Thanes of hazard: Moral failings of imaging self-referral practitioners

摘要

In the mid-20th century, the term 'moral hazard' was coined by insurance companies to describe the strange and unexpected behavior changes of individuals after obtaining insurance coverage. Compared to drivers without insurance, drivers with insurance tended to have higher rates of traffic violations of all types, including more speeding tickets and at-fault accidents. Why would this happen? How did insurance coverage lead to more risky behavior?