摘 要：随着人们风险意识的逐渐提高，买保险成为更多人的选择。我国配套的法律制度跟不上保险业的快速发展，因此产生了许多的问题，其中最令广大“保户”头疼的是“投保容易索赔难”问题。所以许多人开始另想办法开始转移索赔权，以便更快的获得补偿，这也催生许多专门以此为业的索赔公司。我国《保险法司法解释（三）》第十三条规定了保险事故发生后受益人可以转让保险金请求权。这就以法律明文规定人身险中的保险金请求权可以转让于第三人。但是，对于财产保险中的保险金请求权却没有法律条文规定是否可以转让给第三人，理论界对此的看法也是莫衷一是。这一现象明显不利于法律的稳定也是对法律权威的损害，因此本文将就财产保险中的保险索赔权转让的原因、索赔权转让的性质和索赔权转让的理论基础和现实需要进行讨论并最终提出完善意见。
关键词：财产保险；索赔权；债权转让
On the Transfer of Property Insurance Claims
Abstract：With people's risk consciousness gradually improved, more and more people choose to buy insurance. As the rapid development of China's insurance industry, supporting legal system not also generated a lot of problems, most of which the majority of the "household" is a headache "insurance easy claims". Therefore, many people begin to think of other ways to start the transfer of the right to claim compensation for faster access, which also gave birth to many specialized industry. China's insurance company claims "judicial interpretation (three) > thirteenth provisions after the accident insurance beneficiary can transfer insurance claim, with legal claim of personal insurance in the insurance can be transferred to third. However, for the right to request the property insurance insurance is no legal provisions can be transferred to third people, and theorists. This opinion is also unable to agree on which is right goes against the stability of law and authority, Therefore, the author will in property insurance insurance claims transfer reasons, right of claim and claim the right to transfer the nature of the transfer of the theoretical basis and practical needs to be discussed and finally puts forwards some suggestions in this discussion is the transfer of insurance after the accident
Key words: property insurance; right of claim; transfer of creditor's right
目 录
摘要1
AbstractⅡ
目录Ⅲ
一、由案例引出财产保险索赔权转让争议1
（一）据以研究的案例1
（二）关于财产保险索赔权转让学界观点1
二、关于财产保险索赔权转让的理论分析----2
（一）在实践中财产保险索赔权转让的原因2
（二）财产保险索赔权能否转让理论及实践思考4
三、财产保险索赔权转让的特点及原则6
（一）财产保险索赔权转让特点6
（二）财产保险索赔权转让的原则6
四、我国财产保险索赔权转让的问题及完善7
（一）财产保险索赔权转的问题8
（二）财产保险索赔权转让的完善8
参考文献10
一 由案例引出财产保险索赔权争议
（一）据以研究的案例
案情简介：
吴朝阳为车牌号为浙g号车在安邦财险浙江分公司（以下简称保险公司）投保了车辆损失险、车辆损失险不计免赔率特约条款等。保险期间，该车与其他车辆发生碰撞，吴朝阳通知保险公司，保险公司未定损。吴朝阳在自己先垫付后，将本次保险索赔权转让给原告陈丽梅，并通过邮件快递方式向保险公司进行了通知。被告保险公司辩称吴朝阳放弃索赔权利，因此债权转让不成立拒绝原告的索赔。 论财产保险索赔权的转:http://www.chuibin.com/faxue/lunwen_206268.html