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保险代位求偿权是财产保险中的一项重要制度,其要义是为了使被保险人获得应有赔偿,同时避免有责任的第三人逃避责任,从而更好地实现社会的公平与诚信。鉴于目前我国保险业的发展状况,应加快我国保险立法的脚步。
The insurance subrogation is an important system in property insurance. Its essence is to make the insured obtain due compensation while avoiding the responsible third party to evade the responsibility so as to realize the fairness and integrity of the society better. In view of the current development of our insurance industry, we should speed up the pace of insurance legislation in our country.