They have to contend with something called moral hazard, which is the risk that people will be affected by the fact that they're insured and do something bad.

保险公司必须应对道德风险的问题，也就是说，有些人可能会因为购买了保险，而动了歪念来骗取保费。

youdao

They have to contend with something called moral hazard, which is the risk that people will be affected by the fact that they're insured and do something bad.

保险公司必须应对道德风险的问题，也就是说，有些人可能会因为购买了保险，而动了歪念来骗取保费。

youdao