更高手民法院網考核評價 裝修案例(li)74號——國內 中國人(ren)壽(shou)(shou)(shou)婚(hun)前財產(chan)人(ren)壽(shou)(shou)(shou)保(bao)險費用(yong)股(gu)權現(xian)有機(ji)構最(zui)近(jin)很多用(yong)戶(hu)問我(wo)，說(shuo)(shuo)吉林(lin)分機(ji)構訴最(zui)近(jin)很多用(yong)戶(hu)問我(wo)，說(shuo)(shuo)吉林(lin)深圳安轉國際企業現(xian)有機(ji)構人(ren)壽(shou)(shou)(shou)保(bao)險費用(yong)人(ren)代位求償(chang)權事非案

關鍵(jian)性詞

民事法律/保(bao)險(xian)代位(wei)求償權(quan)/財產保(bao)險(xian)合(he)同/第三者對(dui)保(bao)險(xian)標的的損(sun)害/違約行為

主裁關鍵環節

因第二者(zhe)的(de)悔約做法(fa)(fa)(fa)給被人(ren)身(shen)險(xian)(xian)(xian)(xian)人(ren)的(de)人(ren)身(shen)險(xian)(xian)(xian)(xian)標(biao)(biao)地有受(shou)到損(sun)害(hai)的(de)，能能查證(zheng)為算是《中華(hua)香(xiang)煙中國人(ren)民(min)中華(hua)共和國人(ren)身(shen)險(xian)(xian)(xian)(xian)法(fa)(fa)(fa)》6八條第1款設定的(de)“第三(san)者(zhe)對保險(xian)(xian)(xian)(xian)標(biao)(biao)的(de)的(de)損(sun)害(hai)”的(de)情形。保險(xian)(xian)(xian)(xian)人(ren)由此依法(fa)(fa)(fa)向第三(san)者(zhe)行使(shi)代(dai)位求償權(quan)的(de)，人(ren)民(min)法(fa)(fa)(fa)院應予支持。

相應(ying)的法條(tiao)

《九(jiu)州大(da)家中華(hua)共和國商業保險法》第60條第1款

基(ji)本(ben)的(de)犯罪事實

2007年5月28日(ri)，被人(ren)(ren)(ren)(ren)(ren)身(shen)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)服(fu)(fu)(fu)務(wu)(wu)人(ren)(ren)(ren)(ren)(ren)西北聯手(shou)制(zhi)(zhi)(zhi)(zhi)罐有限(xian)制(zhi)(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)機(ji)(ji)(ji)(ji)構(gou)(gou)機(ji)(ji)(ji)(ji)構(gou)(gou)(一下縮略(lve)詞(ci)西北制(zhi)(zhi)(zhi)(zhi)罐機(ji)(ji)(ji)(ji)構(gou)(gou))、西北聯手(shou)制(zhi)(zhi)(zhi)(zhi)罐最后有限(xian)制(zhi)(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)機(ji)(ji)(ji)(ji)構(gou)(gou)機(ji)(ji)(ji)(ji)構(gou)(gou)(一下縮略(lve)詞(ci)西北制(zhi)(zhi)(zhi)(zhi)罐最后機(ji)(ji)(ji)(ji)構(gou)(gou))與被告江蘇省常(chang)州(zhou)(zhou)市(shi)按(an)照程(cheng)序(xu)(xu)集困有限(xian)制(zhi)(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)機(ji)(ji)(ji)(ji)構(gou)(gou)機(ji)(ji)(ji)(ji)構(gou)(gou)(一下縮略(lve)詞(ci)常(chang)州(zhou)(zhou)市(shi)按(an)照程(cheng)序(xu)(xu)機(ji)(ji)(ji)(ji)構(gou)(gou))簽定(ding)《制(zhi)(zhi)(zhi)(zhi)作(zuo)水(shui)利(li)(li)(li)(li)上(shang)(shang)班(ban)勞(lao)務(wu)(wu)協(xie)議(yi)(yi)(yi)》，合(he)(he)(he)同協(xie)議(yi)(yi)(yi)無效(xiao)(xiao)(xiao)重(zhong)(zhong)任(ren)(ren)由常(chang)州(zhou)(zhou)市(shi)按(an)照程(cheng)序(xu)(xu)機(ji)(ji)(ji)(ji)構(gou)(gou)否則(ze)被人(ren)(ren)(ren)(ren)(ren)身(shen)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)服(fu)(fu)(fu)務(wu)(wu)人(ren)(ren)(ren)(ren)(ren)整廠器機(ji)(ji)(ji)(ji)的(de)(de)(de)(de)(de)(de)專(zhuan)(zhuan)用(yong)裝(zhuang)(zhuang)備(bei)(bei)(bei)(bei)遷建按(an)照程(cheng)序(xu)(xu)等崗位。《制(zhi)(zhi)(zhi)(zhi)作(zuo)水(shui)利(li)(li)(li)(li)上(shang)(shang)班(ban)勞(lao)務(wu)(wu)協(xie)議(yi)(yi)(yi)》最后這區域(yu)“適用(yong)勞(lao)務(wu)(wu)合(he)(he)(he)約(yue)法(fa)條(tiao)(tiao)”第(di)28條(tiao)(tiao)合(he)(he)(he)同協(xie)議(yi)(yi)(yi)無效(xiao)(xiao)(xiao)重(zhong)(zhong)任(ren)(ren)：“個人(ren)(ren)(ren)(ren)(ren)負(fu)(fu)(fu)責(ze)(ze)(ze)人(ren)(ren)(ren)(ren)(ren)按(an)專(zhuan)(zhuan)業(ye)級(ji)箱勞(lao)務(wu)(wu)合(he)(he)(he)約(yue)法(fa)條(tiao)(tiao)的(de)(de)(de)(de)(de)(de)合(he)(he)(he)同協(xie)議(yi)(yi)(yi)無效(xiao)(xiao)(xiao)重(zhong)(zhong)任(ren)(ren)總(zong)(zong)(zong)(zong)包(bao)所(suo)個人(ren)(ren)(ren)(ren)(ren)負(fu)(fu)(fu)責(ze)(ze)(ze)的(de)(de)(de)(de)(de)(de)這區域(yu)水(shui)利(li)(li)(li)(li)，并(bing)與總(zong)(zong)(zong)(zong)包(bao)組(zu)織簽定(ding)總(zong)(zong)(zong)(zong)包(bao)勞(lao)務(wu)(wu)協(xie)議(yi)(yi)(yi)，沒有發(fa)包(bao)人(ren)(ren)(ren)(ren)(ren)接(jie)受，個人(ren)(ren)(ren)(ren)(ren)負(fu)(fu)(fu)責(ze)(ze)(ze)人(ren)(ren)(ren)(ren)(ren)不(bu)將(jiang)個人(ren)(ren)(ren)(ren)(ren)負(fu)(fu)(fu)責(ze)(ze)(ze)水(shui)利(li)(li)(li)(li)的(de)(de)(de)(de)(de)(de)某(mou)些(xie)這區域(yu)總(zong)(zong)(zong)(zong)包(bao)”;“水(shui)利(li)(li)(li)(li)總(zong)(zong)(zong)(zong)包(bao)不(bu)清除個人(ren)(ren)(ren)(ren)(ren)負(fu)(fu)(fu)責(ze)(ze)(ze)人(ren)(ren)(ren)(ren)(ren)某(mou)些(xie)重(zhong)(zhong)任(ren)(ren)與權利(li)(li)(li)(li)義務(wu)(wu)。個人(ren)(ren)(ren)(ren)(ren)負(fu)(fu)(fu)責(ze)(ze)(ze)人(ren)(ren)(ren)(ren)(ren)應(ying)(ying)(ying)在總(zong)(zong)(zong)(zong)包(bao)安裝(zhuang)(zhuang)程(cheng)序(xu)(xu)地(di)(di)點派駐某(mou)些(xie)管理(li)(li)系(xi)統的(de)(de)(de)(de)(de)(de)技術(shu)考生，提高(gao)本(ben)勞(lao)務(wu)(wu)協(xie)議(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)履行。總(zong)(zong)(zong)(zong)包(bao)組(zu)織的(de)(de)(de)(de)(de)(de)某(mou)些(xie)合(he)(he)(he)同協(xie)議(yi)(yi)(yi)無效(xiao)(xiao)(xiao)手(shou)段或(huo)忽略(lve)造(zao)成的(de)(de)(de)(de)(de)(de)水(shui)利(li)(li)(li)(li)有損(sun)或(huo)給發(fa)包(bao)因人(ren)(ren)(ren)(ren)(ren)改(gai)造(zao)成另外(wai)(wai)的(de)(de)(de)(de)(de)(de)損(sun)失費(fei)，個人(ren)(ren)(ren)(ren)(ren)負(fu)(fu)(fu)責(ze)(ze)(ze)人(ren)(ren)(ren)(ren)(ren)履行連(lian)同重(zhong)(zhong)任(ren)(ren)”。《制(zhi)(zhi)(zhi)(zhi)作(zuo)水(shui)利(li)(li)(li)(li)上(shang)(shang)班(ban)勞(lao)務(wu)(wu)協(xie)議(yi)(yi)(yi)》其次(ci)(ci)這區域(yu)“專(zhuan)(zhuan)業(ye)級(ji)箱勞(lao)務(wu)(wu)合(he)(he)(he)約(yue)法(fa)條(tiao)(tiao)”第(di)一4條(tiao)(tiao)第(di)(1)項合(he)(he)(he)同協(xie)議(yi)(yi)(yi)無效(xiao)(xiao)(xiao)重(zhong)(zhong)任(ren)(ren)“個人(ren)(ren)(ren)(ren)(ren)負(fu)(fu)(fu)責(ze)(ze)(ze)人(ren)(ren)(ren)(ren)(ren)不(bu)將(jiang)本(ben)水(shui)利(li)(li)(li)(li)做總(zong)(zong)(zong)(zong)包(bao)上(shang)(shang)班(ban)”。“適用(yong)勞(lao)務(wu)(wu)合(he)(he)(he)約(yue)法(fa)條(tiao)(tiao)”第(di)40條(tiao)(tiao)合(he)(he)(he)同協(xie)議(yi)(yi)(yi)無效(xiao)(xiao)(xiao)重(zhong)(zhong)任(ren)(ren)：“水(shui)利(li)(li)(li)(li)破土動工(gong)前，發(fa)包(bao)因人(ren)(ren)(ren)(ren)(ren)制(zhi)(zhi)(zhi)(zhi)作(zuo)水(shui)利(li)(li)(li)(li)和(he)上(shang)(shang)班(ban)安裝(zhuang)(zhuang)程(cheng)序(xu)(xu)地(di)(di)點內的(de)(de)(de)(de)(de)(de)若無的(de)(de)(de)(de)(de)(de)的(de)(de)(de)(de)(de)(de)技術(shu)考生及(ji)其次(ci)(ci)人(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)技術(shu)考生生命值(zhi)(zhi)值(zhi)(zhi)財物分割處(chu)理(li)(li)人(ren)(ren)(ren)(ren)(ren)身(shen)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)服(fu)(fu)(fu)務(wu)(wu)，信(xin)用(yong)卡(ka)結(jie)算(suan)卡(ka)人(ren)(ren)(ren)(ren)(ren)身(shen)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)服(fu)(fu)(fu)務(wu)(wu)相應(ying)(ying)(ying)學(xue)費(fei)”;“運至上(shang)(shang)班(ban)安裝(zhuang)(zhuang)程(cheng)序(xu)(xu)地(di)(di)點內應(ying)(ying)(ying)用(yong)于水(shui)利(li)(li)(li)(li)的(de)(de)(de)(de)(de)(de)材料和(he)待(dai)按(an)照程(cheng)序(xu)(xu)的(de)(de)(de)(de)(de)(de)專(zhuan)(zhuan)用(yong)裝(zhuang)(zhuang)備(bei)(bei)(bei)(bei)，由發(fa)包(bao)人(ren)(ren)(ren)(ren)(ren)處(chu)理(li)(li)人(ren)(ren)(ren)(ren)(ren)身(shen)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)服(fu)(fu)(fu)務(wu)(wu)，并(bing)信(xin)用(yong)卡(ka)結(jie)算(suan)卡(ka)人(ren)(ren)(ren)(ren)(ren)身(shen)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)服(fu)(fu)(fu)務(wu)(wu)相應(ying)(ying)(ying)學(xue)費(fei)”;“發(fa)包(bao)人(ren)(ren)(ren)(ren)(ren)就(jiu)可(ke)以(yi)將(jiang)關于 人(ren)(ren)(ren)(ren)(ren)身(shen)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)服(fu)(fu)(fu)務(wu)(wu)情況(kuang)說明(ming)下令讓個人(ren)(ren)(ren)(ren)(ren)負(fu)(fu)(fu)責(ze)(ze)(ze)人(ren)(ren)(ren)(ren)(ren)處(chu)理(li)(li)，相應(ying)(ying)(ying)學(xue)費(fei)由發(fa)包(bao)人(ren)(ren)(ren)(ren)(ren)履行”;“個人(ren)(ren)(ren)(ren)(ren)負(fu)(fu)(fu)責(ze)(ze)(ze)人(ren)(ren)(ren)(ren)(ren)要(yao)為任(ren)(ren)職(zhi)的(de)(de)(de)(de)(de)(de)危險(xian)(xian)(xian)(xian)上(shang)(shang)班(ban)的(de)(de)(de)(de)(de)(de)教工(gong)處(chu)理(li)(li)出現意外(wai)(wai)力傷(shang)害(hai)值(zhi)(zhi)害(hai)人(ren)(ren)(ren)(ren)(ren)身(shen)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)服(fu)(fu)(fu)務(wu)(wu)，并(bing)以(yi)上(shang)(shang)班(ban)安裝(zhuang)(zhuang)程(cheng)序(xu)(xu)地(di)(di)點內若無的(de)(de)(de)(de)(de)(de)的(de)(de)(de)(de)(de)(de)技術(shu)考生生命值(zhi)(zhi)值(zhi)(zhi)財物分割和(he)上(shang)(shang)班(ban)機(ji)(ji)(ji)(ji)械裝(zhuang)(zhuang)備(bei)(bei)(bei)(bei)的(de)(de)(de)(de)(de)(de)專(zhuan)(zhuan)用(yong)裝(zhuang)(zhuang)備(bei)(bei)(bei)(bei)處(chu)理(li)(li)人(ren)(ren)(ren)(ren)(ren)身(shen)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)服(fu)(fu)(fu)務(wu)(wu)，信(xin)用(yong)卡(ka)結(jie)算(suan)卡(ka)人(ren)(ren)(ren)(ren)(ren)身(shen)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)(si)(si)服(fu)(fu)(fu)務(wu)(wu)相應(ying)(ying)(ying)學(xue)費(fei)”。

200七(qi)年15月16日，常州(zhou)施(shi)工(gong)(gong)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)與常州(zhou)亞民(min)大件快遞起(qi)重(zhong)(zhong)主(zhu)(zhu)機(ji)(ji)(ji) 有(you)(you)(you)現企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(下縮略(lve)詞(ci)亞民(min)運(yun)(yun)(yun)(yun)送(song)(song)管(guan)(guan)(guan)理(li)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye))企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)簽立(li)(li)《業(ye)(ye)(ye)務總(zong)包配(pei)資紙質(zhi)合(he)同(tong)(tong)(tong)(tong)》，將所(suo)訴配(pei)資紙質(zhi)合(he)同(tong)(tong)(tong)(tong)中(zhong)(zhong)的(de)主(zhu)(zhu)機(ji)(ji)(ji) 起(qi)重(zhong)(zhong)吊裝、運(yun)(yun)(yun)(yun)送(song)(song)管(guan)(guan)(guan)理(li)總(zong)包給亞民(min)運(yun)(yun)(yun)(yun)送(song)(song)管(guan)(guan)(guan)理(li)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)。200七(qi)年15月15日，就綜上(shang)所(suo)述(shu)整廠遷建主(zhu)(zhu)機(ji)(ji)(ji) 施(shi)工(gong)(gong)業(ye)(ye)(ye)務，華(hua)(hua)中(zhong)(zhong)地區(qu)制罐(guan)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)、華(hua)(hua)中(zhong)(zhong)地區(qu)制罐(guan)二(er)、企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)向(xiang)中(zhong)(zhong)國國安康銀(yin)行(xing)家產(chan)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務股分(fen)(fen)有(you)(you)(you)現企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)寧(ning)波分(fen)(fen)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(下縮略(lve)詞(ci)安康銀(yin)行(xing)財險(xian)(xian)(xian)(xian)(xian)(xian)(xian)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye))人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)了(le)施(shi)工(gong)(gong)業(ye)(ye)(ye)務所(suo)有(you)(you)(you)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)。人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)單中(zhong)(zhong)商(shang)朝(chao)歷(li)史被(bei)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)為華(hua)(hua)中(zhong)(zhong)地區(qu)制罐(guan)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)及華(hua)(hua)中(zhong)(zhong)地區(qu)制罐(guan)二(er)、企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)，并清晰商(shang)朝(chao)歷(li)史經營權人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)常州(zhou)施(shi)工(gong)(gong)企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)不被(bei)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)。人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)單“化學物(wu)質(zhi)傷害人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)務和人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)錢數”欄載明(ming)“施(shi)工(gong)(gong)業(ye)(ye)(ye)務人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)錢數為177465335.56元”。額(e)外(wai)增(zeng)加險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)(zhong)，還人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)有(you)(you)(you)“內(nei)(nei)陸(lu)運(yun)(yun)(yun)(yun)送(song)(song)管(guan)(guan)(guan)理(li)拓(tuo)展條例(li)A”，合(he)同(tong)(tong)(tong)(tong)訂立(li)(li)每(mei)一次(ci)的(de)安全安全生產(chan)事(shi)故家產(chan)傷害補(bu)償(chang)金限制為200萬塊我們幣(bi)。人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)時(shi)限從200七(qi)年15月15日起(qi)至20158月份31日止。人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)單附(fu)有(you)(you)(you)被(bei)施(shi)工(gong)(gong)絲機(ji)(ji)(ji)主(zhu)(zhu)機(ji)(ji)(ji) 的(de)明(ming)細單，中(zhong)(zhong)僅具(ju)有(you)(you)(you)：SEQUA數碼機(ji)(ji)(ji)2臺，總(zong)計原數值為29894340.88元。人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)購(gou)買(mai)(mai)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)單另附(fu)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務條例(li)中(zhong)(zhong)，對“內(nei)(nei)陸(lu)運(yun)(yun)(yun)(yun)送(song)(song)管(guan)(guan)(guan)理(li)拓(tuo)展條例(li)A”作詳(xiang)細反映：經夫妻之間同(tong)(tong)(tong)(tong)意(yi)書，考慮到被(bei)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)已按合(he)同(tong)(tong)(tong)(tong)訂立(li)(li)竣(jun)工(gong)(gong)了(le)額(e)外(wai)增(zeng)加的(de)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務費，人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務企(qi)(qi)(qi)(qi)業(ye)(ye)(ye)負責任補(bu)償(chang)金被(bei)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)的(de)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務家產(chan)在中(zhong)(zhong)國國我們共合(he)國臨省(sheng)供應(ying)地到人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務單中(zhong)(zhong)列明(ming)的(de)施(shi)工(gong)(gong)地，除水(shui)路物(wu)流(liu)運(yun)(yun)(yun)(yun)輸配(pei)送(song)(song)和國際空運(yun)(yun)(yun)(yun)或者(zhe)的(de)內(nei)(nei)陸(lu)運(yun)(yun)(yun)(yun)送(song)(song)管(guan)(guan)(guan)理(li)沿途因自(zi)然(ran)規律嚴重(zhong)(zhong)的(de)或交通(tong)意(yi)外(wai)安全安全生產(chan)事(shi)故激發的(de)傷害，但(dan)被(bei)人(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)(ren)身(shen)(shen)(shen)(shen)(shen)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)服(fu)務家產(chan)在運(yun)(yun)(yun)(yun)送(song)(song)管(guan)(guan)(guan)理(li)時(shi)都要有(you)(you)(you)合(he)格(ge)證的(de)標簽印刷及裝入。

2006年15月19日(ri)10時30分許，亞民(min)貨(huo)運(yun)業(ye)單(dan)(dan)位驅(qu)動(dong)員(yuan)姜玉才(cai)驅(qu)動(dong)蘇(su)(su)L06069、蘇(su)(su)L003掛特重型大貨(huo)車，從舊車間(jian)承運(yun)印(yin)(yin)刷機(ji)(ji)(ji)至新車間(jian)的期間(jian)，在轉彎時在車上(shang)鋼纜繩(sheng)斷(duan)開，容易造成印(yin)(yin)刷機(ji)(ji)(ji)翻(fan)(fan)側剝落(luo)室內地坪丟失。平(ping)中(zhong)國人(ren)壽安財(cai)險(xian)(xian)(xian)單(dan)(dan)位接險(xian)(xian)(xian)后(hou)(hou)，對(dui)(dui)受破損(sun)(sun)(sun)標敲定(ding)了明細。經常州(zhou)市公(gong)安機(ji)(ji)(ji)關局客運(yun)巡邏車警官大隊實地查勘，介(jie)定(ding)姜玉才(cai)負問(wen)(wen)題全不(bu)工作。后(hou)(hou)華(hua)(hua)東地區(qu)地區(qu)制(zhi)罐(guan)單(dan)(dan)位、華(hua)(hua)東地區(qu)地區(qu)制(zhi)罐(guan)二是單(dan)(dan)位、平(ping)中(zhong)國人(ren)壽安財(cai)險(xian)(xian)(xian)單(dan)(dan)位、常州(zhou)裝置(zhi)單(dan)(dan)位及(ji)亞民(min)貨(huo)運(yun)業(ye)單(dan)(dan)位雙方委托代理泛華(hua)(hua)人(ren)身險(xian)(xian)(xian)公(gong)估(gu)有限制(zhi)單(dan)(dan)位(左(zuo)右簡稱為泛華(hua)(hua)公(gong)估(gu)單(dan)(dan)位)對(dui)(dui)出險(xian)(xian)(xian)問(wen)(wen)題財(cai)產損(sun)(sun)(sun)失采取(qu)公(gong)估(gu)，并均(jun)準許大力支持泛華(hua)(hua)公(gong)估(gu)單(dan)(dan)位的之后(hou)(hou)理算畢竟。205年12月9日(ri)，泛華(hua)(hua)公(gong)估(gu)單(dan)(dan)位開具了公(gong)估(gu)行(xing)業(ye)報告，總(zong)結：出險(xian)(xian)(xian)根(gen)本原(yuan)因(yin)系機(ji)(ji)(ji)械(xie)設備貨(huo)運(yun)業(ye)期間(jian)翻(fan)(fan)落(luo)(交通意外問(wen)(wen)題);投保單(dan)(dan)工作開辦;定(ding)損(sun)(sun)(sun)資金(jin)總(zong)損(sun)(sun)(sun)1518431.33元(yuan)、凈(jing)損(sun)(sun)(sun)1498431.33元(yuan);理算資金(jin)1498431.33元(yuan)。泛華(hua)(hua)公(gong)估(gu)單(dan)(dan)位收費(fei)標準了平(ping)中(zhong)國人(ren)壽安財(cai)險(xian)(xian)(xian)單(dan)(dan)位信用卡支付的4790零(ling)元(yuan)公(gong)估(gu)費(fei)。

2010年15月2日(ri)，華中制罐機(ji)(ji)(ji)構(gou)(gou)(gou)及華中制罐第二點機(ji)(ji)(ji)構(gou)(gou)(gou)向(xiang)(xiang)深圳(zhen)市安裝使用機(ji)(ji)(ji)構(gou)(gou)(gou)發(fa)布《虧(kui)損(sun)資金(jin)(jin)賠償函》，稱“該人身事(shi)故(gu)使得的(de)大部份虧(kui)損(sun)資金(jin)(jin)應由貴(gui)局與(yu)亞(ya)(ya)民車輛運(yun)送機(ji)(ji)(ji)構(gou)(gou)(gou)共同的(de)承載。我們逐(zhu)漸向(xiang)(xiang)購(gou)買(mai)穩(wen)妥(tuo)(tuo)的(de)國(guo)內泰康財產(chan)分割(ge)穩(wen)妥(tuo)(tuo)資產(chan)有限單位機(ji)(ji)(ji)構(gou)(gou)(gou)深圳(zhen)市中心的(de)支機(ji)(ji)(ji)構(gou)(gou)(gou)報險。已(yi)經虧(kui)損(sun)資金(jin)(jin)余額(e)選擇，購(gou)買(mai)穩(wen)妥(tuo)(tuo)機(ji)(ji)(ji)構(gou)(gou)(gou)核對并先陪(pei)(pei)付(fu)后，對陪(pei)(pei)付(fu)交易額(e)內的(de)正當權益，將我來們讓(rang)渡給購(gou)買(mai)穩(wen)妥(tuo)(tuo)機(ji)(ji)(ji)構(gou)(gou)(gou)履行。對陪(pei)(pei)付(fu)不(bu)足之處部份，我們將額(e)外向(xiang)(xiang)貴(gui)局與(yu)亞(ya)(ya)民車輛運(yun)送機(ji)(ji)(ji)構(gou)(gou)(gou)認(ren)為”。

20二十年11月12日(ri)，蘇北(bei)制罐(guan)企(qi)(qi)業(ye)(ye)(ye)、蘇北(bei)制罐(guan)2、企(qi)(qi)業(ye)(ye)(ye)向安全(quan)(quan)財(cai)(cai)(cai)險(xian)(xian)(xian)(xian)企(qi)(qi)業(ye)(ye)(ye)出示(shi)賠嘗收據及(ji)財(cai)(cai)(cai)產權利網店商標轉讓書，載明：已(yi)獲得(de)安全(quan)(quan)財(cai)(cai)(cai)險(xian)(xian)(xian)(xian)企(qi)(qi)業(ye)(ye)(ye)理賠的(de)1498431.33元(yuan)。批準(zhun)將以(yi)上所述(shu)賠嘗組(zu)成(cheng)部分商業(ye)(ye)(ye)險(xian)(xian)(xian)(xian)標志的(de)這個世界財(cai)(cai)(cai)產權利網店商標轉讓給安全(quan)(quan)財(cai)(cai)(cai)險(xian)(xian)(xian)(xian)企(qi)(qi)業(ye)(ye)(ye)，批準(zhun)安全(quan)(quan)財(cai)(cai)(cai)險(xian)(xian)(xian)(xian)企(qi)(qi)業(ye)(ye)(ye)以(yi)安全(quan)(quan)財(cai)(cai)(cai)險(xian)(xian)(xian)(xian)企(qi)(qi)業(ye)(ye)(ye)的(de)明確向損失(shi)方追償。后安全(quan)(quan)財(cai)(cai)(cai)險(xian)(xian)(xian)(xian)企(qi)(qi)業(ye)(ye)(ye)訴(su)至法(fa)庭，申請判令揚(yang)州(zhou)配(pei)置企(qi)(qi)業(ye)(ye)(ye)支付(fu)寶支付(fu)賠嘗款和公(gong)估費。

評委最終(zhong)

安徽省(sheng)(sheng)常州市(shi)京(jing)(jing)口(kou)區(qu)國(guo)民(min)(min)(min)法(fa)官于(yu)(yu)2011年(nian)(nian)2月16日(ri)作(zuo)出(chu)(2010)京(jing)(jing)商(shang)初字(zi)(zi)第(di)1822號民(min)(min)(min)事判(pan)(pan)(pan)(pan)決：一、江(jiang)(jiang)蘇(su)(su)(su)鎮(zhen)江(jiang)(jiang)安裝集團(tuan)有(you)限公(gong)司(si)(si)(si)于(yu)(yu)判(pan)(pan)(pan)(pan)決生效后10日(ri)內(nei)給付中(zhong)(zhong)國(guo)平安財產保(bao)(bao)險股(gu)份(fen)(fen)(fen)有(you)限公(gong)司(si)(si)(si)江(jiang)(jiang)蘇(su)(su)(su)分(fen)(fen)公(gong)司(si)(si)(si)1498431.32元;二(er)、駁回(hui)中(zhong)(zhong)國(guo)平安財產保(bao)(bao)險股(gu)份(fen)(fen)(fen)有(you)限公(gong)司(si)(si)(si)江(jiang)(jiang)蘇(su)(su)(su)分(fen)(fen)公(gong)司(si)(si)(si)關于(yu)(yu)給付47900元公(gong)估費的(de)訴(su)訟(song)請(qing)(qing)求。一審宣判(pan)(pan)(pan)(pan)后，江(jiang)(jiang)蘇(su)(su)(su)鎮(zhen)江(jiang)(jiang)安裝集團(tuan)有(you)限公(gong)司(si)(si)(si)向江(jiang)(jiang)蘇(su)(su)(su)省(sheng)(sheng)鎮(zhen)江(jiang)(jiang)市(shi)中(zhong)(zhong)級(ji)人民(min)(min)(min)法(fa)院(yuan)(yuan)(yuan)提起(qi)上訴(su)。江(jiang)(jiang)蘇(su)(su)(su)省(sheng)(sheng)鎮(zhen)江(jiang)(jiang)市(shi)中(zhong)(zhong)級(ji)人民(min)(min)(min)法(fa)院(yuan)(yuan)(yuan)于(yu)(yu)2011年(nian)(nian)4月12日(ri)作(zuo)出(chu)(2011)鎮(zhen)商(shang)終字(zi)(zi)第(di)0133號民(min)(min)(min)事判(pan)(pan)(pan)(pan)決：一、撤(che)銷鎮(zhen)江(jiang)(jiang)市(shi)京(jing)(jing)口(kou)區(qu)人民(min)(min)(min)法(fa)院(yuan)(yuan)(yuan)(2010)京(jing)(jing)商(shang)初字(zi)(zi)第(di)1822號民(min)(min)(min)事判(pan)(pan)(pan)(pan)決;二(er)、駁回(hui)中(zhong)(zhong)國(guo)平安財產保(bao)(bao)險股(gu)份(fen)(fen)(fen)有(you)限公(gong)司(si)(si)(si)江(jiang)(jiang)蘇(su)(su)(su)分(fen)(fen)公(gong)司(si)(si)(si)對江(jiang)(jiang)蘇(su)(su)(su)鎮(zhen)江(jiang)(jiang)安裝集團(tuan)有(you)限公(gong)司(si)(si)(si)的(de)訴(su)訟(song)請(qing)(qing)求。二(er)審宣判(pan)(pan)(pan)(pan)后，中(zhong)(zhong)國(guo)平安財產保(bao)(bao)險股(gu)份(fen)(fen)(fen)有(you)限公(gong)司(si)(si)(si)江(jiang)(jiang)蘇(su)(su)(su)分(fen)(fen)公(gong)司(si)(si)(si)向江(jiang)(jiang)蘇(su)(su)(su)省(sheng)(sheng)高級(ji)人民(min)(min)(min)法(fa)院(yuan)(yuan)(yuan)申請(qing)(qing)再(zai)審。江(jiang)(jiang)蘇(su)(su)(su)省(sheng)(sheng)高級(ji)人民(min)(min)(min)法(fa)院(yuan)(yuan)(yuan)于(yu)(yu)2014年(nian)(nian)5月30日(ri)作(zuo)出(chu)(2012)蘇(su)(su)(su)商(shang)再(zai)提字(zi)(zi)第(di)0035號民(min)(min)(min)事判(pan)(pan)(pan)(pan)決：一、撤(che)銷江(jiang)(jiang)蘇(su)(su)(su)省(sheng)(sheng)鎮(zhen)江(jiang)(jiang)市(shi)中(zhong)(zhong)級(ji)人民(min)(min)(min)法(fa)院(yuan)(yuan)(yuan)(2011)鎮(zhen)商(shang)終字(zi)(zi)第(di)0133號民(min)(min)(min)事判(pan)(pan)(pan)(pan)決;二(er)、維(wei)持鎮(zhen)江(jiang)(jiang)市(shi)京(jing)(jing)口(kou)區(qu)人民(min)(min)(min)法(fa)院(yuan)(yuan)(yuan)(2010)京(jing)(jing)商(shang)初字(zi)(zi)第(di)1822號民(min)(min)(min)事判(pan)(pan)(pan)(pan)決。

裁判組方式

法官中(zhong)(zhong)止評(ping)委以為(wei)(wei)，這個案子中(zhong)(zhong)的(de)視點原因是：1、保險(xian)(xian)代(dai)位(wei)求償(chang)權(quan)(quan)的(de)適用范(fan)圍是否(fou)限(xian)于侵權(quan)(quan)損害賠償(chang)請求權(quan)(quan);2、鎮江安裝公司(si)能(neng)否(fou)以華東(dong)制罐公司(si)、華東(dong)制罐第二公司(si)已購(gou)買相(xiang)關財(cai)產(chan)損失險(xian)(xian)為(wei)(wei)由，拒絕保險(xian)(xian)人對其行使(shi)保險(xian)(xian)代(dai)位(wei)求償(chang)權(quan)(quan)。

對於一、個(ge)法(fa)律糾紛(fen)的(de)(de)(de)(de)(de)(de)(de)點(dian)。《炎(yan)黃公(gong)(gong)民中華人(ren)(ren)民共和國(guo)政府安(an)(an)全法(fa)》(以(yi)下簡稱《保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)法(fa)》)第(di)六十(shi)條(tiao)第(di)一款(kuan)規(gui)定(ding)：“因(yin)(yin)第(di)三(san)(san)者(zhe)(zhe)對保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)(de)(de)(de)(de)(de)的(de)(de)(de)(de)(de)(de)(de)損(sun)(sun)(sun)(sun)害(hai)而(er)(er)造成保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)事(shi)(shi)(shi)故的(de)(de)(de)(de)(de)(de)(de)，保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)自向(xiang)被保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)賠(pei)償(chang)(chang)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)金之日(ri)起，在(zai)(zai)賠(pei)償(chang)(chang)金額范圍內(nei)代(dai)位行(xing)(xing)(xing)(xing)使被保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)對第(di)三(san)(san)者(zhe)(zhe)請(qing)求(qiu)(qiu)賠(pei)償(chang)(chang)的(de)(de)(de)(de)(de)(de)(de)權(quan)(quan)(quan)利(li)(li)。”該款(kuan)使用的(de)(de)(de)(de)(de)(de)(de)是“因(yin)(yin)第(di)三(san)(san)者(zhe)(zhe)對保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)(de)(de)(de)(de)(de)的(de)(de)(de)(de)(de)(de)(de)損(sun)(sun)(sun)(sun)害(hai)而(er)(er)造成保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)事(shi)(shi)(shi)故”的(de)(de)(de)(de)(de)(de)(de)表述，并未(wei)限制規(gui)定(ding)為(wei)“因(yin)(yin)第(di)三(san)(san)者(zhe)(zhe)對保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)(de)(de)(de)(de)(de)的(de)(de)(de)(de)(de)(de)(de)侵(qin)(qin)權(quan)(quan)(quan)損(sun)(sun)(sun)(sun)害(hai)而(er)(er)造成保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)事(shi)(shi)(shi)故”。將保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)代(dai)位求(qiu)(qiu)償(chang)(chang)權(quan)(quan)(quan)的(de)(de)(de)(de)(de)(de)(de)權(quan)(quan)(quan)利(li)(li)范圍理解(jie)為(wei)限于(yu)侵(qin)(qin)權(quan)(quan)(quan)損(sun)(sun)(sun)(sun)害(hai)賠(pei)償(chang)(chang)請(qing)求(qiu)(qiu)權(quan)(quan)(quan)，沒(mei)有(you)法(fa)律依據。從立(li)法(fa)目的(de)(de)(de)(de)(de)(de)(de)看(kan)，規(gui)定(ding)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)代(dai)位求(qiu)(qiu)償(chang)(chang)權(quan)(quan)(quan)制度，在(zai)(zai)于(yu)避免財(cai)產保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)被保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)因(yin)(yin)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)事(shi)(shi)(shi)故的(de)(de)(de)(de)(de)(de)(de)發生，分別從保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)及(ji)第(di)三(san)(san)者(zhe)(zhe)獲(huo)得賠(pei)償(chang)(chang)，取得超出實際(ji)損(sun)(sun)(sun)(sun)失的(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)當利(li)(li)益，并因(yin)(yin)此增(zeng)加(jia)道德(de)風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)。將《保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)法(fa)》第(di)六十(shi)條(tiao)第(di)一款(kuan)中的(de)(de)(de)(de)(de)(de)(de)“損(sun)(sun)(sun)(sun)害(hai)”理解(jie)為(wei)僅指“侵(qin)(qin)權(quan)(quan)(quan)損(sun)(sun)(sun)(sun)害(hai)”，不(bu)(bu)符合保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)代(dai)位求(qiu)(qiu)償(chang)(chang)權(quan)(quan)(quan)制度設(she)立(li)的(de)(de)(de)(de)(de)(de)(de)目的(de)(de)(de)(de)(de)(de)(de)。故保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)行(xing)(xing)(xing)(xing)使代(dai)位求(qiu)(qiu)償(chang)(chang)權(quan)(quan)(quan)，應(ying)以(yi)被保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)對第(di)三(san)(san)者(zhe)(zhe)享有(you)損(sun)(sun)(sun)(sun)害(hai)賠(pei)償(chang)(chang)請(qing)求(qiu)(qiu)權(quan)(quan)(quan)為(wei)前提(ti)，這里的(de)(de)(de)(de)(de)(de)(de)賠(pei)償(chang)(chang)請(qing)求(qiu)(qiu)權(quan)(quan)(quan)既可(ke)因(yin)(yin)第(di)三(san)(san)者(zhe)(zhe)對保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)(de)(de)(de)(de)(de)實施的(de)(de)(de)(de)(de)(de)(de)侵(qin)(qin)權(quan)(quan)(quan)行(xing)(xing)(xing)(xing)為(wei)而(er)(er)產生，亦可(ke)基(ji)于(yu)第(di)三(san)(san)者(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)違(wei)約行(xing)(xing)(xing)(xing)為(wei)等產生，不(bu)(bu)應(ying)僅限于(yu)侵(qin)(qin)權(quan)(quan)(quan)賠(pei)償(chang)(chang)請(qing)求(qiu)(qiu)權(quan)(quan)(quan)。本案平安(an)(an)財(cai)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)是基(ji)于(yu)鎮(zhen)(zhen)江(jiang)(jiang)安(an)(an)裝公(gong)(gong)司(si)(si)的(de)(de)(de)(de)(de)(de)(de)違(wei)約行(xing)(xing)(xing)(xing)為(wei)而(er)(er)非(fei)侵(qin)(qin)權(quan)(quan)(quan)行(xing)(xing)(xing)(xing)為(wei)行(xing)(xing)(xing)(xing)使代(dai)位求(qiu)(qiu)償(chang)(chang)權(quan)(quan)(quan)，鎮(zhen)(zhen)江(jiang)(jiang)安(an)(an)裝公(gong)(gong)司(si)(si)對保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)事(shi)(shi)(shi)故的(de)(de)(de)(de)(de)(de)(de)發生是否(fou)有(you)過錯，對案件(jian)的(de)(de)(de)(de)(de)(de)(de)處理并無(wu)影響。并且，《建(jian)設(she)工程(cheng)施工合同》約定(ding)“承包(bao)人(ren)(ren)不(bu)(bu)得將本工程(cheng)進(jin)行(xing)(xing)(xing)(xing)分包(bao)施工”。因(yin)(yin)此，鎮(zhen)(zhen)江(jiang)(jiang)安(an)(an)裝公(gong)(gong)司(si)(si)關(guan)于(yu)其對保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)事(shi)(shi)(shi)故的(de)(de)(de)(de)(de)(de)(de)發生沒(mei)有(you)過錯因(yin)(yin)而(er)(er)不(bu)(bu)應(ying)承擔責任的(de)(de)(de)(de)(de)(de)(de)答辯意見，不(bu)(bu)能成立(li)。平安(an)(an)財(cai)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)公(gong)(gong)司(si)(si)向(xiang)鎮(zhen)(zhen)江(jiang)(jiang)安(an)(an)裝公(gong)(gong)司(si)(si)主張權(quan)(quan)(quan)利(li)(li)，主體適格，并無(wu)不(bu)(bu)當。

介紹第五(wu)個法(fa)律糾紛對(dui)(dui)象。揚(yang)州安(an)(an)裝(zhuang)(zhuang)新公(gong)(gong)(gong)司(si)明確提(ti)出，在發(fa)包(bao)(bao)和人(ren)其簽立的(de)(de)(de)搭(da)建過程進行施工(gong)紙質合同(tong)(tong)統(tong)一保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)條(tiao)款第40條(tiao)中(zhong)約(yue)(yue)定，待(dai)安(an)(an)裝(zhuang)(zhuang)設備由發(fa)包(bao)(bao)人(ren)辦理保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，并支(zhi)付(fu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)用(yong)。從該(gai)約(yue)(yue)定可以(yi)看(kan)出，就工(gong)廠搬遷(qian)及(ji)設備的(de)(de)(de)拆解安(an)(an)裝(zhuang)(zhuang)事(shi)(shi)項，發(fa)包(bao)(bao)人(ren)與鎮(zhen)江安(an)(an)裝(zhuang)(zhuang)公(gong)(gong)(gong)司(si)共(gong)同(tong)(tong)商定辦理保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，雖然保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)用(yong)由發(fa)包(bao)(bao)人(ren)承擔，但該(gai)約(yue)(yue)定在雙方(fang)的(de)(de)(de)合同(tong)(tong)條(tiao)款中(zhong)體現，即該(gai)費(fei)用(yong)系(xi)雙方(fang)承擔，或者說，鎮(zhen)江安(an)(an)裝(zhuang)(zhuang)公(gong)(gong)(gong)司(si)在總承包(bao)(bao)費(fei)用(yong)中(zhong)已經(jing)就保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)用(yong)作出了(le)讓(rang)步。由發(fa)包(bao)(bao)人(ren)向平安(an)(an)財(cai)(cai)險(xian)(xian)(xian)(xian)公(gong)(gong)(gong)司(si)投保(bao)(bao)(bao)(bao)(bao)的(de)(de)(de)業務，承包(bao)(bao)人(ren)也應當(dang)是被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)。關于鎮(zhen)江安(an)(an)裝(zhuang)(zhuang)公(gong)(gong)(gong)司(si)的(de)(de)(de)上(shang)述抗辯(bian)意(yi)見，《保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)法(fa)》第十(shi)二條(tiao)第二款、第六款分別(bie)規(gui)定：“財(cai)(cai)產(chan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)在保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)事(shi)(shi)故發(fa)生時，對(dui)(dui)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)(de)(de)應當(dang)具有(you)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)利益”;“保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)利益是指投保(bao)(bao)(bao)(bao)(bao)人(ren)或者被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)對(dui)(dui)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)(de)(de)具有(you)的(de)(de)(de)法(fa)律上(shang)承認的(de)(de)(de)利益”。

上述，各種(zhong)