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Circumstance that increases the
of occurrence of a loss, or a larger than
, because of an insurance-policy applicant's indifferent
. For example, he or she might be careless in locking the doors and windows when leaving home. In
, morale hazard indicates that the
their actions or behaviors, as opposed to a deliberate
to cheat the
from his or her circumstances. Compare with
letter of indem...
ex gratia payme...
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