Research On The Law Of Protecting The Rights And Interests Of Internet Insurance Consumers

With the continuous development of Internet technology,traditional insurance has ushered in new opportunities,and Internet insurance came into being.Internet insurance breaks the limitation of time and space,is efficient and convenient,and brings unprecedented good experience to consumers.Therefore,Internet insurance is increasingly prominent in the whole insurance industry.However,with the rapid development of Internet insurance,there are many problems,such as the absence of relevant legislation,the emergence of "bizarre insurance" in endlessly,the confusion of market operation,the imperfect regulatory means and the serious infringement of interests and inviolable rights of consumers.Based on the Internet insurance consumers' rights and interests as the research object,through clarifying the relevant concepts,analyzing as current development of Internet insurance and its development model,summarized the key problem facing the Internet insurance consumers' rights and interests protection: the right to know is not fully guarantee,imperfect regulatory system,Internet insurance dispute settlement mechanism is not perfect;This paper discusses the institutional causes of the lack of consumer protection,and investigates the value concept and development trend of Internet insurance consumer protection in foreign countries,mainly in the United Kingdom and the United States.Finally,some Suggestions are put forward perfecting the legal protection of consumers' rights and interests in network insurance to strengthen the legislation in the field of Internet insurance,to improve the Internet insurance supervision system and to improve the dispute resolution mechanism for the protection of the rights and interests of Internet insurance consumers.Enhance the confidence of Internet insurance consumers through the legal protection of their lawful rights and interests is restored,and the stability of the entire financial industry is maintained.The main body of the essay consists of five parts.The first part is the summarize,which mainly introduces the research backdrop,research significance,research review and research methods article.It also summarizes the previous research results by combing the literature in detail.The second part is the basic overview of the protection of consumers' rights and interests of onlineinsurance.Similarities and differences between Internet insurance consumers and traditional insurance consumers.The third part focuses on the key issues in The protection of consumers' rights and interests in network insurance,namely the right to know is not fully protected,the supervision system is not perfect,and the Internet insurance dispute resolution mechanism is not perfect.The fourth part is the experience and reference of protecting the rights and interests of foreign Internet insurance consumers,taking the United Kingdom and the United States as examples.The fifth part is the from the perspective of law and practice,it is suggested to improve the protection of the rights and interests of Internet insurance consumers' right to know,namely,strengthening the legislation in the field of Internet insurance,perfecting the Internet insurance supervision system and perfecting the dispute resolution mechanism for the protection of the rights and interests of Internet insurance consumers.This paper demonstrates the necessity of the legal to protect the rights and interests of consumers in the personal information security of network insurance,and to analyze the dilemma of the legal protection of the rights and interests of consumers in the network insurance,and proposes to define the concept of Internet insurance consumers in legislation,establish the principle of moderate protection,and guarantee the right to know of Internet insurance consumers.In terms of supervision,we should reasonably set up regulatory agencies and improve regulatory means.In terms of dispute resolution,it is necessary to promote the construction of the docking mechanism between the non-lawsuit resolution mechanism and the lawsuit adjustment mechanism,promote the construction of the online dispute resolution mechanism,and establish the Internet insurance evidence filing system,so as to better to protect the legitimate rights and interests of the right to know and the right to choose of Internet insurance consumers.