【作者】 刘琦；

【导师】 陈运来； 卢建华；

【作者基本信息】 湖南大学 ， 法律硕士（专业学位）， 2019， 硕士

【摘要】 保险代位求偿权的行使是保险代位求偿制度的核心,其实质是指保险人代位行使被保险人对责任第三人的损害赔偿请求权,具有及时弥补保险人的损失、防止第三人脱责,避免被保险人利用投保进行双重获利的功能。近年来,随着我国保险行业的发展壮大,保险代位求偿权纠纷成为司法实务领域的一大焦点,然而由于我国对该权利立法较少、法条规定不明确等原因,常常会出现同类案件裁判迥异、诉辩双方各有不服的情况,使得司法实践极易产生争议。以中国人保南京分公司诉亚东公司、东鸿公司代位求偿一案为例,从人保南京分公司是否是适格原告、亚东公司和东鸿公司应否承担责任、本案是否超过诉讼时效期间以及赔偿金额如何确定这四个争议焦点出发,结合其他小案例,探讨了保险代位求偿权的行使前提、行使对象、诉讼时效、赔偿范围等一系列问题。行使保险代位求偿权的前提条件包括保险合同成立生效、被保险人对第三人有损害赔偿请求权、保险人完成了保险赔偿金的给付;行使对象是引起保险事故发生并对保险标的的损失承担赔偿责任的第三人;保险代位求偿权的时效期间采用民法通则的普通时效规定,从保险人获得代位求偿权之日起算,适用诉讼时效中断情形;保险人只能从保险赔偿金范围内代位行使求偿权。回归样本案例,人保南京分公司满足行使前提,可以以自己的名义代位求偿。亚东公司作为承运人对运输途中的货损承担责任,东鸿公司不是运输合同相对人非权利行使对象。人保南京分公司提起本案诉讼未超过诉讼时效期间。鉴定费不在代位求偿的范围内,实际赔付的货损金额才属于保险代位求偿权的赔偿范围。更多还原

【Abstract】 The exercise of insurance subrogation right is the core of the insurance subrogation system,and its essence is that the insurer subrogates the right of the insured to claim for the damage of the third party,which has the function of making up the loss of the insurer in time,preventing the third party from shirking its responsibility and avoiding the insured from making double profits by taking advantage of insurance.In recent years,with the development of China’s insurance industry,insurance subrogation rights disputes become a major focus in the field of judicial practice,however,because of the right in China legislation,statutory provisions are not clear,the less often appear similar case different referees,plea is not satisfied with the two sides have different situation,prone to disputes in judicial practice.Taking the case of PICC v.Yadong company and Donghong company as an example,starting from whether PICC nanjing branch is a qualified plaintiff,whether yadong company and donghong company should bear the responsibility,whether this case exceeds the limitation period and how to determine the amount of compensation these four dispute focus,combined with other small cases,discusses the premise of insurance subrogation right,exercise the object,the limitation of action and the scope of compensation.The preconditions for exercising the right of subrogation of insurance include the establishment of the insurance contract,the insured’s right to claim damages against the third party,and the insurer’s completion of the payment of the insurance indemnity.The object of exercise is the third party who causes the occurrence of the insured accident and is liable for the loss of the subject matter insured;The limitation period of the right of subrogation of the insurance shall be governed by the general provisions of the civil law,from the date when the insurer obtains the right of subrogation,the limitation of action shall apply.The insurer can only subrogate the right of claim from the scope of the indemnity.In the case of regression sample,PICC nanjing branch can subrogate compensation in its own name if it meets the premise of exercise.As a carrier,Yadong company is liable for the damage of goods in transit,while Donghong company is not the object of non-right exercise of the relative person in the transport contract.P ICC nanjing branch filed the case within the limitation period.The appraisal fee is not within the scope of subrogation,and the actual amount of compensation for damage belongs to the scope of insurance subrogation.更多还原