Brt dan Putusan Pengadilan Tinggi Jakarta No. 744/PDT/2023/PT DKI