论海上保险追偿中的理论与实务问题

发布时间：2018-11-25 17:56

【摘要】： 海上保险追偿是指在海上保险中,保险标的发生保险责任内的损失后,保险人根据代位求偿权向对损失发生负有责任的第三方进行索赔的行为。本文所探讨的保险追偿,是以代位求偿权的理论为依据,由保险人向第三人进行索赔的包括证据收集、海事请求保全等内容的整个过程。实务中保险公司经常重理赔而轻追偿,忽略了追偿工作的重要性。追偿是一项涉及面广,具有一定法律性的涉外工作。虽然不产生直接的利润,但追偿所得都是净收入。其效果好坏直接影响到保险公司的经济效益,做好此项工作,对于维护保险公司形象、扩大保险公司知名度、降低赔付率、提高经济效益,都会产生直接的影响,并在一定程度上促进有关责任方改善经营管理。本文旨在通过对海上保险追偿涉及的有关理论与实务问题进行研究,希望可以对保险公司追偿工作成效的提高提供一些好的建议。在概括论述追偿的概念、程序及意义后,文章主要分别从理论与实务两大部分进行论述。在理论部分,主要介绍了所涉及到的代位求偿权仍存争议的几个方面的内容,提出了可以在法律上更加完善的建议以及保险人在追偿中应该特别注意的法律问题。实务部分主要从货运险及船舶险两个方面对保险人在追偿工作中遇到的特殊问题进行阐释。涉及到了很多程序上的问题,都是保险人在追偿中应留意的。总之,想要成功的完成海上保险追偿的工作,涉及到海商法中的各种问题。需要保险人在理赔阶段就做好诉讼活动的防范以及证据收集等各项工作。同时也要具备对代位求偿权的深刻的理解。因海上保险追偿的特殊性及重要性,在法律上也有必要对海上保险追偿中有关的理论与实务问题进一步完善,以避免争议的发生。
[Abstract]:Marine insurance recovery refers to the loss within the insurance liability of the insured subject matter in marine insurance, and the insurer claims against the third party responsible for the loss according to the right of subrogation. The insurance recovery discussed in this paper is based on the theory of subrogation and claims by the insurer from the third party including the whole process of evidence collection maritime claim preservation and so on. In practice, insurance companies often pay attention to claims rather than recovery, neglecting the importance of recovery work. Recovery is a foreign-related work involving a wide range of areas, with a certain legal nature. Although there is no direct profit, the proceeds of recovery are net income. Whether the effect is good or bad will directly affect the economic benefits of insurance companies. Doing this work well will have a direct impact on maintaining the image of the insurance companies, expanding the reputation of the insurance companies, reducing the compensation rate, and increasing the economic benefits. And to a certain extent to promote the responsible party to improve the operation and management. The purpose of this paper is to study the relevant theoretical and practical problems involved in marine insurance recovery, hoping to provide some good suggestions for the improvement of the effectiveness of the recovery work of insurance companies. After summing up the concept, procedure and significance of recovery, the article mainly discusses the theory and practice. In the theoretical part, it mainly introduces several aspects of the disputes about the subrogation, and puts forward some suggestions which can be improved in law and the legal problems that should be paid special attention to by the insurer in the recovery. The practical part mainly explains the special problems encountered by the insurer in the recovery work from two aspects: cargo insurance and ship insurance. Involved in a lot of procedural issues, is the insurer in the recovery should pay attention to. In short, the successful completion of marine insurance recovery work, involving various issues in maritime law. The insurer is required to take precautions against litigation activities and collect evidence at the claim settlement stage. At the same time, we should also have a profound understanding of subrogation. Because of the particularity and importance of marine insurance recovery, it is necessary to further improve the theory and practice of marine insurance recovery in order to avoid disputes.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2009
【分类号】：D922.284

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