论文部分内容阅读
学生伤害事故可以分为学校侵权所致之学生伤害事故和学校无法律责任之学生伤害事故。对于学校侵权所致之学生伤害事故,因学校赔付能力有限而赔付不能或不足的现象极为普遍。本文主要探讨学校侵权所致之学生伤害事故的学校赔偿责任保险问题。认为借鉴国外的做法,构建我国的学校侵权责任保险制度,有效地分散风险、补偿损失、保护学生合法权益、维护学校教育教学秩序,是非常重要的一个课题。本文将从学校侵权责任保险的必要性和可行性、性质、承保范围、投保方式、保费承担、责任限额等视角,对该问题做初步探讨。
Student injury accidents can be divided into student injury accidents caused by school infringement and student accidental injuries caused by schools. It is extremely common for student injuries caused by school infringement to pay for an insufficiency or deficit because of the limited ability of schools to pay. This article mainly discusses the school liability insurance of student injury accidents caused by school infringement. It is a very important issue to think that drawing lessons from foreign practices, building our country’s school tort liability insurance system, effectively dispersing risks, compensating for losses, protecting the legitimate rights and interests of students and maintaining the order of school education and teaching. This article will make a preliminary discussion on this issue from the perspectives of the necessity and feasibility of tort liability insurance in schools, its nature, the scope of coverage, the mode of insurance, the commitment of premiums and the limits of liability.