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浅析海上保险的代位求偿权
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Abstract:
海上保险的代位求偿权是指对于保险责任范围内由第三者造成的损失,被保险人向第三者请求赔偿的权利自保险人支付赔偿金之日起相应地转移给保险人的法律制度。海上保险代位求偿权法理基础可以从补偿原则和公平原则以及侵权行为的不真正连带责任中一探究竟。然而海上保险代位求偿权制度在实际运用中存在一定的问题,本文将针对海上保险代位求偿权制度的现实困境提出相应的完善建议。
The subrogation right of marine insurance refers to the legal system, under which the right of the insured to claim compensation from the third party for the damage caused by the third party within the scope of insurance liability is transferred to the insurer accordingly from the date of payment of compensation by the insurer. The jurisprudential basis of the subrogation right of marine insurance can be found in the principles of indemnity and equity, as well as in the unreal joint-liability of the infringement act. However, there are some problems in the practical application of the marine in-surance subrogation system, and this paper will propose appropriate suggestions to improve the marine insurance subrogation system in accordance with the practical difficulties.
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