论我国保险代位求偿权适用的法律限制

摘要

Insurance subrogation right is an important right in the field of insurance,but it has some legal limits in its application,mainly including nominal,subject,time and scope limits. It is argued that insurer’s name should be used in its exercise and the subject of exercise should be clearly specified;subrogation right should be identical to the damage compensa-tions pleading right in terms of time effect system. In terms of scope limit,it only involves damage compensations and its scope is different from the damage compensations pleading right of the insured.%保险代位求偿权作为保险领域常见的重要权利，其在适用中存在诸多法律限制，主要集中于名义限制、对象限制、时效限制与范围限制四个方面。其中该权利的行使应当以保险人的名义，尤其是应正确把握行使对象的限制，在时效制度上，应当认定其与被保险人所享有的损害赔偿请求权是相同的。在责任的范围限制上，其仅有损害赔偿一种形式，而且其范围也和被保险人的损害赔偿请求权不同。