Which of the Following Is an Example of Moral Hazard

Multiple Choice

Which of the following is an example of moral hazard?

A) After Karabo buys fire insurance, he begins to smoke cigarettes in bed.
B) None of these answers demonstrate moral hazard.
C) Martin has been feeling poorly lately so he seeks health insurance.
D) Both of Susan's parents lost their teeth due to gum disease, so Susan buys dental insurance.
E) All of these answers demonstrate moral hazard.