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一、问题提出2009年,新《保险法》出台。关于财险的代位求偿,《保险法》第六十条第一款作出明确规定:“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。”在财产保险中,根据保险金额和保险价值的关系,可以将保险分为超额保险、全额保险和不足额保险(由于绝大部分财产保险都是不定值保险,所以此处保险价值以出险时实际价值为标
First, the problem proposed In 2009, the new “Insurance Law” was introduced. With regard to the subrogation of property insurance, the first paragraph of Article 60 of the Insurance Law clearly stipulates: “When an insurer causes an insured event because the third party damages the insured object, the insurer pays the insured person the insured amount Day, the right to exercise the insured’s claim for compensation from a third party within the scope of the compensation amount. ”In the property insurance, the insurance can be classified as excess insurance, full insurance and Insufficient insurance (Since most property insurance are indefinite insurance, the insured value here is the actual value of the insured