2. 自考
  3. Give an example to illustrate the subprinciple of subrogation.

Give an example to illustrate the subprinciple of subrogation.

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问题 Give an example to illustrate the subprinciple of subrogation.
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答案Imagine a situation where A has insured his cargo with B and it is damaged by C’s negligence．A will naturally claim against B，who will pay up for the loss suffered．However，because C was negligent，a legal action by A against C would almost certainly lead to an award of damages against C．A would thus be compensated twice，and this would be a breach of the principle of indemnity．To prevent this happening，B，the insurer，is substituted for A，the assured，in any legal action against C．
解析 代位追偿原则是与赔偿有关的辅助原则，“代位”一词表示“取代另一方”。试想一下这样的情景：A方为货物向B方投了保，但货物因C方的疏忽而损坏。自然A方要向B方索赔，让B方来承担遭受的损失。但由于损失是C方的疏忽造成的，A方通过法律手段向C方的起诉必然使得C方被裁定赔偿损失。于是A方因此获得了两次赔偿，而这是违背赔偿原则的。为了阻止这种事情发生，承保人B方代替投保人A方以法律形式向C方索赔。
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