保险代位追偿权的构成要件是什么-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	保险代位追偿权的构成要件是什么
释义	根据语义学，代位追偿权中“代位”本身的含义已暗含“代替他人原来所享有的地位(权利)”的意思，也即，代位权行使的前提是：被代替之人原来已经享有了某权利——盖权利不得毫无缘由地产生。我国保险法第四十四条第1款规定：“因第三者对保险标的的损害而造成保险事故的，保险人自向被保险人赔偿保险金之日起，在赔偿金额范围内代位行使被保险人对第三者请求赔偿的权利。”从该条规定可以看出，保险法已经明确地规定了保险人的代位追偿权是代位行使“被保险人对第三者请求赔偿的权利”。因此，保险代位追偿权的成立要件中应当增加一点，即被保险人因保险事故主对第三者享有损害赔偿请求权。
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