保险代位求偿中的法律解释运用——以指导案例74号为切入点

The application of Legal Interpretation in Insurance Subrogation——Take Guidance Case No.74 as an Example

保险代位权使得保险人在一定条件下获得被保险人对第三人的赔偿请求权,从而平衡保险人、被保险人和第三人的权利义务关系。然而在司法实践中,关于保险代位权的债权对象与保险利益的认定仍存在疑难。指导案例74号是关于保险代位权的重要案例,通过对指导案例74号中文义解释、目的解释、社会学解释方法的综合运用情况进行分析,最终明确两个结论:一是违约属于保险代位权的债权对象;二是保险代位权的运用应当遵循保险利益的"区分原则"。

The insurance subrogation system enables the insurer to obtain the insured’s right to claim compensation for the third party under certain conditions, thereby balancing the rights and obligations of the insurer, the insured and the third party.However, in judicial practice, there are still difficulties in determining the object of creditor’s rights and insurance interests of insurance subrogation.Guiding Case No. 74 is an important case on insurance subrogation. Through the analysis of the comprehensive application of Guiding Case No. 74 Chinese meaning interpretation, purpose interpretation, and sociological interpretation methods,two conclusions are finally clarified: First, breach of contract belongs to insurance subrogation. The second is that the application of insurance subrogation should follow the "discrimination principle" of insurance interests.