考察世界各国保险立法例,赋予责任保险之第三人对保险人的直接请求权已是大势所趋。我国现行保险法应更加明确地设置责任保险之第三人的直接请求权。第三人及利益相关人应秉持责任限定、请求权继续保护和诚信原则对保险人直接行使包含财产及有限人身性质利益的请求权,以促使其正当权益的实现。 It is the trend of the times to study the legislation of insurance in all countries in the world and to grant the third party who is responsible for insurance the direct claim of the insurer. China’s current insurance law should be more clearly set the third party liability insurance claims directly. Third parties and stakeholders should uphold the principle of limited liability, the principle of continued claim protection and the principle of good faith to directly exercise the right to claim the interests of the insurer, including property and limited personal qualifications, so as to promote the realization of their legitimate rights and interests.