保险人的代位求偿权,也称代位追索权,是指保险人在按照保险合同的条款规定赔付了被保险人的全部或部分损失以后,得在其赔偿金额的限度内要求被保险人转让其对造成损害的第三人要求赔偿的权利,也就是说保险人赔偿了被保险人投保利益的损失后,向造成损害的第三人进行追偿的权利。保险人的代位求偿权就其性质而言,与债权法中的代位权有着较深的渊源关系.当保险标的因发生保险事故而遭受损失时,如果事故是由第三人的行为所致,则被保险人可因第三人的侵权或违约行为,向其提出赔偿请求,如被保险人已从保险人处取得 Subrogation of the insurer, also known as subrogation, refers to the insurer in accordance with the terms of the insurance contract to pay the insured person in whole or in part after the loss, the amount of its compensation within the limits required insured Transfer the right to claim compensation for the third party who caused the damage, that is to say, the insurer compensates the insured person for the loss of the benefit, and reinstates the third party who caused the damage. Subrogation of the insurer, by its very nature, has a deep relationship with the subrogation in the law of claim.If the insured subject suffers a loss due to an insured event, if the accident is caused by a third person's act , The insured person may make a claim for compensation due to a third person's infringement or breach of contract. If the insured person has obtained from the insurer