subrogation(權利代位) 即是什麼??

這是什麼???

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  • 1 十年前
    最愛解答

    先看看摘自維基百科的英文解釋:

    Subrogation is the name given to the legal technique under the common law by which one party (P) steps into the shoes of another party (X), so as to have the benefit of X's rights and remedies against a third party (D). Subrogation is similar in effect to assignment, but unlike assignment subrogation can occur with any agreement between P and X to transfer X's rights. Subrogation most commonly arises in relation to policies of insurance, but the legal technique is of more general application. Using the designations above, P (the party seeking to enforce the rights of another) is called the subrogee. X (the party whose rights the subrogee is enforcing) is called the subrogor.

    In each case, because P pays money to X which otherwise D would have had to pay, the law permits P to enforce X's rights against D to recover some or all of what P has paid out. A very simple (and common) example of subrogation would be as follows:

    D drives a car negligently and damages X's car as a result

    X has comprehensive insurance, and claims under his policy against P, his insurer

    P pays in full to have X's car repaired

    P then sues D for negligence to recoup some or all of the sums paid out to X

    P receives the full amount of any amounts recovered in the action against D up to the amount to which P indemnified X. X retains no to the proceeds of the action against D except to the extent that they exceed the amount that P paid to X

    If X was paid in full by P and still had a claim in full against D, then P could recover "twice" for the same loss. The basis of the law of subrogation is that when P agrees to indemnify X against a certain loss, then X "shall be full indemnified, but never more than fully indemnified ... if ever a proposition was brought forward which is at variance with it, that is to say, which will prevent [X] from obtaining a full indemnity, or which will give to [X] more than a full indemnity, that proposition must certainly be wrong."[1]

    P will normally (but not always) have to bring the claim in the name of X. Accordingly, in situations where subrogation rights are likely to arise within the scope of a contract (ie. in an indemnity insurance policy) it is quite common for the contract to provide that X, as subrogor, will provide all necessary cooperation to P in bringing the claim.

    Subrogation is an equitable remedy and is subject to all the usual limitations which apply to equitable remedies.

    Although the basic concept is relatively straightforward, subrogation is considered to be a highly technical area of the law.

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    看來是保險業的生字,其中文意思:

    保險代位包括「物上代位」與「權利代位」,實務運用主要指權利代位。主要作用在於避免被保險人於保險事故發生而遭受損害後,可能因向保險人及第三人雙重求償而獲得雙重利益。

    被保險人發生保險事故,保險人依保險契約規定補償被保險人損失,同時取得該被保險人對第三人之損害賠償請求權。如第三人因發生事故致使被保險人遭受損失,經保險人賠償予被保險人後,取得被保險人權利可對肇事第三人代位求償。

    http://210.71.186.144/cgi-bin/big5/catalog/pu31v1?...

    資料來源: 維基百科、第一保
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