【摘要】：代位追償原則是保險(xiǎn)補(bǔ)償原則的派生原則之一，在眾多保險(xiǎn)原則之中占有比較重要的地位，該原則體現(xiàn)了“禁止得利”這一保險(xiǎn)的核心內(nèi)容。本文分三部分從理論和實(shí)踐兩方面對(duì)保險(xiǎn)代位追償原則進(jìn)行剖析。 第一部分從該原則的起源和理論基礎(chǔ)兩方面對(duì)代位追償原則進(jìn)行概述。第二部分介紹保險(xiǎn)代位追償原則的主要內(nèi)容，包括代位追償?shù)哪康�、功能、特點(diǎn)、法律依據(jù)、行使條件、成立的時(shí)間和事由、行使的名義以及實(shí)質(zhì)等方面的內(nèi)容，其中有部分內(nèi)容在理論界仍處于爭(zhēng)論之中，觀點(diǎn)不一，筆者從自己的思路出發(fā)，，表明了立場(chǎng)，對(duì)于理由不是非常充分的觀點(diǎn)，給出了相應(yīng)的補(bǔ)充。 前兩部分從保險(xiǎn)代位追償原則的起源以及目的、功能等主要內(nèi)容對(duì)該原則進(jìn)行了深入地剖析，通過剖析我們看到，在理論上，保險(xiǎn)代位追償原則的實(shí)現(xiàn)是有其理論基礎(chǔ)的，這一原則的實(shí)施得到了普遍的支持；在法律上，我國(guó)《保險(xiǎn)法》、《海商法》等法律法規(guī)都對(duì)保險(xiǎn)代位追償權(quán)給予了相應(yīng)的法律支持，使其在行使的時(shí)候有法可依，有章可循。保險(xiǎn)代位追償原則符合社會(huì)公平原則，避免了被保險(xiǎn)人的不當(dāng)?shù)美�，使保險(xiǎn)的真諦得以體現(xiàn)。但在實(shí)踐中保險(xiǎn)代位追償原則的實(shí)施卻顯得力不從心，由此引出了第三部分，即如何解決更好地實(shí)現(xiàn)保險(xiǎn)代位追償原則的問題。 第三部分通過介紹保險(xiǎn)代位追償原則在我國(guó)應(yīng)用的現(xiàn)狀，找出存在的問題，然后指出，在目前的形勢(shì)下，解決這一問題的最好方法就是在保險(xiǎn)公司內(nèi)部成立追償部門。保險(xiǎn)人在向被保險(xiǎn)人賠付之后，代位取得向第三者責(zé)任方索賠的權(quán)利。在實(shí)務(wù)中，追償主要采取法律訴訟形式，但采取法律形式也存在一定問題，從目前保險(xiǎn)公司的人員設(shè)定情況來看，代位追償?shù)呢?zé)任落在理賠部門的肩上，由理賠人員負(fù)責(zé)追償，這就形成了矛盾：一是理賠部門人力不足，對(duì)現(xiàn)有賠案的處理已經(jīng)讓其抽身乏術(shù)，如果再加上對(duì)追償案件的跟蹤調(diào)查，理賠人員根本沒有經(jīng)歷去做好這些事情；二是追償案件往往涉及到法律訴訟，而理賠人員對(duì)法律相關(guān)知識(shí)的掌握相對(duì)匱乏，不利于今后的訴訟
[Abstract]:The principle of subrogation and recovery is one of the derivative principles of the principle of insurance compensation, which plays an important role in many insurance principles. This article is divided into three parts to analyze the principle of subrogation in theory and practice. The first part summarizes the principle of subrogation recovery from the origin and theoretical basis of the principle. The second part introduces the main contents of the principle of subrogation recovery, including the purpose, function, characteristics, legal basis, conditions of execution, time and cause of establishment, name and substance of subrogation, etc. Some of the content is still in the debate in the theoretical circle, the views are different, the author sets out from his own thinking, shows the position, to the reason is not very sufficient point of view, has given the corresponding supplement. The first two parts deeply analyze the principle of subrogation from its origin, purpose, function and so on. We find that in theory, the realization of the principle of subrogation recovery has its theoretical basis. The implementation of this principle has been generally supported; in law, the insurance law, maritime law and other laws and regulations of our country have given the corresponding legal support to the right of subrogation of insurance, so that it has laws to follow and rules to follow when it is exercised. The principle of insurance subrogation and recovery accords with the principle of social equity, avoids the insurant's improper enrichment, and embodies the true meaning of insurance. But in practice, the implementation of the principle of insurance subrogation recovery appears to be inadequate, which leads to the third part, that is, how to solve the problem of how to better realize the principle of insurance subrogation recovery. The third part introduces the present situation of the application of the subrogation principle in our country, finds out the existing problems, and points out that the best way to solve this problem is to set up the recovery department within the insurance company. After the insurer pays compensation to the insured, subrogation acquires the right to claim against the third party. In practice, recourse is mainly in the form of legal proceedings, but there are still some problems in taking legal form. Judging from the current situation of personnel establishment in insurance companies, the responsibility of subrogation for recovery falls on the shoulders of the claim settlement department, and the claimant is responsible for the recovery. This has formed the contradiction: first, the compensation department manpower is insufficient, the processing of the existing compensation case has already let it get out of the body lacks the skill, if adds to the tracing investigation to the recovery case, the claim personnel has not experienced to do these things well at all; Second, recovery cases often involve legal proceedings, but the relative lack of legal knowledge of claim settlement personnel is not conducive to future litigation.
【學(xué)位授予單位】：東北財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2005
【分類號(hào)】：D922.284

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 孫積祿;保險(xiǎn)代位權(quán)研究[J];法律科學(xué).西北政法學(xué)院學(xué)報(bào);2003年03期

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