论保险中约定代位

On Contractual Subrogation in Insurance

我国保险理论一般认为保险代位并无法定代位和约定代位之分 ,保险立法只承认法定代位 ,但是约定代位事实上存在 ,并且有存在之必要。人寿保险外之保险 ,第三人造成保险事故对被保险人或受益人负有赔偿责任 ,只要符合约定条件 。

It is assumed in the insurance theory of our country that equitable subrogation,as the only legally accepted form of subrogaiton,is synonymous with insurance subrogation.However,contractual subrogation actually exists and its existence is justified.In all the insurance cases except life insurance ,the third party,who incurred the insured event,should be liable for the compensation to the insured and the beneficary while the insurer,if the meets the requirements,is entitled to the subrogation.