麻烦各位高手,帮我翻译一下这段内容,感激不尽!!!

来源:百度知道 编辑:UC知道 时间:2024/07/02 04:42:55
保险代位求偿权制度是财产保险的一项基本制度,其宗旨是为被保险人提供双重保障,以确保被保险人的损失得以充分补偿,同时也可防止其获得双重利益。本文通过对代位求偿权的特征、构成要件及其行使等相关问题进行论述,认为,代位求偿权的法理依据是保险损失补偿原则和民法中的公平原则;其法律本质是一种债权转移,是保险人对第三人享有的、同时又从属于被保险人求偿权的法定权利。保险人可以以自己的名义行使代位求偿权,但要受到一定的限制,它只适用于财产保险,并且不可适用于不可抗力和一些具有特殊性的保险。代位求偿权的时效适用我国《民法通则》的相关规定,并且起算点应从保险人知道有保险事故发生之日起开始计算。

Insurance subrogation right system is a basic property insurance system, whose purpose is to provide for double protection insurance to ensure that the loss of the insured person can be fully compensated, but also to prevent their access to double benefits. In this paper, the right of subrogation of the characteristics of the exercise of such elements and their related issues discussed, the view that the right of subrogation is a legal basis for compensation for insured losses in the civil law principles and the principle of equity; its legal nature is a creditor of is the insurer of a third party to enjoy, at the same time, subordinate to the insured person the right to claim statutory rights. Insurers can be exercised on behalf of their right of subrogation, but subject to certain restrictions, it only applies to property insurance and is not applicable to force majeure and some have special insurance. The right of subrogation statute of limitations applicable to our country, &quo