The reality that the insured may escape, bankruptcy, unable to exercise their rights of compensation is not good and reasonable to the victims if there was no direct request for the third party. 因为责任保险中被保险人存在逃逸、破产、无力赔偿又怠于行使权利的现实,如果不赋予第三人直接请求权,对受害第三人极为不利,显得十分不合理。