| 论代位求偿权 |
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| 引用本文： | 张璐,崔永波.论代位求偿权[J].济宁师范专科学校学报,2009,30(4):70-73. |
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| 作者姓名： | 张璐 崔永波 |
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| 作者单位： | 西北民族大学法学院,甘肃,兰州,730000 |
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| 摘 要： | 代位求偿权，是指当保险标的遭受保险事故造成的损失，依法应由第三者承担赔偿责任时，保险公司自支付保险赔偿金之日起，在赔偿金额的限度内，有权代位行使被保险人对第三者请求赔偿的权利。代位求偿权实质上是传统民法清偿代位制度在保险法领域的具体运用。其成立要件是保险事故的发生与第三人的过错行为必须存在着因果联系，代位求偿权的产生必须是在保险人给付保险赔偿金之后，保险人向第三人进行赔偿的权利范围应以被保险人享有的权利为限。保险代位求偿权的取得方式有当然代位主义和请求代位主义两种。其行使可以以保险人的名义进行，也可以以被保险人的名义进行。
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| 关 键 词： | 代位求偿权 成立要件 取得 行使 |
On the Right of Subrogation |
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| ZHANG Lu,CUI Yongbo.On the Right of Subrogation[J].Journal of Jining Teachers College,2009,30(4):70-73. |
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| Authors: | ZHANG Lu CUI Yongbo |
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| Institution: | School of Law;Northwest University for Nationalities;Lanzhou 730030;China |
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| Abstract: | The right of subrogation means thatinsurance companies have the right to subrogation of the insured person the exercise of a third party the right to seek compensation,when the subject of insurance suffered losses caused by the accident insurance.In essence,subrogation is a traditional settlement on behalf of the civil law system in the field of insurance law specific application.Subrogation is the right to set up the elements of accident insurance and third acts were the fault of the existence of a causal ... |
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| Keywords: | right of subrogation establishment of the Elements made exercise |
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