7. Craig is a reckless driver. He is careless because his Porsche is insured and he knows that losses incurred will be covered. This is an example of a: a. morale hazard. b. collective hazard. c. moral hazard. d. causal hazard. e. physical hazard. 8. Slippery roads, which often increase the number of auto accidents is an example of: a. intangible hazards. b. moral hazards. c. physical hazards. d. morale hazards. c. causal hazards. 9. Identify the hazards that involve behavior that can be construed as negligence or that border on criminality. a. Causal hazard b. Moral hazard c. Physical hazard d. Morale hazard c. Collective hazard