From January 1 2003, China began to carry out new management system of motor vehicle insurance clauses and premium rate.

自2003年1月1日起，我国实施了新的机动车保险条款费率管理制度。

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In recent years, the accident rate and the payment swindling of the motor vehicle insurance climb unceasingly.

近几年，车险事故率、骗赔案件不断攀升，许多保险公司试图通过拒保、大幅提升费率来化解风险。

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Given the complexity of this specific vehicle, Mr. Harris recommends purchasing an insurance policy with a rate of return between 5% and 6.5%.

FORBES: Nothing is for Free, Especially Not Life Insurance