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去年,我孩子入学,我为他投保了人身平安险,保险金为一万元,保险期自2002年9月10日起两年。同年11月底,我小孩在放学回家的路上,与同学在互相打闹时被对方伞尖刺中左眼。幸亏送医院救治及时,没有造成失明的后果,但却用去医疗费4381元。我们夫妇为照顾他,因误工也损失了一些收入。事情发生后,我立即备齐了有关的证明和材料,要求保险公司给付保险金,保险公司将我们的损失核定为4800元,并与我们签订了支付保险金的协议。我们的损失虽然得到了弥补,但我始终觉得那是由于我为孩子投保所得。而作为造成我孩子受伤的同学父母,还应当向我的小孩子承担相应责任。请问我的这种想法符合法律的规定吗? 您来信中所提问题有一定的代表性。对这一问题也曾经有一些不同的观点。有的认为保险公司理赔后,可向侵权方追偿;有的认为无论
Last year, my child was enrolled in school. I insured him for personal safety. The insurance money was 10,000 yuan, and the insurance period was two years from September 10, 2002. In the same year the end of November the same time, my child came home from school on the way home, with students in the slapstick of each other stabbed in the left umbrella. Fortunately, timely delivery to the hospital for treatment did not result in blindness, but medical expenses 4381 yuan. Our couple to take care of him, lost some income because of lost time. After the incident happened, I immediately put together the relevant certificates and materials, requiring the insurance company to pay the insurance money. The insurance company approved our loss of 4800 yuan and signed an agreement with us to pay the insurance money. Although we have made up for the loss, but I always think that is because I insured the child’s income. As a parent who caused my child to be injured, my child should be held responsible. May I ask if this idea complies with the law? The questions raised in your letter are representative. There have also been some different opinions on this issue. Some think the insurance company claims, you can recover to the infringer; others think that no matter