试论债权代位权对保险法的补充作用  

On adding the law of function on insurance by legal right on behalf

作　　者：阚小冬[1] 

机构地区：[1]福建行政学院,福建福州350002

出　　处：《华东经济管理》2003年第4期118-119,共2页East China Economic Management

摘　　要：在我国,机动车第三者责任保险是作为强制保险全面实施的,而受害人请求权的实现则需要靠被保险人这个环节来衔接,一旦被保险人不知所终(这种情况常常发生),已受到保险合同保障的受害人就会索偿无门,这不仅对受害人不公平,也违背了开设这个险种的初衷。在现有的保险法没有规定、保险合同没有约定的情况下,依据一般法对特殊法起补充作用的法律适用原则,可依照《合同法》债权代位制度,对受害人予以救济。A compulsive insurance of conduct and actions is to completely into practice in our country,liability insurance of mobile car third party of,and victimize the realizing of the right of person claim to then need to depend the insured this link to dock,once the insured does not know the whereabouts(this kind of circumstance usually take place),to suffer the insurance what contract guarantee to victimize the person and then can demand for reimbursement to have no an original intention for,this not only right victimize the persons inequity,but also disobeyed to set up this insurances.At the current insurance method has no a provision,insurance the contract has no an engagement of the right special method of general method of circumstance,basis rise to add the law of the function the suitable for use principle,can according to the right of 《contract method》 legal right on behalf system,right victimize the person to then give relief.

关 键 词：债权代位权 保险法 机动车第三者责任保险 中国 强制保险 

分 类 号：F840.69[经济管理—保险] D922.284[政治法律—经济法学]