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Explain how moral hazard could arise in the following situations. a. The federal

ID: 1119236 • Letter: E

Question

Explain how moral hazard could arise in the following situations.

a.

The federal government offers flood insurance for homes.

b.

An NBA player signs a long-term guaranteed contract.

c.

The government lengthens the time to collect unemployment benefits from 26 to 99 weeks.

d.

In an area where the roads are frequently snow-covered and icy, a person trades in her rear-wheel drive sports car for a four-wheel drive SUV.

a.

The federal government offers flood insurance for homes.

b.

An NBA player signs a long-term guaranteed contract.

c.

The government lengthens the time to collect unemployment benefits from 26 to 99 weeks.

d.

In an area where the roads are frequently snow-covered and icy, a person trades in her rear-wheel drive sports car for a four-wheel drive SUV.

Explanation / Answer

ans is B

Moral hazard means one party is taking risk at the expense of other.Thus an NBA player signs a long term guaranteed contract can misuse the guarantee and can cause moral hazard problem.

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