保险代位求偿权探析

保险代位求偿权是损失补偿原则派生的代位规则的重要内容，是保险人对负有责任的第三人而非被保险人享有的法定的、债权性的、从属性的权利，应适用于所有的损失补偿性质的保险合同。保险代位求偿权应成立于保险人赔付时，而非保险合同成立或保险事故发生时。保险人可以自己的名义行使代位求偿权，并应充分尊重被保险人的权益，不得强制或变相强制被保险人先行对第三人求偿。

On Right of Subrogation in Insurance Law

Right of subrogation in insurance law is main content of subrogation rule derived from principle of indemnity,it is legal and accessorial creditor's right owned by insurer against the third party who takes the responsibility to insurance accident,but not insurant.It should apply to all the insurance contract of indemnity.It begins to take effect at time of payment,but not the time of acceptance of promise or occurrence of insurance accident.The insurer can exercise this right in his own name who should resp...