Does Insurance Coverage Affect Behavioral Intention of Insurance Claim Padding?

• Main Authors: Mei-fang Shih, 施玫芳
• Other Authors: Lu-ming Tseng
• Format: Others
• Language: zh-TW
• Published: 2012
• Online Access: http://ndltd.ncl.edu.tw/handle/98678217984016513516

碩士 === 逢甲大學 === 風險管理與保險研究所 === 100 === Misrepresenting the nature of an accident to obtain insurance money for a loss not covered by the insurance policy is definitely unethical and will cause serious harm to insurers. The purpose of this paper is to investigate this issue, and examine the impacts of insurance coverage and fraud sizes on the consumer attitudes toward the false representation. Questionnaire surveys were collected from 210 full time civil servants at the Agricultural Research Institutes in Taiwan. Results indicated that insurance coverage affected ethical judgment and perceived fairness, and ethical judgment and perceived fairness are related to the false representation. In addition, perceived fairness is related to ethical judgment (the more people feel it is fair to cheat, the higher propensity they have to deem the cheating as ethical).