right of subrogation

简明释义

代位求偿权

英英释义

例句

1.The homeowner's policy included a clause about the right of subrogation 代位求偿权, allowing the insurer to step into the shoes of the insured.

房主的保单中包含有关代位求偿权 right of subrogation的条款，允许保险公司代替被保险人行使权利。

2.The right of subrogation 代位求偿权 allows an insurer to pursue claims against third parties after compensating their insured clients.

在赔偿被保险客户后，代位求偿权 right of subrogation允许保险公司追索第三方的索赔。

3.In cases of theft, the bank may utilize its right of subrogation 代位求偿权 to claim reimbursement from the thief if they are caught.

在盗窃案件中，如果小偷被抓，银行可能会利用其代位求偿权 right of subrogation向小偷索赔。

4.After paying for the damages, the insurance company exercised its right of subrogation 代位求偿权 to recover the costs from the responsible party.

在支付了损害赔偿后，保险公司行使了其代位求偿权 right of subrogation以从责任方追回费用。

5.When the contractor failed to deliver, the client sought damages and the insurance firm invoked its right of subrogation 代位求偿权 against the contractor.

当承包商未能交付时，客户寻求赔偿，保险公司对承包商行使了其代位求偿权 right of subrogation。

作文

The concept of right of subrogation is crucial in the fields of insurance and finance. It refers to the legal right for an insurer or creditor to step into the shoes of the insured or debtor after they have compensated a loss or paid a debt. This means that once the insurer has settled a claim, they can pursue recovery from any third party responsible for the loss. Understanding this concept is essential for both policyholders and businesses alike, as it affects how claims are handled and the financial implications involved. To illustrate, consider a scenario where a homeowner suffers damage to their property due to a neighbor's negligence. The homeowner files a claim with their insurance company, which then compensates them for the damages. Under the right of subrogation (代位求偿权), the insurance company can then seek reimbursement from the neighbor, who was at fault for the incident. This process not only protects the insurer's financial interests but also encourages accountability among individuals and businesses. The right of subrogation is particularly relevant in various types of insurance, including auto, health, and property insurance. For instance, in auto insurance, if a driver is involved in an accident caused by another driver, their insurance company may pay for their repairs. The insurer then has the right to pursue the at-fault driver for the costs incurred. This aspect of subrogation ensures that the responsible party ultimately bears the financial burden of their actions, rather than the innocent party or their insurer. However, it is important to note that the right of subrogation can be subject to limitations based on the terms of the insurance policy or local laws. Some policies may include clauses that restrict the insurer's ability to subrogate, particularly in cases involving personal relationships or certain types of losses. Therefore, it is vital for policyholders to read and understand their insurance contracts thoroughly to know their rights and obligations. In addition to its implications in insurance, the right of subrogation also plays a significant role in the realm of finance, particularly in loan agreements. When a lender provides a loan to a borrower and the borrower defaults, the lender may have the right to recover the amount owed by pursuing third parties who may share liability. This could include guarantors or co-signers. By exercising their subrogation rights, lenders can mitigate losses and maintain financial stability. In conclusion, the right of subrogation (代位求偿权) serves as a critical mechanism in both insurance and finance, promoting fairness and accountability in financial transactions. It allows insurers and creditors to recover losses from responsible parties, ensuring that those who cause harm are held accountable. As such, understanding this concept is essential for anyone engaging with insurance policies or financial agreements, as it directly impacts their rights and responsibilities. By grasping the nuances of the right of subrogation, individuals and businesses can better navigate the complexities of legal and financial matters.

代位求偿权这一概念在保险和金融领域至关重要。它指的是保险公司或债权人在赔偿损失或偿还债务后，依法取代被保险人或债务人的权利。这意味着，一旦保险公司解决了索赔，他们可以追索任何对损失负责的第三方。理解这一概念对于投保人和企业来说都非常重要，因为它影响到索赔的处理方式及其涉及的财务影响。为了说明这一点，考虑一个场景：一位房主因邻居的过失而遭受财产损失。房主向他们的保险公司提出索赔，保险公司随后赔偿了损失。在代位求偿权（right of subrogation）的框架下，保险公司可以向有过错的邻居追讨费用。这一过程不仅保护了保险公司的财务利益，还促进了个人和企业之间的责任感。代位求偿权在各种类型的保险中尤为相关，包括汽车保险、健康保险和财产保险。例如，在汽车保险中，如果一名驾驶员因另一名驾驶员的过失而发生事故，他们的保险公司可能会支付修理费用。然后，保险公司有权向过错驾驶员追讨所产生的费用。这一补偿机制确保了负有责任的一方最终承担其行为造成的财务负担，而不是无辜的一方或其保险公司。然而，需要注意的是，代位求偿权可能会根据保险政策的条款或当地法律受到限制。一些政策可能包含限制保险公司代位求偿的条款，特别是在涉及个人关系或某些类型损失的情况下。因此，投保人必须仔细阅读和理解其保险合同，以了解自己的权利和义务。除了在保险中的影响外，代位求偿权在金融领域，尤其是在贷款协议中，也发挥着重要作用。当贷款人向借款人提供贷款而借款人违约时，贷款人可能有权通过追索可能共同承担责任的第三方来追回欠款。这可能包括担保人或共同签署人。通过行使其代位求偿权，贷款人可以减轻损失并维持财务稳定。总之，代位求偿权（right of subrogation）作为保险和金融中的关键机制，促进了金融交易中的公平性和责任感。它允许保险公司和债权人从责任方那里追回损失，确保造成损害的人员被追究责任。因此，理解这一概念对于任何参与保险政策或金融协议的人来说都是至关重要的，因为它直接影响到他们的权利和责任。通过掌握代位求偿权的细微差别，个人和企业可以更好地应对法律和财务事务的复杂性。