责任保险中第三人直接请求权初探

Elementary Exploration on Direct Claim Right of Third Party in Liability Insurance

责任保险中第三人的直接请求权,是指责任保险的第三人依照法律规定或合同约定请求保险人直接给付保险赔偿金的权利。文章探讨了第三人直接请求权的概念和发展概况,第三人直接请求权的性质以及赋予第三人直接请求权的必要性和可行性。

The direct claim right of third party in liability insurance means that the third party may claim the insurance compensation form the insurer directly according to the law or the insurance contract. This paper analyzes the conception and general situation of the direct claim right of third party, the nature of the direct claim right of third party, and the necessity and feasibility of endowing the third party with the direct claim right. Serving as a modest spur to induce somebody to come forward, it may be good for the legislation of the direct claim right of third party.