摘 要
本文探讨了保险人代位求偿权的相关概述、法律意义及行使中存在的问题，并提出了完善对策。代位求偿权作为保险法中的核心制度，旨在防止被保险人双重获赔，维护保险市场公平秩序，保障保险人合法权益。然而，在实践中，赔偿范围界定不清、行使时机未明确、法律规定不明确及追偿对象确定困难等问题频现，制约了代位求偿权的有效行使。为完善此制度，本文建议明确赔偿范围与行使时机，加强立法完善，明确追偿对象标准，以期优化代位求偿权行使流程，保障各方合法权益，促进保险市场健康发展。本研究对于完善保险法律制度、提升保险行业服务水平具有重要意义。
关键词：保险人；代位求偿权；损害补偿原则
Abstract
This paper discusses the relevant overview of the insurer, the legal significance and the existing problems existing in the exercise of the right of subrogation, and puts forward the perfect countermeasures. As the core system in the insurance law, the right of subrogation aims to prevent the insured from receiving double compensation, maintain the fair order of the insurance market, and protect the legitimate rights and interests of the insurer. However, in practice, the unclear definition of the scope of compensation, the timing of the exercise problem is not clear, the unclear legal provisions and the difficulty in determining the recovery ob ject are frequent, which restricts the effective exercise of the right of subrogation. In order to improve this system, this paper suggests to clarify the scope of compensation and the timing of exercise, strengthen the improvement of legislation, and clarify the standard of recovery ob ject, in order to optimize the exercise process of subrogation right, protect the legitimate rights and interests of all parties, and promote the healthy development of the insurance market. This study is of great significance for improving the insurance legal system and improving the service level of the insurance industry.
Key words: Insurer; right of subrogation; principle of compensation for damages
目 录
一、引言 1
二、代位求偿权相关概述 1
（一）代位求偿权的定义 1
（二）代位求偿权的适用范围 1
（三）代位求偿权的理论基础 2
三、代位求偿权的法律意义 2
（一）防止被保险人双重获赔 2
（二）维护保险市场的公平与秩序 3
（三）保障保险人合法权益 3
四、保险人代位求偿权行使中的问题 4
（一）赔偿范围界定不清 4
（二）行使时机未明确 4
（三）法律规定不明确 4
（四）追偿对象确定困难 5
五、完善保险人代位求偿权的对策 5
（一）明确赔偿范围 5
（二）明确行使时机 6
（三）加强立法完善 6
（四）明确追偿对象标准 7
结论 7
参考文献 7
致谢 8
