In an article about car owners defrauding insurers, the Wall Street Journal wrote "In the New York City area, the favored technique is simply to abandon vehicles in rough neighborhoods, especially certain areas lining the Bronx Expressway. Owners can then hop a subway and report cars stolen. 'You just have to leave a car overnight on these streets and its gone,' says Thomas J Cleary…." (10/9/90) The behavior discussed here is an example of:

moral hazard.
free riding.

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