被保险人损害赔偿请求权的事先放弃之探讨

发布时间：2018-01-11 09:36

本文关键词：被保险人损害赔偿请求权的事先放弃之探讨　出处：《湖州师范学院学报》2016年09期 　论文类型：期刊论文

【摘要】：在我国《保险法》第61条规定中,被保险人放弃损害赔偿请求权的时间限制在"保险事故发生后",但是在实际生活中,存在"保险事故发生前"放弃损害赔偿请求权的情形。"保险事故发生前"可分为订立保险合同前与订立保险合同后两个时间段。笔者首先从事先放弃损害赔偿请求权的情形着手,考虑损害赔偿请求权与代位求偿权的关系,结合债权转让原理,分析被保险人事先放弃损害赔偿请求权对保险人代位求偿权的影响。然后明确订立保险合同前与订立保险合同后,被保险人放弃损害赔偿请求权导致的保险人的权利义务不同。最后提出完善我国《保险法》第61条的具体意见。
[Abstract]:In Article 61 of the Insurance Law of China, the time for the insured to waive the right to claim damages is limited to "after the occurrence of an insurance accident", but in real life. There is a situation where the right to claim for damages is waived "before the occurrence of an insurance accident". "before the occurrence of an insurance accident" It can be divided into two periods: before the conclusion of insurance contract and after the conclusion of insurance contract. Considering the relationship between the right to claim for damages and the right of subrogation, combined with the principle of transfer of creditor's rights. This paper analyzes the influence of the insured's waiver of the right to claim for damages in advance on the insurer's right to subrogation, and then makes sure that the insurance contract is concluded before and after the conclusion of the insurance contract. The rights and obligations of the insurer due to the abandonment of the right of claim for damages by the insured are different. Finally, the author puts forward some specific opinions on the perfection of Article 61 of the Insurance Law of China.
【作者单位】：湘潭大学法学院;
【分类号】：D922.284
【正文快照】： 我国《保险法》第61条第1款规定:“保险事故发生后,保险人未赔偿保险金之前,被保险人放弃对第三者的请求赔偿的权利的,保险人不承担赔偿保险金的责任”。[1](P239)由此可知,保险人因被保险人放弃对第三者的损害赔偿请求权,而免除赔偿保险金责任的条件是“放弃”行为发生在“保

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