LOU Yu
Jinan Journal. 2020, 42(2): 70-85.
In the field of comparative law, there are three kinds of insurance contract disputes litigation outside the settlement mechanism: An independent third-party settlement model represented by the United Kingdom, a settlement model relying on industry associations represented by Japan, France, and Germany, and a court litigation embedded model represented by the US. Each model is closely related to the country's political and judicial system, litigation culture, legal technology and traditions, and socio-economic development. It is necessary to draw lessons from the advanced experience of foreign developed countries on the basis of comprehensive consideration of China's judicial system, litigation culture and insurance industry development level: independent third party solution mode relies heavily on government power, which is not conducive to institutional simplification and administrative power and judicial power separation, court litigation embedded model of the higher cost is not conducive to the protection of insurance consumer rights. Therefore, it is China's future choice to leverage the advantages of the insurance industry associations in terms of capital and professional reserves, and establish an out-of-litigation settlement model that relies on industry associations but is independent of the industry associations.