责任保险与竞技体育对接时的走向研究

Research on Linkage between Liability Insurance and Competitive Sports

将责任保险机制引入竞技体育领域,从保险内容来讲与商业领域具有相同性,但从被保险主体与第三人的个体特征及所涉及的制度环境而论,却与一般的商业投保存在着某些分歧,这些差异主要体现在:被保险人的隶属身份不同;第三人的自我保护意识不同;保险人在对赔付条件设置欠客观的前提下容易出现定性不准和理赔不到位的情形。

The introduction of liability insurance mechanism into the sports field has the same character with the commercial field from the point of insurance content.However,concerning about institutional environment and individual character between the insured principle and third party,there are some differences with the ordinary commercial insurance.These differences are showed as following：different subordinated state of the insured,different self-preservation of third-person,the issue concerning about claim occurs under the precondition of unreasonable indemnity clause of insurer.