论责任保险中“第三人”的法律地位  

On the Direct Claim Right of Third Party Against the Liability Insurer

作　　者：李青武[1] 

机构地区：[1]对外经济贸易大学保险法研究中心,北京100029

出　　处：《学术界》2014年第8期192-201,311,共10页Academics

基　　金：国家社科基金项目"道路交通事故社会救助法律问题研究"(项目号:11BXF033);教育部人文社科研究项目"我国道路交通事故受害人社会救助基金制度重构研究"(项目号:10YJA820051)的阶段性研究成果

摘　　要："第三人"的法律地位是指"第三人"能否依据责任保险合同,直接向保险人行使赔偿请求权。在责任保险制度史上,"第三人"的法律地位经历了"合同第三人"、"准第三受益人"和"第三受益人"三个阶段,其中前两个阶段剥夺或限制了"第三人"的直接请求权,第三阶段的法律地位才真正体现了责任保险的宗旨。"第三人"在责任保险中的法律地位,直接决定了其权益保障和责任保险宗旨的实现程度。我国责任保险制度关于"第三人"法律地位的规定存在缺陷,需通过关于第三人法律地位演变的过程、法理依据、缺陷及其趋势的研究,完善"第三人"法律地位规定。The legal status of the third-party means whether the third-party can claim directly against liability insurance for compensation.Legal status of the third-party has developed from the third-party of the contract to quasi-third beneficiary and then to third beneficiary in the history of the liability insurance system.The first two stages either deprived of or restricted the right of the third-party to claim directly against the liability insurer.Only the legal status of the third beneficiary realizes the purpose of the liability insurance.The legal status of the third-party directly determines whether the compensation can be realized.The article focuses on the legal basis and its defects of the first two stages of the legal status,in order to provide a theoretical basis for improving the system of liability insurance in China.

关 键 词：责任保险 法律地位 合同第三人 准第三受益人 第三受益人 

分 类 号：D922.284[政治法律—经济法学]