本文關鍵詞：保險代位求償權法律適用問題研究　出處：《華東政法大學》2013年碩士論文　論文類型：學位論文

  更多相關文章： 保險代位求償權 理論基礎 法律適用

【摘要】：保險代位求償權是保險法一項固有的制度。是當保險事故發(fā)生后，，保險人、被保險人和第三人之間（事故由第三人原因造成的情況下）利益分配的一項制度設計，是保險人向被保險人給付保險賠償金后取得的一項權利。隨著我國保險行業(yè)的快速發(fā)展，與之相關的保險權益爭端也在逐漸增加。 然而，我國保險代位求償制度的立法還相對滯后，保險代位求償權的適用缺乏完善的法律支撐。這表現出來的是在保險代位求償權糾紛案件中法律適用的捉襟見肘。如保險人取得保險代位求償權是以保險人已事實上支付了賠償金為前提，還是必須以保險合同為依據；保險人代位求償權的取得是否以保險人支付的保險金能夠完全彌補被保險人的損失為要件；保險代位求償權是否只能因為第三人的侵權行為而產生；保險人出具的“權益轉讓書”的效力如何；保險代位求償權以誰的名義行使；保險代位求償權行使的對象是否有限制，具體限制的對象有哪些；人身保險一律不適用保險代位求償權是否合理等等。這些問題在保險糾紛案件中經常出現，成為保險糾紛案件審判中的難點問題。 有鑒于此，在論述保險代位求償權基礎理論的基礎上，本文重點對保險代位求償權適用過程中遇到的爭議問題進行探討，以期使保險代位求償權制度得到完善，使保險代位求償權的適用的得到完善。 本文共分為五個部分： 第一部分內容主要介紹和論述了保險代位求償權的基礎理論，為接下來探討該項權利的法律適用做好鋪墊。保險代位求償權起源于羅馬法的債權轉移制度，性質為法定債權轉讓，目的和功能為在規(guī)避道德風險的同時保障被保險人損失獲得充分的補償。 第二部分內容主要探討保險代位求償權成立的法律適用問題。具體論述了保險代位求償權產生原因、取得條件、取得證明和成立條件四個問題。 第三部分內容主要論述了保險代位求償權行使的法律適用問題。重點針對保險代位求償權行使名義、行使對象和行使范圍三個問題進行了研究。 第四部分內容主要是對保險代位求償權的法律保護問題進行了探討。重點論述保險人行使保險代位求償權時被保險人的協(xié)助義務和被保險人棄權時保險人保險代位求償權保護兩個問題。 第五部分內容主要論述了保險代位求償權訴訟時效的法律適用問題。重點探討了保險代位求償權訴訟時效期間的確定、訴訟時效起始時間的確定和訴訟時效中斷三個問題。
[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.
【學位授予單位】：華東政法大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：D922.284

【參考文獻】

相關期刊論文 前2條

1 周美華;;被保險人的棄權行為對保險代位求償權的影響[J];北京化工大學學報(社會科學版);2009年03期

2 溫世揚;武亦文;;論保險代位權的法理基礎及其適用范圍[J];清華法學;2010年04期

本文編號：1433776