David Bourget (Western Ontario)
David Chalmers (ANU, NYU)
Rafael De Clercq
Jack Alan Reynolds
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Journal of Business Ethics 61 (2):183 - 197 (2005)
The paper takes a look at insurance customer dishonesty as a special case of consumer ethics, understood as a way of situation handling, as a moral choice between right and wrong, such as between self-interest vs. common-interest, in other words, a “moral temptation”. After briefly raising the question if different schools, of moral philosophy would conceptualize such moral temptations differently, the paper presents ‘moral psychology’ as a frame of reference, with a focus on cognitive moral development, moral attitude and moral neutralization. Conceptualization questions can’t be answered finally without thinking at the same time of empirical research design and instrument design decisions, e.g. choosing between experiment vs. questionnaire studies, designing suitable moral temptation situations as an experiment vs. questionnaires with scenario vignettes. The paper discusses then experiences from a 2004 pilot survey, with a main focus on a few insurance dishonesty scenarios with follow-up questions. The paper has an open end, i.e. outlines desirable future theoretical, empirical and practical work with insurance customer dishonesty.
|Keywords||consumer ethics insurance customer ethics moral temptation moral psychology|
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Citations of this work BETA
William C. Lesch & Johannes Brinkmann (2011). Consumer Insurance Fraud/Abuse as Co-Creation and Co-Responsibility: A New Paradigm. [REVIEW] Journal of Business Ethics 103 (S1):17-32.
Aaron Doyle (2011). Introduction: Insurance and Business Ethics. [REVIEW] Journal of Business Ethics 103 (S1):1-5.
Johannes Brinkmann (2009). Using Ibsen in Business Ethics. Journal of Business Ethics 84 (1):11 - 24.
Cheng-Li Huang & Bao-Guang Chang (2010). The Effects of Managers' Moral Philosophy on Project Decision Under Agency Problem Conditions. Journal of Business Ethics 94 (4):595 - 611.
Anthony D. Miyazaki (2009). Perceived Ethicality of Insurance Claim Fraud: Do Higher Deductibles Lead to Lower Ethical Standards? [REVIEW] Journal of Business Ethics 87 (4):589 - 598.
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