《海诉法》中的直诉保险人制度

针对目前《海诉法》第97条的适用范围,从三个方面进行分析:在实体法中未规定保险人直接向受损害人支付保险赔款的义务时,受损害人直接向保险人提出的赔偿请求因没有实体法支持而无法实现;责任保险中,除法律的规定和保险合同的约定外,责任保险的保险人无义务直接向被保险人以外的第三人履行保险合同项下支付赔款的义务;中国目前的法律中对于直接诉讼保险人是设有条件的,尚无受损害人可以不受任何条件制约就可直接向保险人提出索赔的法律规定,并得出结论:《海诉法》第97条目前仅应适用于《1992年民事责任公约》规定适用的油污责任保险。

Comments on the direct action against the insurer under the Maritime Procedure Law

This paper expresses the author's viewpoint on the application scope of Article 97 of the Maritime Procedure Law. Based on the analysis that the application scope of procedural law shall be subject to provisions of the substantive law and the direct action by the claimant against the insurer shall be not unconditional, it could be concluded that at present the application of Article 97 of the Maritime Procedure Law should be restricted to its corresponding substantive law, i.e. the 1992 Civil Liability Convention.