责任保险被保险人请求权之结构、性质及功能——兼论我国《保险法》第65条、66条规定之缺失

发布时间：2018-08-24 15:00

【摘要】：责任保险属广义财产保险范畴。依"损失补偿原则",早期责任保险的功能在于填补被保险人因实际承担赔偿责任后金钱减少之损失,被保险人对保险人仅享有"保险金给付请求权"。现代责任保险为诉讼保险,其具有权利保护功能,保险人要为被保险人排除因受害第三人行使损害赔偿请求权所形成的"消极不利益状态",该不利状态即为被保险人的损失。此时,被保险人对保险人享有的请求权为"法律保护请求权",其内涵一为请求补偿被保险人赔偿责任之"免责请求权",一为请求协助防御第三人损害赔偿请求之"防御请求权"。"法律保护请求权"理论是我国责任保险被保险人请求权理论未来构建的必然选择。
[Abstract]:Liability insurance belongs to the broad property insurance category. According to the "principle of compensation for loss", the function of early liability insurance is to fill the loss caused by the loss of money after the insured has actually assumed the liability for compensation, and the insured only has the right of claim for payment of insurance compensation to the insurer. The modern liability insurance is litigation insurance, which has the function of right protection. The insurer should exclude the "negative disinterest state" formed by the third party who is injured to exercise the right to claim for damages for the insured, and this unfavorable state is the loss of the insured. At this time, the insurant's right of claim against the insurer is "the right of legal protection claim", the connotation of which is the "right of claim for exemption from liability" for requesting compensation from the insured, and the "right of claim of defense" for the request for assistance in defending the third party's claim for damages. " The theory of the right of claim for legal protection is an inevitable choice for the future construction of the theory of the right of claim of the insured in China's liability insurance.
【作者单位】：中南财经政法大学法学院;
【基金】：国家社会科学基金项目“社会治理创新背景下责任保险法的理论变革与制度创新研究”(15BFX167) 中南财经政法大学研究生创新教育计划“责任保险被保险人请求权之结构、性质及功能”(2014B0502) 2015年度青岛市社会科学规划研究项目“法治社会建设中保险理赔纠纷申诉调处制度研究”(QDSKL150420)
【分类号】：D922.284

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