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保险代位求偿权指的是在财产保险中,保险人在履行保险合同并赔偿被保险人的损失后,所取得的在其赔付保险金的限度内向负有赔偿责任的第三人求偿的权利。保险代位求偿权具有避免被保险人获得双重赔偿、防止加害第三人脱免责任、促使社会大众小心预防意外发生、增加保险人责任财产等规范价值,我国保险法应当坚持这一制度。保险代位求偿权的性质属于债权,来源于法定债权移转。
Insurance subrogation refers to the property insurance, the insurer in the implementation of the insurance contract and compensation for the loss of the insured person, obtained within the limits of the insurance premiums to the third party liable to compensation right. The insurance subrogation has the normative value of avoiding the insured person’s double compensation, preventing the harm of the third party from being removed from liability, prompting the general public to be careful about preventing accidents and increasing the liability of the insurer, etc. Our country’s insurance law should adhere to this system. The nature of the insurance subrogation right belongs to the creditor’s rights, which comes from the transfer of the legal claims.