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保险代位求偿权是财产保险中基于损失补偿原则和公平原则产生的一项法定权利。保险代位求偿权在行使过程会产生被保险人既向保险人索赔又向第三人索赔的情形。被保险人的索赔请求权关系到保险代位求偿权适用的法定主义还是意定主义,是否会诱发被保险人实施道德风险和诉讼过程中被保险人面临双重索赔的困境。
Insurance subrogation is a statutory right in property insurance based on the principle of loss compensation and fairness. In the course of exercising, the right of insurance subrogation will result in the claim of the insured from the insurer and the third party. Whether the insured claims claim relates to the statutory or deterministic application of the insurance subrogation right will induce the insured to practice moral hazard and the insured faces the double claim in litigation.