4. With the expectation of higher speed when there was no daytime limit, Montanaâs seat belt usage was well above the national average on its highways without a primary law, lane and road courtesy increased, speeds remained relatively stable and fatal accidents dropped to a modern low.
Moral injury. Moral injury refers to an injury to an individual's moral conscience resulting from an act of perceived moral transgression which produces profound emotional shame. The concept of moral injury emphasizes the psychological, cultural, and spiritual aspects of trauma.
One type of moral hazard is ex-ante. Ex-ante moral hazard describes the behavioral change of a person or company before an event occurs. For example, suppose Sherman, a professional snowboarder, does not have health insurance and goes about his career without doing difficult tricks that could leave him in the hospital.