| Summary: | 碩士 === 國立中正大學 === 政治學研究所 === 102 === In our daily lives, with the prevalence of the information asymmetry phenomenon, one who can grasp the information is in an advantageous position. Although technology advanced and information obtained easy in modern society, if you want to obtain useful information in the universe of vast expanse requiring a considerable degree of expertise; otherwise, even if the information is obtained, no professional analysis capabilities, may be just a little knowledge, and may even be misled by incorrect information.
“Township Mediation Committee” is a place where the local people most often use to resolve dispute, and the mediation types accounting for 80% is the accident damage dispute. Therefore, the performance of “Township Mediation Committee” is closely related to the insurance claim against car accident injuries, and the level of involvement related to the accident insurance claims include two parts as Compulsory Automobile Liability Insurance and the Third Party Liability Insurance; one is the insurance policy with relax claims, the other is a commercial insurance with wide range of claims, but more stringent review of approved claims. And because the manner and scope of these two insurance claims are complex that no general public can easily understand; therefore, the “insurance claims agent” who is familiar with insurance claims appear that the practitioners in name of fighting the insurance claim payment to actually implement the exploitation of victims.
The main issue of this article is to explore what kind of specific client prefers informal agents to deal with conflicts and disputes happened to him/her? The minor issue is to explore what are the difficulties of a formal dispute mediation system faced?
The study found: when the performance of formal system is suspected, the parties will choose the informal system; if the formal system has higher performance, it will be more selected by the public to resolve disputes and conflicts, especially car accident; if the mediation committee’s selection system and assessment system can be established, then it is possible to reduce the chance of people to choose informal mechanisms and the public being deceived and concealed by hidden information.
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