责任保险下第三者请求权与保险人抗辩权的探讨

摘要

责任保险是指以被保险人对第三者依法应负的赔偿责任为保险标的的保险。在责任保险中,为了保护第三者的合法权益,我国保险法赋予第三者在特定情况下有权就其应获赔偿部分直接向保险人请求赔偿保险金。但对于保险人能否以他与被保险人之间的抗辩事由来对抗第三者,我国保险法未加明确,有待于进一步完善。%Liability insurance refers to insurance against liability for the third party in order to protect the legitimate interests of third parties under the liability insurance.Chinese insurance law gives the third party right to be entitled to directly exercise