保险人

Article 252 Where the loss of or damage to the su, bject matter insured within the insurance converage is caused by a third person, the right of the insured to demand compensation from the third person shall be subrogated to the insurer from the time the indemnity is paid.

第二百五十二条保险标的发生保险责任范围内的损失是由第三人造成的，被保险人向第三人要求赔偿的权利，自保险人支付赔偿之日起，相应转移给保险人。

E A liability insurer, who by payment has discharged in full or in part the liability of a tortfeasor and has thereby discharged in full its obligation as insurer, is subrogated to the tortfeasor,s right of contribution to the extent of the amount it has paid in excess of the tortfeasor,s pro rata share of the common liability.

责任保险人，通过支付全部或者部分免除了某一侵权人责任，同时也免除了其作为保险人的全部责任的，可以在超过该侵权人在共同责任中的按份份额的范围内代位行使分摊请求权。

Subject to the foregoing provisions, where the insurer pays for apartial loss, he acquires no title to the subject-matter insured, or suchpart of it as may remain, but he is thereupon subrogated to all rights andfrom the time of the casualty causing the loss, in so far as the assured hasbeen indemnified, according to this Act, by such payment for the loss.

2受前述各条款制约，在保险人赔偿部分损失之场合，他并不取得该项保险标的或其存留部分的所有权，但是，根据本法，通过赔付此种损失，自造成损失的事故发生之时起，保险人代位取得被保险人对保险标的的一切权利和救济，但以被保险人已获赔偿额为限。

This insurance is extended to indemnify the Assured against such proportion of liability under the contract of affreightment "Both to Blame Collision" Clause as is in respect of a loss recoverable hereunder In the event of any claim by shipowners under the said Clause the Assured agree to notify the Underwriters who shall have the right, at their own cost and expense, to defend the Assured against such claim

本保险扩展赔偿被保险人根据货运合同中&互有责任碰撞&条款的比例责任有关可获赔偿的损失。在船东根据该条款提出任何索赔的情况下，被保险人同意通知保险人，保险人有权自负费用，为被保险人对此种索赔抗辩。

This insurance is extended to indemnify the Assured against such proportion of liability under the contract of affreightment "Both to Blame Collision" Clause as is in respect of a loss recoverable hereunder In the event of any claim by shipowners under the said Clause the Assured agree to notify the Underwriters who shall have the right, at their own cost and expense, to defend the Assured against such claim

本保险扩展赔偿被保险人根据水上货运合同中&互有责任碰撞&条款，如下文所示可补偿的损失的比例责任部分。倘若船东根据该条款提出任何索赔，被保险人同意通知保险人，保险人有权自负费用对此种索赔为被保险人进行抗辩。

As to the application of principle of proximate cause, it should be decided by the principle of common-sense to rationally confirm the liability for compensation and actualize the balance of interest between policy-holder and insurer.

对于近因原则的适用，应当按照常识性原则进行判断，以合理的确定保险人的赔偿责任，并实现投保人和保险人之间的利益平衡。

This was an appeal by the cargo-insurers and a cross-appeal by the ship managers from the decision of the Court of Appeal of Hong Kong in which it was held that the ship managers could join the shipowners as additional plaintiffs in the claims against the cargo insurers for general average contributions but not in the claims against the cargo-owners.

货物保险人提出了上诉请求，船舶经营人也提出了一个交叉上诉请求。根据香港上诉法院的一项决定，船舶经营人可以与船舶所有人一起作为共同原告向货物保险人提出共同海损请求，但是不能在针对货物所有人的共同海损诉讼中作为共同原告。

2 To ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.

确保对承运人、保险人或其他第三方追偿的所有权利被适当保留和行使。保险人将在可索赔的任何损失之外，被偿被保险人因履行这些义务而适当合理地发生的任何费用。

2 To ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.

确保对承运人、保险人或其他第三方追偿的所有权利被适当保留和行使。保险人将在可索赔的任何损失之外，补偿被保险人因履行这些义务而适当合理地发生的任何费用。

The act of insurance agency is the style of using the right of insurance agency. The legal effect should be attribute to insurance directly in the authorized insurance agency and the unauthorized insurance agency as well as insurance agency by estoppels.

保险代理行为是保险代理权行使的具体形式，有权保险代理、被追认的无权保险代理、保险表见代理行为的法律效力应直接归属于保险人，由保险人承担民事责任。

I didn't watch TV last night, because it .

昨晚我没有看电视，因为电视机坏了。

Since this year, in a lot of villages of Beijing, TV of elevator liquid crystal was removed.

今年以来，在北京的很多小区里，电梯液晶电视被撤了下来。