In the law of insurance, the system of subrogation and abandonment has been set up according to the principle of indemnity, aiming at protecting insurance company's benefit from paying more than actual loss. 保险法中,法律基于损失补偿原则设立了代位与委付法律制度,重在保护保险人的利益,而不至于使被保险人获得超出其实际损失的赔偿。