论保险代位追偿制度之弊端

On the Abuse of Right of Subrogation

保险代位追偿权制度是目前各国保险立法普遍确认的一项制度,其解决的问题是,当保险合同关系以外的第三人对 于保险事故负有责任时,法律赋予保险人代位行使被保险人对第三人的损害赔偿请求的权利。但随着社会的发展及保险业的日 益成熟,保险代位追偿权制度自身的弊端不断显露,其在实践运作中也渐渐遭到保险人的排除适用。本文自保险代位追偿权的 概念及理论基础入手,重点探讨了理论界对保险代位追偿权理论基础的质疑以及对该制度的批驳,并对保险代位追偿权制度的 存废进行了一定的思考。

Right of Subrogation is the system that many countries insurance legislate universally to confirm. Such the setdement problem is, when third man as to the insurance mishap when insures outside the contract relationship carries on the back the responsibility, the statue is endowed with the right that the insured subrogation insured required to the third injury reparations of man, But with the development of the society and the insurance industry, the abuse of the system of Right of Subrogation constantly reveals. And it＇s also gradually excluded by the insurer in practice. This essay begins with the concept and the rationale of Right of Subrogation, discusses the questions and criticisms about the basic of it, and thinks about whether to retain the system of Right of Subrogation or not.