發(fā)布時(shí)間：2018-01-16 15:43

  本文關(guān)鍵詞：保險(xiǎn)代位求償權(quán)法律適用問題研究　出處：《華東政法大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 保險(xiǎn)代位求償權(quán) 理論基礎(chǔ) 法律適用

【摘要】：保險(xiǎn)代位求償權(quán)是保險(xiǎn)法一項(xiàng)固有的制度。是當(dāng)保險(xiǎn)事故發(fā)生后，，保險(xiǎn)人、被保險(xiǎn)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(xiàng)制度設(shè)計(jì)，是保險(xiǎn)人向被保險(xiǎn)人給付保險(xiǎn)賠償金后取得的一項(xiàng)權(quán)利。隨著我國保險(xiǎn)行業(yè)的快速發(fā)展，與之相關(guān)的保險(xiǎn)權(quán)益爭端也在逐漸增加。 然而，我國保險(xiǎn)代位求償制度的立法還相對滯后，保險(xiǎn)代位求償權(quán)的適用缺乏完善的法律支撐。這表現(xiàn)出來的是在保險(xiǎn)代位求償權(quán)糾紛案件中法律適用的捉襟見肘。如保險(xiǎn)人取得保險(xiǎn)代位求償權(quán)是以保險(xiǎn)人已事實(shí)上支付了賠償金為前提，還是必須以保險(xiǎn)合同為依據(jù)；保險(xiǎn)人代位求償權(quán)的取得是否以保險(xiǎn)人支付的保險(xiǎn)金能夠完全彌補(bǔ)被保險(xiǎn)人的損失為要件；保險(xiǎn)代位求償權(quán)是否只能因?yàn)榈谌�人的侵�?quán)行為而產(chǎn)生；保險(xiǎn)人出具的“權(quán)益轉(zhuǎn)讓書”的效力如何；保險(xiǎn)代位求償權(quán)以誰的名義行使；保險(xiǎn)代位求償權(quán)行使的對象是否有限制，具體限制的對象有哪些；人身保險(xiǎn)一律不適用保險(xiǎn)代位求償權(quán)是否合理等等。這些問題在保險(xiǎn)糾紛案件中經(jīng)常出現(xiàn)，成為保險(xiǎn)糾紛案件審判中的難點(diǎn)問題。 有鑒于此，在論述保險(xiǎn)代位求償權(quán)基礎(chǔ)理論的基礎(chǔ)上，本文重點(diǎn)對保險(xiǎn)代位求償權(quán)適用過程中遇到的爭議問題進(jìn)行探討，以期使保險(xiǎn)代位求償權(quán)制度得到完善，使保險(xiǎn)代位求償權(quán)的適用的得到完善。 本文共分為五個(gè)部分： 第一部分內(nèi)容主要介紹和論述了保險(xiǎn)代位求償權(quán)的基礎(chǔ)理論，為接下來探討該項(xiàng)權(quán)利的法律適用做好鋪墊。保險(xiǎn)代位求償權(quán)起源于羅馬法的債權(quán)轉(zhuǎn)移制度，性質(zhì)為法定債權(quán)轉(zhuǎn)讓，目的和功能為在規(guī)避道德風(fēng)險(xiǎn)的同時(shí)保障被保險(xiǎn)人損失獲得充分的補(bǔ)償。 第二部分內(nèi)容主要探討保險(xiǎn)代位求償權(quán)成立的法律適用問題。具體論述了保險(xiǎn)代位求償權(quán)產(chǎn)生原因、取得條件、取得證明和成立條件四個(gè)問題。 第三部分內(nèi)容主要論述了保險(xiǎn)代位求償權(quán)行使的法律適用問題。重點(diǎn)針對保險(xiǎn)代位求償權(quán)行使名義、行使對象和行使范圍三個(gè)問題進(jìn)行了研究。 第四部分內(nèi)容主要是對保險(xiǎn)代位求償權(quán)的法律保護(hù)問題進(jìn)行了探討。重點(diǎn)論述保險(xiǎn)人行使保險(xiǎn)代位求償權(quán)時(shí)被保險(xiǎn)人的協(xié)助義務(wù)和被保險(xiǎn)人棄權(quán)時(shí)保險(xiǎn)人保險(xiǎn)代位求償權(quán)保護(hù)兩個(gè)問題。 第五部分內(nèi)容主要論述了保險(xiǎn)代位求償權(quán)訴訟時(shí)效的法律適用問題。重點(diǎn)探討了保險(xiǎn)代位求償權(quán)訴訟時(shí)效期間的確定、訴訟時(shí)效起始時(shí)間的確定和訴訟時(shí)效中斷三個(gè)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(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D922.284

【參考文獻(xiàn)】

相關(guān)期刊論文 前2條

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2 溫世揚(yáng);武亦文;;論保險(xiǎn)代位權(quán)的法理基礎(chǔ)及其適用范圍[J];清華法學(xué);2010年04期

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