Research On The Legal System Of School Liability Insurance For Sports Injuries In Colleges And Universities

In recent years,the continuous occurrence of campus injury accidents in colleges and universities,especially the occurrence of sports injury accidents in colleges and universities,not only seriously affects the normal teaching and management,but also has a series of negative effects on the society.At the same time,it also brings property losses and mental pain to students heavy economic and social burdens to colleges and universities.The intervention of university liability insurance can not only broaden the relief channels for injury accidents in colleges and universities,transfer the compensation risk of colleges and universities,improve the ability of colleges and universities to resist risks,but also effectively protect the damage compensation of injured students.Therefore,it is urgent to study and improve the liability insurance system of colleges and universities.Therefore,this paper will study the legal system of the liability insurance system of colleges and universities in my country from the following five chapters.Situation of the school liability insurance system in our country,especially the current development status of the school liability insurance system in our country,and draws my country’s colleges and universities is backward compared with the development of the school liability insurance system in primary and secondary schools..On this basis,the legal liability of colleges and universities in campus sports injury accidents is analyzed by taking the college campus sports injury accident as the breakthrough point.This part limits the scope of the research of the article,and also explains the relationship between colleges and students in detail later.It provides a theoretical premise for the and the legal responsibility of colleges and universities in campus injury accidents.And on this basis,it analyzes and summarizes the problems existing in the school’s liability insurance for campus injuries in my country’s colleges and universities.The article argues that the legal system of school liability insurance in colleges and universities in my country is imperfect;in colleges and universities is unclear,and the source of premiums cannot be guaranteed;insurance companies have limited coverage,and the problems of liability insurance clauses are prominent;the exclusion mechanism of school liability insurance is imperfect,especially The lack of students’ right to request direct payment,the lack to promote the liability insurance of colleges and universities,and the lack of professional insurance talents.The second chapter firstly demonstrates the necessity of perfecting the school liability insurance system based on the reality of frequent injury accidents in our country’s colleges and universities and the system requirements of the modernization of college governance in our country.Secondly,the feasibility of the school liability insurance system in my country’s colleges and universities is demonstrated from the perspective of the institutional basis of the school liability insurance,the legal basis Through the analysis of the necessity and feasibility of the school liability insurance system in my country’s colleges and universities,it is found that it is necessary and feasible to promote the compulsory liability insurance of college sports in my country’s colleges and universities.The third chapter analyzes the operation mode of school liability insurance in foreign universities,in order to provide foreign experience that can be used for reference and reference for improving the legal system of school liability insurance in colleges and universities in my country.The article mainly takes the United States,Canada and Japan the research objects,and makes a horizontal comparison of the school liability insurance systems in the three countries.The fourth chapter,based on the actual needs of the development of school liability insurance in my country’s colleges and universities,combined with the practical experience inside and outside the region,proposes a path to improve the school liability insurance for school damage in my country’s colleges and universities.It is necessary to improve the relevant laws and regulations of college liability insurance in our country,but also to clarify the nature of college liability insurance and determine the source of premiums,especially to establish a compulsory school liability insurance system for campus sports injury accidents.In terms of specific implementation,the scope of insurance coverage should be expanded,the limit system of school liability insurance should be improved,and the compensation mechanism of school liability insurance should be improved.