Morale Hazards
A morale hazard is essentially someone acting unintentionally more dangerously because they have insurance. Sometimes they will do the exact thing that the insurance covers just out of negligence.
A key for morale hazard with an “e” is the negligence due to subconscious and is unintentional.
Examples Of Morale Hazards
Being indifferent of something due to it being outdated or old.
-Feeling differently towards a car because it is insured and it is starting to not work as well, getting really old and you know insurance will cover it if it gets stolen.
The feeling changing your mentality knowing it is insured and that you do not like an item as much anymore may cause you to act out of negligence.
Warning do not do morale hazards or anything mentioned here. Filing insurance claims most likely will result in higher rates eventually!