Complain to the CBRC. If you encounter an insurance problem, the insurance company will not handle it after feedback to the insurance company. At this time, you can complain to the CBRC. The main responsibility of the CBRC is to supervise the banking and insurance industries according to law. In order to solve the problem of consumer complaints, China Banking Regulatory Commission opened the insurance consumer complaint hotline 12378. If consumers encounter bad insurance problems, they can complain in this way.
1, how to complain about the insurance company is the most effective.
Insurance companies in China are supervised by the China Insurance Regulatory Commission. After the dispute with the insurance company, if the negotiation is still unresolved, consumers can choose to call the CIRC to complain. When complaining to the CIRC, we should pay more attention to the following points in order to safeguard our rights and interests according to law: fill in the name, address and contact information correctly so that the CIRC can further understand the relevant situation and reply to the handling opinions; The complainant shall lodge a complaint objectively and truthfully, be responsible for the authenticity of the materials provided, and shall not fabricate or distort the facts, or falsely accuse or frame others. Letters and visits should have the facts and reasons of the respondent and the complainant, and the insurance supervision and administration institution shall not accept aimless letters and visits and complaints.
2. If mediation fails, follow the ruling. The Adjustment Committee of Changsha Lawyers Association and the Professional Committee of Insurance Law have established an arbitration mechanism for insurance complaints and disputes. If mediation fails, a ruling can be made. The ruling is not binding on consumers. However, if the judgment is "lost", the insurance institution must implement it. In order to expand the diversified mediation mechanism, the Committee has established cooperative relations with the people's courts in Yuelu District, Kaifu District and Furong District. After obtaining the consent of the parties, the court transferred some of the prosecution cases to the Committee for mediation. In the first half of the year, the Committee accepted 1 12 cases, and successfully mediated 17 cases, involving 2120,000 yuan.
3. The development status of the docking mechanism of insurance dispute settlement and litigation mediation. There are three existing insurance dispute settlement mechanisms: one is the court litigation mechanism; Second, relying on the mediation mechanism of mediation organizations; Third, other methods mainly refer to arbitration, but they can only be applied if there is an arbitration clause. The settled insurance disputes are mainly solved through litigation mechanism, and the insurance disputes solved through mediation are relatively few, which is not conducive to maintaining the dynamic balance between the occurrence and settlement of insurance disputes.
4. Problems existing in the insurance dispute settlement mechanism As far as litigation is concerned, on the one hand, the number of cases is increasing year by year, and the pressure of court work is increasing, so the contradiction between a large number of cases and a small number of cases cannot be fundamentally solved. On the other hand, most insurance dispute litigation mechanisms are inefficient at present. There are some problems in the mediation mechanism: first, mediation must follow the principle of voluntariness, the mediation notice of the mediation organization is not mandatory, and some parties fail to participate in mediation according to the notice; Second, they are worried about the professionalism and impartiality of mediation and the implementation of the mediation agreement, and are unwilling to choose mediation; Third, the professional ability of mediators needs to be improved.