Article49 The insurer may directly indemnify a third party for loss or damage caused by the insured of a liability insurance contract in accordance with the provisions of laws or the terms of an insurance contract.

• 第四十九条保险人对责任保险的被保险人给第三者造成的损害，可以依照法律的规定或者合同的约定，直接向该第三者赔偿保险金。