Insurance fraud is hardly new, but driving a top-end car into a river and completely submerging it is pushing the limits of both foolhardiness and safety. And being silly enough to virtually announce it to the world beforehand really then does not come as a surprise.
保险欺诈并不是什么新鲜事，但驾驶一辆顶级汽车进入河中并将其完全淹没正在挑战鲁莽和安全的极限。愚蠢地提前向全世界宣布这一点并不令人意外。
Meet Mr. Chen, the not-so-proud, former owner of a BMW which is now drying out in Yangzhou. And just having stopped shaking, from that we now know was a deliberate ditching, is a man surnamed Zhang, who was with Chen in the car at the time.
来认识一下陈先生吧，他以前是一辆宝马车的车主，但他并不那么骄傲，这辆车现在在扬州晒干了。而刚刚停止晃动，我们现在知道是故意弃坑的是一名张姓男子，当时他和陈某一起在车上。
Chen is now under investigation, after the recording of a telephone conversation emerged, conclusively proving it was all an insurance scam.
一段电话录音曝光后，陈某目前正在接受调查，最终证明这完全是一场保险诈骗。
Let’s back up a bit. In June last year, Chen bought his BMW X1 model from a second-hand car dealer, to later find the more it was driven, the more problems it had.
让我们回顾一下。去年6月，陈某从二手车经销商处购买了自己的宝马X1，后来发现开得越多，问题就越多。
The dealer refused to accept a return of the vehicle, or make any kind of refund on the loan that Chen had taken out to buy it.
经销商拒绝接受车辆归还，也拒绝对陈购买车辆的贷款进行任何形式的退款。
Wanting to sell the car but unable find a buyer, Chen was getting desperate. But a friend was soon to be involved in a similar incident, providing him with an idea.
想要卖掉这辆车却找不到买家，陈先生陷入了绝望。但一位朋友很快卷入了类似事件，给他提供了一个想法。
His flash of inspiration led to Chen contacting another fellow villager, surnamed Jin, to say (paraphrasing Chen), “Hey, can you hang around there for a bit so that you can witness an accident”.
灵感一闪，陈联系了另一位姓金的老乡，说（转述陈）：“嘿，你能在那儿呆一会儿，以便目睹一场事故吗”。
That’s the part of the conversation that Jin would subsequently hand to the insurance company after refusing Chen’s request and latterly hearing of the so-called accident.
这是金拒绝了陈的要求并在后来听到所谓的事故后，随后向保险公司提供的对话的一部分。
On 30 May, a reporter for the Yangtze Evening News learned the details of the case from the Yangzhou police.
5月30日，扬子晚报记者从扬州警方了解到案件详情。
Chen maintained that he was off to visit his father in Hangji that day, a town under the jurisdiction of Yangzhou Ecological Science and Technology New City in the southeast of the City’s Guangling District.
陈先生坚称，当天他要去扬州广陵区东南部扬州生态科技新城下辖的杭集镇看望父亲。
That’s when he supposedly stepped on the accelerator instead of the brake pedal, leading to the car careering down the river bank and into its deep waters.
据说当时他踩的是油门而不是刹车踏板，导致汽车冲下河岸，进入深水中。
But in this hot weather, Chen had left the windows on the car wide open so as to facilitate he and Zhang’s escape as the car quickly became submerged. While the move saved their lives and ensured the almost-certain success of his plan, Chen had made his second mistake; counting on Jin to remain silent.
但在如此炎热的天气下，陈某将车窗大开，以便于他和张某逃生，车很快就被淹没了。虽然这一举动挽救了他们的生命，并确保了他的计划几乎肯定会成功，但陈犯了第二个错误：指望Jin保持沉默。
Money wise, Chen had bought the BMW for ¥190,000. With a residual value in its sodden state of just ¥46,000, the insurance company had decided to settle the claim for just over ¥115,000 when Jin stepped in just in time.
钱方面，陈某花了19万元买了这辆宝马。由于其湿漉漉的状态残值仅为 46,000 日元，当 Jin 及时介入时，保险公司决定以略高于 115,000 日元的价格解决索赔。
At present, Chen has been criminally detained on suspicion of insurance fraud, while the case is further processed.
目前，陈某因涉嫌保险诈骗罪已被刑事拘留，案件正在进一步办理中。
