内蒙古自治区丰镇市人民法院   民事判决书   （2018）内0981民初363号   原告：中国大地财产保险股份有限公司兴和支公司，现住乌兰察布市兴和县新城区兴和大道**楼，统一社会信用代码：×××。   法定代表人：贾某，经理。   委托诉讼代理人：李某，内蒙古可力律师事务所律师。   被告：赵某，内蒙古丰镇市人，，现住丰镇市                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        本院于2018年4月20日立案受理原告中国大地财产保险股份有限公司兴和支公司诉被告赵某保险人代位求偿权纠纷一案，依法由本院审判员马洪文担任审判长，并与审判员孟繁茹，人民陪审员白晨霞组成合议庭，于2018年10月10日公开开庭进行了缺席审理，原告中国大地财产保险股份有限公司兴和支公司的委托诉讼代理人李某到庭参加了诉讼，被告赵某经2018年6月10日在人民法院报公告送达传票传唤未到庭，本案现已审理终结。   原告中国大地财产保险股份有限公司兴和支公司诉称，2015年4月26日8时许，邓永红驾驶×××号奥迪牌小轿车(原告承保车辆)由东向西行驶至G6高速460KM+988M处变更车道时与被告赵某驾驶的×××/蒙JJ1**号半挂车发生碰撞，造成邓永红受伤，两车不同程度受损、路产受损的交通事故。该事故经呼和浩特高速交警大队认定，邓永红负本起事故的主要责任，赵某负本起事故次要责任。2015年11月30日，邓永红向兴和县人民法院提起诉讼，要求原告在车辆损失险内全额赔偿车辆损失、施救费等各项损失273638元。2016年3月25日，兴和县人民法院作出(2015)兴商初字第52号《民事判决书》，判决原告赔偿邓永红273638元，并明确原告代位赔偿后，有权向责任方行使追偿权。2016年4月15日，原告将上述款项汇入兴和县人民法院。原告认为，在本次事故中，被告赵某承担事故次要责任，其应承担邓永红损失的30%，且赵某的损失已向原告索赔。鉴于原告已全额赔偿邓永红273638元，故向被告赵某依法追偿为其承担的80291.4元。   被告赵某未作答辩。   经审理查明，2015年4月26日8时许，邓永红驾驶×××号奥迪牌小轿车(原告承保车辆)由东向西行驶至G6高速460KM+988M处变更车道时与被告赵某驾驶的×××/蒙JJ1**号半挂车发生碰撞，造成邓水红受伤，两车不同程度受损、路产受损的交通事故。该事故经呼和浩特高速交警大队认定，邓永红负本起事故的主要责任，赵某负本起事故次要责任。2015年11月30日，邓永红向兴和县人民法院提起诉讼，要求原告在车辆损失险内全额赔偿车辆损失、施救费等各项损失273638元。2016年3月25日，兴和县人民法院作出(2015)兴商初字第52号《民事判决书》，判决原告赔偿邓永红273638元，并明确原告代位赔偿后，有权向责任方行使追偿权。2016年4月15日，原告将上述款项汇入兴和县人民法院。2018年4月20日原告中国大地财产保险股份有限公司兴和支公司向本院提起诉讼要求向被告赵某追偿为其承担的80291.4元。   原告中国大地财产保险股份有限公司兴和支公司向本院提供的证据有：1、原告的营业执照2、兴和县人民法院作出(2015)兴商初字第52号《民事判决书》3、保险公司给兴和县人民法院的中国工商银行2016年4月15日赔款凭证，该证据证实原告中国大地财产保险股份有限公司兴和支公司已经向邓永红赔偿273638元并取得对被告赵某的追偿权。4、内蒙古自治区××区内公交高呼认字【2015】第014号道路交通事故认定书图片复印件，证实本案被告赵某负此次事故次要责任。5、丰镇市人民法院依法向丰镇市公安局黑土台派出所调取被告赵某户籍证明一份，证实被告赵某身份。   本院认为，根据《中华人民共和国保险法》第六十条的规定，保险人的代位求偿权是指保险人依法享有的，代位行使被保险人向造成保险标的损害负有赔偿责任的第三者请求赔偿的权利。保险人代位求偿权源于法律的直接规定，属于保险人的法定权利。因此原告中国大地财产保险股份有限公司兴和支公司在代位赔偿后，有权按责任比例（邓永红负主要责任70%，被告赵某负次要责任30%）向被告赵某行使追偿权，原告中国大地财产保险股份有限公司兴和支公司已经赔付被保险人邓永红273638元，取得向被告赵某的追偿权，且原告中国大地财产保险股份有限公司兴和支公司请求被告赵某赔付80291.4元，在法定赔付范围之内，本院予以支持。依照《中华人民共和国保险法》第十条、第十四条、第六十条、《中华人民共和国合同法》第八条、《中华人民共和国民事诉讼法》第一百四十四条之规定判决如下：   被告赵某在本判决发生法律效力之日起十日内向原告中国大地财产保险股份有限公司兴和支公司赔付80291.4元。   如果未按本判决指定的期间履行给付金钱义务，应当依照《中华人民共和国民事诉讼法》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。   案件受理费1807元，由被告赵某承担。   如不服本判决，可以在判决书送达之日起十五日内，向本院递交上诉状，并按对方当事人的人数提出副本，上诉于内蒙古自治区乌兰察布市中级人民法院。             审判长马洪文   审判员孟繁茹   人民陪审员白晨霞           二〇一八年十一月二十日     书记员郭 岩           附法律条文：   《中华人民共和国保险法》第十条保险合同是投保人与保险人约定保险权利义务关系的协议。   投保人是指与保险人订立保险合同，并按照合同约定负有支付保险费义务的人。   保险人是指与投保人订立保险合同，并按照合同约定承担赔偿或者给付保险金责任的保险公司。   《中华人民共和国保险法》第十四条保险合同成立后，投保人按照约定交付保险费，保险人按照约定的时间开始承担保险责任。   《中华人民共和国保险法》第六十条 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。   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。   保险人依照本条第一款规定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。   《中华人民共和国合同法》第八条依法成立的合同，对当事人具有法律约束力。当事人应当按照约定履行自己的义务，不得擅自变更或者解除合同。依法成立的合同，受法律保护。   《中华人民共和国民事诉讼法》第一百四十四条被告经传票传唤，无正当理由拒不到庭的，或者未经法庭许可中途退庭的可以缺席判决。