Question $15(6\mathrm{.}25$ points$)$

BBB Auto Club provides emergency road serice and dothe sences sub BBB Auto Club charges a higher membership fee to neen nembonturioumy policy, the auto club president noted, "New menbers oten sigm wy rourary long road trip, so we have to charge more as fisty$-$vernenbes bon tyeres utilization rates." A similar phenomenon obsened ininsumce mutionsus

moral hazard.

adverse selection.

risk aversion.

attitudinal hazard.