| 论保险代位求偿权行使的范围限制 |
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| 引用本文： | 王乐宇.论保险代位求偿权行使的范围限制[J].内蒙古财经学院学报(综合版),2007,5(1). |
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| 作者姓名： | 王乐宇 |
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| 作者单位： | 内蒙古财经学院,内蒙古,呼和浩特,010051 |
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| 摘 要： | 保险代位求偿权当然有其行使范围.时至今日,理论界有很多学者认为:"代位求偿权只在财产保险中适人身保险中不存在代位求偿权."但依有些学者的态度,保险代位求偿权不只适用于财产保险.我国<保险法>的有关规定(第68条)虽有力地支持了否定说,但亦留下了一些缺憾.笔者建议将<保险法>第68条修改为:"人身保险的被保险人因第三者的行为发生保险事故的,保险人向被被保险人或者受益人给付保险金后,不得享有向第三者追偿的权利.但被保险人或者受益人仍有权向第三者请求赔偿."这样,肯定说就难有立锥之地了.
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| 关 键 词： | 保险代位求偿权 公平原则 损失补偿原则 人身保险 财产保险 |
On the Scope Restriction of Performing Insurance Subrogation |
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| Wang Leyu.On the Scope Restriction of Performing Insurance Subrogation[J].Journal of Inner Mongolia Finance and Economics College,2007,5(1). |
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| Authors: | Wang Leyu |
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| Abstract: | Insurance subrogation should be performed in certain scope. Up to now, there are many arguments about the scope restriction of performing it. In this paper, the puts forward his understanding and suggestions about it. |
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| Keywords: | insurance subrogation just principle compensation principle for losses property insurance |
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