被保险人故意放弃向第三人求偿权利，保险人如何救济？-保险法律援助-法律咨询免费平台-国际律师联盟

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问题	被保险人故意放弃向第三人求偿权利，保险人如何救济？
释义	法律分析：被保险人因一般过失致使保险人不能实现代位权的，保险人仍应承担理赔责任，只有在被保险人故意或重大过失的情形下，导致保险人不能向第三人求偿的，会产生保险人要求扣减或返还保险金的法律后果。因此，被保险人放弃赔偿权进而损害了保险人代位权的行使，故意损害保险公司的利益的，保险人就可以采取扣除保险金或要求返还保险金的救济措施。法律依据：《中华人民共和国保险法》第六十一条被保险人故意或者因重大过失致使保险人不能行使代位请求赔偿的权利的，保险人可以扣减或者要求返还相应的保险金。
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