两名小学生课间着急上厕所时发生身体碰撞，致一学生骨折，并花费不菲费用。事发后当事学生家长和学校均称对这次意外事件没责任，受伤学生家长无奈诉至法院。

Two pupils break worry toilet occurs when the body collision,One of the students of the fracture,And costly expense.The parties to the parents and the school that is not of the accident responsibility,The students parents but to the court.

　　法院受理此案后查明，被告学校其实在保险公司处投有校（园）方责任保险，遂追加保险公司作为案件第3人参加诉讼。12月2日，郑州市二七区法院就此案作出判决，判令由承担校（园）方责任保险的保险公司为此事埋单，赔偿受伤学生10万余元。

The court accepted the case after find out,The defendant school actually in the insurance company for in a school(garden)Party liability insurance,Hence additional insurance companies as a third party to the litigation cases.On December 2,,Erqi district of zhengzhou city court ruled the case,To judge by the bear(garden)Party liability insurance of the insurance company for this bill,Compensation for the students of more than 100000 yuan.

　　记者韩景玮通讯员李晓理

Reporter HanJingWei LiXiaoLi correspondent

跑步如厕，8岁小学生被撞骨折 Running toilet,Eight students into fracture

　　8岁的帅帅和7岁的强强都是郑州市二七区某小学的男生。2012年5月28日下午下课休息期间，孩子们飞快地跑着上厕所。帅帅前边跑，强强后边跑，只听“哎呀”一声尖叫，帅帅被撞倒在地，腿部伤势严重且疼痛难忍。校方立即拨打120，帅帅被紧急送往郑州市骨科医院救治。经医院诊断，帅帅的病情为左肱骨外踝骨折，遂进行手术治疗，花去不菲医疗费。经司法鉴定，帅帅左上肢损伤构成九级伤残。

Eight-year-old Derek and seven games are a primary school boy erqi district of zhengzhou city.In May 2012, and in the afternoon class is over rest period,The children ran to the toilet.Derek the front run,Running behind a willing,Listen to"oh"A scream,Derek was slammed to the ground,Leg seriously and is so painful.The school immediately call 120,Derek was rushed to hospital orthopedic zhengzhou city.The hospital diagnosis,Derek's condition for left humerus external ankle fracture,Hence for surgical treatment,Take medical treatment does not poor.The judicial authentication,Derek left upper limb injury constitute phenomenal disability.

无人担责，受伤方状告另一方和学校 Bear no responsibility,Injured party sued the other party and school

　　针对赔偿问题，强强的父母认为，两个小学生都是无民事行为能力人，而且在学校发生事故，应当由学校承担责任，家长不承担责任。

According to the compensation,Powerful parents think,Two students are no capacity for civil conduct,And in the school accident,The school shall bear the responsibility,Parents do not assume responsibility.

　　而学校则认为，此事是两个孩子之间的碰撞，老师并不在场，和学校没关系。由于学生家长和校方均辩称自己没责任，受伤学生帅帅的父亲遂将强强、强强父母及学校推上被告席，请求法院判决责任者赔偿帅帅医疗费、残疾赔偿金、精神损害赔偿金、后续治疗费等共计111543.81元。

And the school is considered,This matter is between two children of the collision,The teacher is not present,And school it doesn't matter.Because the students parents and the school that are no responsibility,The students Derek's father took a willing/Between parents and school on dock,Request the court verdict responsible medical compensation Derek/Disability compensation/The mental damage compensation/Subsequent treatment the total of 111543.81 yuan.

办有保险，法院判保险公司埋单 Do have insurance,The court sentenced to insurance company bill

　　法院受理此案后查明，2011年9月22日，被告郑州市二七区某小学在保险公司处投有校（园）方责任保险，保险期限12个月，注册学生324人，每人责任限额30万元，遂依法追加该保险公司作为案件第3人参加诉讼。

The court accepted the case after find out,September 22, 2011,The defendant in a primary school of zhengzhou city erqi district in the insurance company for a school(garden)Party liability insurance,Insurance time limit is 12 months,Registered students 324 people,Each liability limit is 300000 yuan,And in accordance with the insurance company as a case additional third party to the litigation.

　　法院认为，行为人因过错侵害他人民事权益，应当承担侵权责任。两个小学生在校园内发生碰撞致原告受伤，因原告、被告均系无民事行为能力人，被告郑州市二七区某小学没证据证明尽到教育、管理职责，故该小学应承担赔偿责任。因学校在第三人保险公司处投有校（园）方责任保险，保险公司应在校（园）方责任保险每人责任限额30万元内按照实际损失予以赔偿。

The court said that,Due to his fault person infringes on the civil rights,Shall be liable for tort liability.Two primary school students on campus to the plaintiff collision injury,Because the plaintiff/The accused are no capacity for civil conduct,The defendant a zhengzhou erqi district elementary school no evidence that do education/Management duties,So the school shall bear the liability for compensation.Because of the school in the third person in the insurance company for a school(garden)Party liability insurance,The insurance company shall be in school(garden)Each party's liability insurance liability limit within 300000 yuan according to the actual loss compensate.

　　法院最后判决被告保险公司在校（园）方责任保险限额内赔偿原告帅帅医疗费、残疾赔偿金、精神损害赔偿金、后续治疗费等共计103247.5元。

The court judgment in the insurance company(garden)Party liability insurance within the quota compensation the plaintiff Derek medical treatment/Disability compensation/The mental damage compensation/Subsequent treatment the total of 103247.5 yuan.

财力不足，投保不失为应对险情好办法 Financial shortage,Insurance is a good way to deal with risks

　　针对此案，郑州市二七区法院法官王京洲指出，校方责任险是由学校作为投保人，因校方过失导致学生伤亡的事故及财产损失，由保险公司来赔偿，学校也是受益方，是一种责任保险。在校学生防范能力不足，安全事故时有发生，学校为学生投保不失为应对险情的好办法。学生在校活动中或由学校统一组织安排的活动（学校活动包括体育课、实验课、课间操、课外活动、春游等）过程中，因学校非主观过失导致学生的人身伤害和财产损失，依法应由学校承担的直接经济赔偿责任，均可由保险公司负责赔偿。

In the case,Zhengzhou erqi district court judge WangJingZhou pointed out,The school liability insurance is the school as the applicant,Because of the negligence causes students to casualty accidents and property loss,The insurance company for compensation,The school is also benefited party,Is a kind of liability insurance.To prevent students ability is insufficient,Safety accidents occur frequently,Schools for students to deal with risks insured can yet be regarded as a good way.The student in the school activities or by the unified organization of the school of the scheduled events(School activities including physical education/experiment/Exercise between classes/Extracurricular activities/Spring outing, etc)process,Because the school not subjective fault lead to students' personal injuries and property damages,The school should be in accordance with the law for direct economic liability to pay compensation,Are controlled by the insurance company is responsible for the compensation.