Study On Chinese Prevention Mechanism Of Insurance Contract Disputes

Insurance contract disputes are issues that go with the insurance market. In recent years, with the rapid development of electronic information technology and people’s rights protection awareness, the insurance contract disputes present new features and trends. These new features and trends of insurance contract disputes include increasing number of complaints and expanding social effect. The existence of Insurance contract disputes are not only harm to the protection of consumers’ rights and interests, but also harm to the image of the insurance industry. Given the grim reality of frequent disputes, finding out the causes and forms of insurance contract disputes from the root of the insurance contract disputes and establishing a complete and strict insurance contract disputes prevention mechanism to reduce the amount of insurance contract disputes is of great theoretical and practical significance.This paper focuses on China’s insurance contract disputes prevention mechanism. Insurance contract disputes are actually interests against between parties of insurance contract. The establishment of prevention mechanism is bound to have different influence on different parties. The author has also analyzed problems of the Prevention mechanism of insurance contract disputes with micro, meso and macro eonomies, and tried to figure out how to solve them. Combining experience of developed countries and regions and the situation in China, the author has tried to establish the prevention mechanism of the insurance contract disputes which would be fit for Chinese condition.