| 保险代位权在人身保险中的适用——兼析保险法第46条 |
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| 引用本文： | 方太文.保险代位权在人身保险中的适用——兼析保险法第46条[J].宁波广播电视大学学报,2011,9(1):52-55. |
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| 作者姓名： | 方太文 |
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| 作者单位： | 西南政法大学民商法学院,重庆,400031 |
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| 摘 要： | 保险代位权是否适用于人身保险,只有在被保险人或受益人可能获得双重给付的情境才有探讨价值。在被保险人可以主张双重给付的情境,保险人支付保险金和第三人承担损害赔偿责任的性质皆为对被保险人的损害填补,因而可以适用保险代位权。保险代位权在人身保险的适用与其在财产保险中的适用差别不大。
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| 关 键 词： | 保险代位权 人身保险 损害赔偿 |
Application of Subrogation in Personal Insurance |
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| FANG Tai-wen.Application of Subrogation in Personal Insurance[J].Journal of Ningbo Radio & TV University,2011,9(1):52-55. |
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| Authors: | FANG Tai-wen |
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| Institution: | FANG Tai-wen(Southwest University of Political Science&law,Chongqing 400031,China) |
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| Abstract: | Whether the subrogation can be applied to personal insurance is worth discussing only when the insurant can get double rewards.Under such circumstances,both insurance money and the quality of the third party＇s responsibility to pay for the compensation are regarded as an indemnity to the insurant,and therefore the subrogation can be applied,which doesn＇t make much difference in its application in personal insurance and property insurance. |
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| Keywords: | Insurance subrogation Personal insurance Loss compensation |
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