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英汉对照法律资源--中华人民共和国保险法          【字体:
 

英汉对照法律资源--中华人民共和国保险法

作者:无忧教育    文章来源:51education.net    点击数:    更新时间:2008-5-18     


,受损保险标的的全部权利归于保险人;保险金额低于保险价值的,保险人按照保险金额与保险价值的比例取得受损保险标的的部分权利。

Article 43 After the occurrence of the insured event, if the insurer pays in full the sum insured and the sum insured is equal to the insured value, the insurer shall retain all rights pertaining to the subject matter of the insurance which is lost or damaged. If the sum insured is less than the insured value, the insurer shall obtain partial rights pertaining to the subject matter of the insurance which is lost or damaged on the pro rata basis of the sum insured to the insured value.

   第四十四条 因第三者对保险标的的损害而造成保险事故的,保险人自向被保险人赔偿保险金之日起,在赔偿金额范围内代位行使被保险人对第三者请求赔偿的权利。

Article 44 When the occurrence of the insured event results from the loss or damage to the Subject matter of the insurance caused by a third party, the insurer may be subrogated into the insured's right of indemnity against the third party up to the amount of indemnity from the date when the amount of indemnity is made.

   前款规定的保险事故发生后,被保险人已经从第三者取得损害赔偿的,保险人赔偿保险金时,可以相应扣减被保险人从第三者已取得的赔偿金额。

In the event of the occurrence of the insured event referred to in the preceding paragraph, the insurer may, at the time of making indemnity, deduct therefrom a corresponding amount which the insured has received as indemnity from the third party.

   保险人依照第一款行使代位请求赔偿的权利,不影响被保险人就未取得赔偿的部分向第三者请求赔偿的权利。

The right of indemnity by subrogation exercised by the insurer in accordance with the first paragraph shall in no way affect the insured's right of indemnity against the third party for the unindemnified amount.

   第四十五条 保险事故发生后,保险人未赔偿保险金之前,被保险人放弃对第三者的请求赔偿的权利的,保险人不承担赔偿保险金的责任。

Article 45 If the insured waives the right of indemnity against the third party after the occurrence of the insured event and before the insurer making the indemnity, the insurer shall bear no obligation for indemnity.

   保险人向被保险人赔偿保险金后,被保险人未经保险人同意放弃对第三者请求赔偿的权利的,该行为无效。

If the insured, without the insurer's consent, waives the right of indemnity against the third party after indemnity is made by the insurer, the waiver of the insured shall be regarded as invalid.

   由于被保险人的过错致使保险人不能行使代位请求赔偿的权利的,保险人可以相应扣减保险赔偿金。

The insurer may deduct a corresponding sum from the amount of indemnity if it is not able to exercise the right of indemnity by subrogation due to the fault of the insured.

   第四十六条 除被保险人的家庭成员或者其组成人员故意造成本法第四十四条第一款规定的保险事故以外,保险人不得对被保险人的家庭成员或者其组成人员行使代位请求赔偿的权利。

Article 46 The insurer has no right of indemnity by subrogation against any family member or staff member of the insured unless the occurrence of the insured event referred to in the first paragraph of Article 44 above has resulted from the willful misconduct of such a third party.

   第四十七条 在保险人向第三者行使代位请求赔偿权利时,被保险人应当向保险人提供必要的文件和其所知道的有关情况。

Article 47 When the insurer exercises the right of indemnity by subrogation against a third party, the insured shall provide the insurer with all relevant and pertinent documents and information known to him/her.

   第四十八条 保险人、被保险人为查明和确定保险事故的性质、原因和保险标的的损失程度所支付的必要的、合理的费用,由保险人承担。

Article 48 The insurer shall bear the necessary and reasonable expenses incurred by the insurer and the insured from investigating and ascertaining the nature of and the cause for the occurrence of the insured event, and the extent of loss or damage to the Subject matter of the insurance.

   第四十九条 保险人对责任保险的被保险人给第三者造成的损害,可以依照法律的规定或者合同的约定,直接向该第三者赔偿保险金。

Article 49 The insurer may directly indemnify a third party for loss or damage caused by the insured of a liability insurance contract in accordance with the provisions of laws or the terms of an insurance contract.

   责任保险是指以被保险人对第三者依法应负的赔偿责任为保险标的的保险。

Liability insurance refers to an insurance the subject matter of the insurance of which is the insured's liability to indemnify a third party pursuant to laws.

   第五十条 责任保险的被保险人因给第三者造成损害的保险事故而被提起仲裁或者诉讼的,除合同另有约定外,由被保险人支付的仲裁或者诉讼费用以及其他必要的、合理的费用,由保险人承担。

Article 50 If the insured of a liability insurance contract is brought to an arbitration or legal proceeding due to the occurrence of an insured event which caused loss or damage to a third party, unless specified otherwise in the insurance contract, the insurer shall bear the expenses of such arbitration or legal proceeding and other necessary and reasonable expenses paid by the insured.

第三节 人身保险合同

Section 3 Contract of Insurance of Persons

   第五十一条 人身保险合同是以人的寿命和身体为保险标的的保险合同。

Article 51 A contract of insurance of persons is an insurance contract insuring a person's life and body.

   本节中的人身保险合同,除特别指明的外,简称合同。

The contract of insurance of persons mentioned in this Section is briefly referred to as "the contract," unless specified otherwise.

   第五十二条 投保人对下列人员具有保险利益:

Article 52 The applicant has insurable interests over the following persons:

   (一)本人;

The applicant himself/herself;

   (二)配偶、子女、父母;

The applicant's spouse, children and parents; or

   (三)前项以外与投保人有抚养、赡养或者扶养关系的家庭其他成员、近亲属。

Other family members or close relatives, apart from the aforementioned, who have relations of fostering, supporting and maintaining with the applicant.

  

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