保险代位求偿权法律适用问题研究

发布时间：2018-01-16 15:43

本文关键词：保险代位求偿权法律适用问题研究　出处：《华东政法大学》2013年硕士论文　论文类型：学位论文

【摘要】：保险代位求偿权是保险法一项固有的制度。是当保险事故发生后，，保险人、被保险人和第三人之间（事故由第三人原因造成的情况下）利益分配的一项制度设计，是保险人向被保险人给付保险赔偿金后取得的一项权利。随着我国保险行业的快速发展，与之相关的保险权益争端也在逐渐增加。然而，我国保险代位求偿制度的立法还相对滞后，保险代位求偿权的适用缺乏完善的法律支撑。这表现出来的是在保险代位求偿权纠纷案件中法律适用的捉襟见肘。如保险人取得保险代位求偿权是以保险人已事实上支付了赔偿金为前提，还是必须以保险合同为依据；保险人代位求偿权的取得是否以保险人支付的保险金能够完全弥补被保险人的损失为要件；保险代位求偿权是否只能因为第三人的侵权行为而产生；保险人出具的“权益转让书”的效力如何；保险代位求偿权以谁的名义行使；保险代位求偿权行使的对象是否有限制，具体限制的对象有哪些；人身保险一律不适用保险代位求偿权是否合理等等。这些问题在保险纠纷案件中经常出现，成为保险纠纷案件审判中的难点问题。有鉴于此，在论述保险代位求偿权基础理论的基础上，本文重点对保险代位求偿权适用过程中遇到的争议问题进行探讨，以期使保险代位求偿权制度得到完善，使保险代位求偿权的适用的得到完善。本文共分为五个部分：第一部分内容主要介绍和论述了保险代位求偿权的基础理论，为接下来探讨该项权利的法律适用做好铺垫。保险代位求偿权起源于罗马法的债权转移制度，性质为法定债权转让，目的和功能为在规避道德风险的同时保障被保险人损失获得充分的补偿。第二部分内容主要探讨保险代位求偿权成立的法律适用问题。具体论述了保险代位求偿权产生原因、取得条件、取得证明和成立条件四个问题。第三部分内容主要论述了保险代位求偿权行使的法律适用问题。重点针对保险代位求偿权行使名义、行使对象和行使范围三个问题进行了研究。第四部分内容主要是对保险代位求偿权的法律保护问题进行了探讨。重点论述保险人行使保险代位求偿权时被保险人的协助义务和被保险人弃权时保险人保险代位求偿权保护两个问题。第五部分内容主要论述了保险代位求偿权诉讼时效的法律适用问题。重点探讨了保险代位求偿权诉讼时效期间的确定、诉讼时效起始时间的确定和诉讼时效中断三个问题。
[Abstract]:The subrogation right of insurance is an inherent system of insurance law. An institutional design for the distribution of benefits between the insured and the third party (in the case of an accident caused by a third party). With the rapid development of the insurance industry in China, the related disputes of insurance rights and interests are gradually increasing. However, the legislation of insurance subrogation in our country is still lagging behind. The application of insurance subrogation is lack of perfect legal support. It shows that the law is overstretched in the dispute case of insurance subrogation. If the insurer acquires the insurance subrogation right, it is already a matter for the insurer. The actual payment of compensation is a prerequisite. Or must be based on the insurance contract; Whether the acquisition of the insurer's subrogation right depends on whether the insurer can make up for the loss of the insured completely by the insurance money paid by the insurer; Whether the subrogation right of insurance can only arise from the tort of the third party; What is the validity of the "transfer of rights and interests" issued by the insurer; Whose name is the right of insurance subrogation; Whether the object of the right of subrogation of insurance is restricted and what are the specific objects of restriction; Life insurance does not apply whether the subrogation right of insurance is reasonable or not. These problems often appear in insurance dispute cases and become the difficult problems in insurance dispute cases trial. In view of this, on the basis of discussing the basic theory of insurance subrogation, this paper focuses on the discussion of the controversial issues encountered in the application of insurance subrogation. The purpose is to perfect the system of insurance subrogation and the application of insurance subrogation. This paper is divided into five parts: The first part mainly introduces and discusses the basic theory of the insurance subrogation right, which lays the groundwork for the next discussion on the application of the law of this right. The insurance subrogation right originates from the creditor's rights transfer system of Roman law. The nature of the transfer of legal creditor's rights, the purpose and function of avoiding moral hazard while ensuring the insured to get adequate compensation for losses. The second part mainly discusses the legal application of the establishment of insurance subrogation, and discusses the causes, conditions of obtaining, proof and establishment of insurance subrogation. The third part mainly discusses the application of law in the exercise of insurance subrogation, focusing on three issues: the name, the object and the scope of the insurance subrogation. Part 4th mainly discusses the legal protection of insurance subrogation. The emphasis is on the insurant's duty of assistance when the insurer exercises the right of subrogation and the insurer's insurance when the insured abstains. There are two problems in the protection of subrogation. Part 5th mainly discusses the legal application of the limitation of action of insurance subrogation, and focuses on the determination of the limitation period of insurance subrogation. The determination of the starting time of limitation of action and the interruption of limitation of action are three problems.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.284

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