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On the nature of the right of subrogation in insurance law
Author(s): 
Pages: 41-45
Year: Issue:  4
Journal: Annual of China Maritime Law

Keyword:  保险代位求偿权债权转让仲裁条款诉讼时效;
Abstract: 保险代位求偿权是财产保险的一项重要法律制度,源自赔偿合同原则.财产保险合同本质上是一种赔偿合同,如果被保险人所遭受的财产损失,已通过保险合同得到补偿,那么,被保险人因该损失而在法律上可获得的减轻或弥补损失的救济和利益便应归保险人,否则,被保险人就可能获得过量补偿而诱发道德风险.中国保险法在借鉴英国海上保险法保险代位求偿制度的基础上,将保险代位求偿权定性为法定债权转让,并考虑到中国的实际情况,通过最高人民法院的司法解释对保险代位求偿权作出了延伸保护.
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