保险代位权、保险代位求偿权制度_外文翻译.doc

译文（字数 3450）

整个学说：揭开神秘的保险代位权

约翰尼

帕克JC.整个学说:解开神秘的保险代位权[J].Mo.l .牧师.2005年,70:723.

    保险代位权在法律上作为一种保险公司收回受伤害方报销的参保费用的机制存在.这种代位求偿权是保险公司的权利.这也列入相关规定，承认保险公司寻求代位权或报销付款的事件的损失几乎是每一个类型的保险合同的正常事件。保险公司的这样的情况在政策上并不少见，因此代位都和补偿的规定有关，每一个保险公司都已建立对内的索赔处理程序以及执行其利息主要是通过通过两个代位权和报销被偿还。

代位求偿原则的应用往往发生在保险中。因此，普通法其中的限制被保险方使用代位获得全额赔偿的这个赔偿规定发展了整个主义。本文主要目的是探索取得整个学说。代位权作为当代法院使用的主要武器来保护被保险人的权利。本文的第一部分中,我概述了代位求偿权的扩张和使用各种类型的保险合同。

外文原文（字符数 12831）

 The Made Whole Doctrine: Unraveling the Enigma Wrapped in the Mystery of Insurance Subrogation

Johnny C.Parker

Parker J C. Made Whole Doctrine: Unraveling the Enigma Wrapped in the Mystery of Insurance Subrogation[J]. Mo. L. Rev., 2005, 70: 723.

    Subrogation exists in the law as a mechanism for insurers to recover the costs of reimbursing injured insured parties.The right of subrogation is extremely important to insurers.The inclusion of provisions recognizing the right of insurance companies to seek subrogation or reimbursement for payments made in the event of a loss are the norm for almost every type of insurance contract.It is not uncommon for insurers to include both subrogation and reimbursement provisions in a policy.Consequently,every insurance company has established within its claims process a procedure for enforcing its interest in being repaid through both subrogation and reimbursement.

Application of the doctrine of subrogation often occurs at the expense of the insured.As a result,the common law developed the made whole doctrine,which limits the use of subrogation prior to an insured party receiving full compensation for damages.The primary purpose of this article is to explore the made whole doctrine as the principal weapon used by contemporary courts to curb the harsh effect of contractual subrogation on the rights of the insured.Section I of this article provides an overview of the expansion and use of subrogation in various types of insurance contracts