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在不足额保险中,当保险标的因第三者的责任造成保险损失后,若第三者的清偿能力不足,无法同时满足保险人的代为权和被保险人对第三者的索赔权时,由于现行《保险法》及相关法律未明确规定谁拥有优先索赔权,导致保险实务中对保险人如何行使代位权有不同的处理意见。本文通过对不足额保险相关理论的探讨,认为在不足额保险中,应依据比例原则实现保险人的代位权。
In the insufficiency insurance, when the insurance subject to the third party’s liability for the loss of insurance, if the third party’s liquidity is insufficient, can not satisfy both the insurer’s behalf and the insured person’s right to claim a third party, as a result of The current “Insurance Law” and related laws do not clearly stipulate who has the priority right of claim, which leads to different handling opinions on how the insurer exercises subrogation in insurance practice. Through the discussion of the theory of insufficiency insurance, this paper argues that in the insufficiency insurance, the subrogation of the insurer should be realized according to the principle of proportionality.