被保险人的弃权行为对保险代位求偿权的影响

Impact of the Abandonment of Insured's Right on Insurance Subrogation Right

保险代位求偿权是保险法中的一项重要制度,但被保险人在不同阶段作出的弃权行为可能会对保险代位求偿权造成不同的影响。主要从四个阶段进行分析,即保险合同订立前的弃权行为;保险合同成立后、保险事故发生前的弃权行为;保险事故发生后、保险赔偿金给付前的弃权行为及保险赔偿金给付后的弃权行为。

The right of subrogation is an important regulation in Insurance Law, but the behaviors of abandoning rights made by the insured in different periods may have different impact on the insurance subrogation right. This topic is mainly analyzed from the following four stages： that is, abandonment of right prior to the execution of insurance contract; abandonment of right after the execution of insurance contract but prior to the occurrence of insurance event; abandonment of right after the occurrence of insurance event but prior to the payment of insurance compensation and abandonment of right after the oayment of insurance compensation.