摘要：保险代位追偿原则，是指保险人享有的、代位行使被保险人对造成保险标的损害负有赔偿责任的第三者的追偿权利。保险代位追偿原则是保险法中损失补偿原则的派生原则，是代位权制度与保险理赔制度相结合的产物，在各国保险法中都占有十分重要的地位。我国2009年新修订的《保险法》虽然对这一原则有所完善，但由于相关规定过于宽泛、笼统，在实践中产生争议的问题还很多。本文围绕保险代位追偿原则的法律依据、法理基础、立法现状、法律限制以及分析思考等问题展开研究和探讨。

关键词： 代位追偿原则   法理基础   立法现状   法律限制

Abstract：Insurance subrogation principle is to recover the rights enjoyed by the insure, third party subrogation to exercise the insured liable to the subject matter insured losses result. Insurance subrogation principle is derived the principle of insurance law, the principle of compensation is the product of a combination of the right of subrogation and insurance claims system plays a very important role in the national insurance law. In 2009 the newly revised "Insurance Law", although this principle has been perfect, the relevant provisions are too broad and general, in practice the controversial issues. This paper focuses on insurance subrogation principles of legal basis, legislative status, legal restrictions and analytical thinking to study and explore.

Keywords：Subrogation Principles; Legal Basis; Legislative Situation; Legal Restrictions