自2002年来,美国车险费率开始上涨,到2003年已上涨了约9个百分点。这与前几年车险费率呈下降趋势的情况正好相反。目前,美国每辆车的平均保费约为40美元。车险费率上升的主要原因,是由于近年来美国医疗费用的不断上涨、车辆修理成本的增加以及车辆责任险赔付的上升。而在美国有几个州,保险欺诈则是推动车险费率上升的元凶。 Since 2002, U.S. car insurance rates have started to rise, rising by about 9 percentage points by 2003. This is contrary to the situation that auto insurance rates have been declining in previous years. At present, the average premium for each car in the United States is about 40 U.S. dollars. The main reason for the rising auto insurance rate is due to the rising medical costs in the United States in recent years, the increase in vehicle repair costs, and the rise in liability insurance coverage. In several states of the United States, insurance fraud is the culprit in driving up auto insurance rates.