For example,after purchasing automobile insurance, some may tend to be less careful about locking the automobile or choose to drive more,thereby increasing the risk of theft or an accident.After purchasing fire insurance,some may tend to be less careful about preventing fires. In these case,insured parties behave in a more risky manner, resulting in more negative consequences that the insurer must pay for. For example, after purchasing automobile insurance, some may tend to be less careful about locking the automobile or choose to drive more, thereby increasing the risk of theft or an accident. After purchasing fire insurance, some may tend to be less careful about preventing fires. ◼ In these case, insured parties behave in a more risky manner, resulting in more negative consequences that the insurer must pay for