责任保险中第三人的直接请求权，是指责任保险的第三人依照法律规定或合同约定请求保险人直接给付保险赔偿金的权利。
The direct claim right of third party in liability insurance means that the third party may claim the insurance compensation form the insurer directly according to the law or the insurance contract.
不足额保险下，当保险标的由于第三者责任造成保险损失后，保险人在履行赔偿义务的前提下，取得对第三者的代位追偿权。
Under wantage insurance, when the loss is caused by a third party, the insurer gains the indemnity-recovering right of subrogation therefrom, provided that the insurer executed its duty of indemnity.
保险人只有在一定的条件下才能行使代位求偿权：第三人对保险标的的损害负有赔偿责任，而且保险人已为保险金给付。
The insurer can exercise subrogation right only under the condition that the third party is responsible for the loss and the insurer has paid for the loss.
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