一、保险人代位权与被保险人求偿权的冲突保险人代位权是指因第三者对保险标的的损害而造成保险事故的,保险人自向被保险人赔偿保险赔偿金之日起,在赔偿金额范围内代位行使被保险人对第三者请求赔偿的权利。保险人代位权源于被保险人自身对第三者享有的权利,保险人只是在其给付的保险金额范围内代位取得了被保险人对第三者享有的全部或部分请求 First, the subrogation of the insurer and the claimant’s claim for compensation The subrogation of the insurer refers to the insured accident caused by the third party’s damage to the insured subject matter, and the insurer shall, starting from the date the insured pays the insurance compensation , Within the scope of the amount of compensation on behalf of the exercise of the insured person’s right to third parties for compensation. The subrogation of the insurer originates from the insured person’s own right to the third party. The insurer only obtains all or part of the insured’s claim to the third party within the insured amount paid by the insured