责任保险第三人直接请求权的价值定位及其抗辩分析

Analysis of the Value Proposition of Third Party′s Direct Claim Right of Liability Insurance and Insurer′s Rights of Defence

随着责任保险在损害救济中的重要性越来越高,以保护受害人权益为宗旨的责任保险第三人直接请求权制度也越来越受到理论与实务的关注,然而有关直接请求权的理论学说与各国立法实践的多样化加大了选择适当的直接请求权立法模式的难度。本文从分析各种理论学说以及立法模式之间的一般性差异入手,探究导致这些差异的深层次原因,以期从根源上为直接请求权的建构提供参考。

Along with the increasing importance of liability insurance in damage relief system,third party′s direct claim right,which is for the purpose of protecting the victim′s interest,has attracted more and more academic and practical attention.However,the diversity of the theoretical doctrines and national legislations makes it difficult to decide a proper pattern of direct claim right in law reforming.Starting from the analysis of the external differences of various doctrines and legislating practices relating to direct claim right,this paper is to find out the deep-seated cause of the above differences,and aims to provide a reference for the creation of third party′s direct claim right of liability insurance.