To have this kind of protection, you'll pay the insurance company over time.

想要上保险，你必需定期给保险公司交保费。

Basically, they passed a law that could limit the amount of damages people make in these kinds of lawsuits over insurance and injuries and stuff.

基本上，他们通过了一项法律， 可以限制人们在此类保险、伤害等诉讼中所造成的损害赔偿金额。