随着保户法律意识的提高，对保险合同条款理解逐步加深，在诸如运工险、货运险等此类常涉及第三者责任的保险理赔中，保户不再像以前那样按照保险公司的意思直接向责任者要求赔偿，而是更倾向于依据保单向保险公司索赔，将向第三者追偿的权利转给保险公司。因此，由保险公司取 With the improvement of legal awareness of policyholders, the understanding of the terms of insurance contracts is gradually deepened. In such insurance claims, which often involve the responsibility of third parties, such as transport insurance and cargo insurance, policyholders no longer follow the rules of insurance companies Meaning directly to the responsible person for compensation, but more inclined to claim insurance companies under the policy, the right to recover the third party to the insurance company. Therefore, taken by the insurance company