Due to their special nature, legal relations in the insurance industry are regulated differently. In order to protect the weaker client-customer, the legislator regulates insurance industry with mandatory regulations. Additionally, another protection was established with alternative consumer dispute resolution. The consumer can file a request to initiate the mediation procedure at Slovenian Insurance Association, which is quicker, simpler and cheaper than litigation. Alternative dispute resolution helps consumer to avoid litigation and to solve dispute differently. According to statistics, the numbers of requests are rising, which indicates that consumers are informed about their option and are using mediation. Participation for insurance companies is mandatory, but they are not obliged to reach a settlement. Nevertheless, mediation offers consumers more suitable enforcement of consumer rights. Because of that, mediation is beneficial for consumers.
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