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对(dui)被保(bao)险人来(lai)说,“代位求(qiu)偿(chang)权”有哪些好处(chu)?

  所谓代(dai)位(wei)求(qiu)偿(chang)(chang)权(quan)(quan),是指当(dang)保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)标的(de)(de)(de)遭受保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)事故造成的(de)(de)(de)损失,依法(fa)应由(you)第(di)(di)(di)三者(zhe)承担赔(pei)(pei)(pei)偿(chang)(chang)责任(ren)时,保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)公司自支付保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)赔(pei)(pei)(pei)偿(chang)(chang)金之日起,在赔(pei)(pei)(pei)偿(chang)(chang)金额(e)的(de)(de)(de)限(xian)度(du)内,相应取得向第(di)(di)(di)三者(zhe)请求(qiu)赔(pei)(pei)(pei)偿(chang)(chang)的(de)(de)(de)权(quan)(quan)利。《保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)法(fa)》第(di)(di)(di)45条(tiao)第(di)(di)(di)1款规定:“因第(di)(di)(di)三者(zhe)对保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)标的(de)(de)(de)损害(hai)而造成保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)事故的(de)(de)(de),保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)人自向被保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)人赔(pei)(pei)(pei)偿(chang)(chang)保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)金之日起,在赔(pei)(pei)(pei)偿(chang)(chang)金额(e)范(fan)围内代(dai)位(wei)行使被保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)人对第(di)(di)(di)三者(zhe)请求(qiu)赔(pei)(pei)(pei)偿(chang)(chang)的(de)(de)(de)权(quan)(quan)利。”代(dai)位(wei)求(qiu)偿(chang)(chang)是财产保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)中(zhong)一(yi)项重要(yao)的(de)(de)(de)原则。代(dai)位(wei)求(qiu)偿(chang)(chang)权(quan)(quan)对于被保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)人来说具有积(ji)极保(bao)(bao)(bao)(bao)(bao)障的(de)(de)(de)意义:

  1、更可(ke)靠的赔(pei)偿保(bao)证。被保(bao)险人可(ke)选择(ze)向保(bao)险公司索赔(pei),而保(bao)险公司通常(chang)都具有雄厚的资金实力和资信,这(zhei)往往是其他责任方所无法比拟的。

  2、保险(xian)公司的求偿权(quan)仅限于其赔(pei)偿金额,超出的部分仍归被保险(xian)人所有。

  3、在获得(de)保(bao)(bao)险赔款(kuan)之前,被保(bao)(bao)险人(ren)对(dui)第三(san)方(fang)的(de)求偿(chang)权是(shi)第一位(wei)的(de),也就是(shi)说,被保(bao)(bao)险人(ren)向第三(san)方(fang)追偿(chang)的(de)权利优于(yu)保(bao)(bao)险公司。

  但是(shi),被(bei)保(bao)(bao)(bao)险(xian)(xian)人(ren)(ren)要想(xiang)享受上述便利,还必(bi)须保(bao)(bao)(bao)证保(bao)(bao)(bao)险(xian)(xian)公(gong)(gong)司(si)(si)的代位追(zhui)(zhui)偿(chang)权不(bu)(bu)致(zhi)因其行为而受到损害。例如,未经保(bao)(bao)(bao)险(xian)(xian)公(gong)(gong)司(si)(si)同意(yi),被(bei)保(bao)(bao)(bao)险(xian)(xian)人(ren)(ren)不(bu)(bu)能同第三者责(ze)任(ren)方(fang)达成任(ren)何(he)赔偿(chang)决定或放弃对第三方(fang)责(ze)任(ren)的追(zhui)(zhui)偿(chang),否则(ze),被(bei)保(bao)(bao)(bao)险(xian)(xian)人(ren)(ren)将失去从保(bao)(bao)(bao)险(xian)(xian)公(gong)(gong)司(si)(si)获(huo)得赔偿(chang)的权利。此外,被(bei)保(bao)(bao)(bao)险(xian)(xian)人(ren)(ren)还有义务向保(bao)(bao)(bao)险(xian)(xian)公(gong)(gong)司(si)(si)提供(gong)必(bi)要的证明文(wen)件(jian)和资料,协助保(bao)(bao)(bao)险(xian)(xian)公(gong)(gong)司(si)(si)向第三方(fang)责(ze)任(ren)人(ren)(ren)追(zhui)(zhui)偿(chang)。

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