部分保险中代位求偿权的行使困境及模式选择

The Trouble of Exercising Subrogation and the Mode Selection for Some Insurances

代位求偿权是《保险法》规定的一项保险人的法定权利,但是该权利在部分保险中却遇到了行使上的困境。当第三者的偿债能力无法同时且足额的满足保险人代位求偿权和被保险人损害赔偿请求权时,实务中的处理方法无法统一。理论界对此提出三种不同的观点,但仍然没有形成统一有效的处理模式。因此,有必要在部分保险中建立以被保险人利益优先为主、保险人利益兼顾的处理模式,以期解决实务中代位求偿权的行使困境。

The right of subrogation is the legal rights to the insurer in insurance law, but it has met with the plight of the exercise in partial insurance. When a third party’s solvency cannot or cannot full meet the right of subrogation of the insurer and the claim for damages of the insured, the practice of treatment methods cannot be unified. Although the academic field has put forward three different statements, they still cannot form a unified and effective processing mode. Therefore, it is necessary to establish a processing mode in partial insurance based on the principle of priority to the interests of the insured and give consideration to the interests of the insurer, to solve the exercise dilemma of subrogation in the practice.