And if the insurance on the luxury car has expired, the likelihood of foul play drops further, since this increases the likelihood a person will drive a cheaper but properly insured car.

而且，如果豪华车的保险已经过期，暗藏猫腻的可能性就更低，因为某人虽驾驶一辆廉价车，但他妥善为汽车上保险的可能性更高。

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According to co-insurance clauses, the insured person must pay usually 20 percent of the total expenses covered.

根据共同保险条款，保险人通常必须付全部费用的百分之二十。

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When the insurance policy matures, the insured person will receive the capital sum agreed.

保险单到期时，投保人会得到一笔总括性付款。

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Takia Walker, 29, had co-signed the vehicle's lease, acquired the car under false pretense and allowed another person who wasn't insured to drive it, the official said.

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The second failure in insurance markets is moral hazard: a person who is insured has less incentive to act carefully than an uninsured person.

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