IDEAS home Printed from https://ideas.repec.org/a/eme/ijsepp/v41y2014i11p1038-1054.html
   My bibliography  Save this article

Customers’ attitudes toward insurance frauds: an application of Adams’ equity theory

Author

Listed:
  • Lu-Ming Tseng
  • Chia-Lin Kuo

Abstract

Purpose - – Although research on insurance frauds has found that deductible amount influences customers’ attitudes toward insurance frauds, very little work has further investigated the roles of deductible-premium ratios and insurance experiences. Building on the foundations of Adams' equity theory, the authors examined the impact of the deductible-premium ratios on customers' attitudes toward insurance frauds. The authors also studied the relationship among the experience of applying claims, the reasons customers accept insurance frauds, and customers' intentions to carry out frauds. The paper aims to discuss these issues. Design/methodology/approach - – Survey was used, and the sample of this study comes from the full-time civil servants at the Agricultural Research Institutes in Taiwan. Findings - – The results showed that the deductible-premium ratios may relate to the responders’ perceptions of insurance frauds. In addition, the reasons customers accept frauds were also the influential predictors of the customer frauds. Originality/value - – Previous studies found that an unfair treatment by an insurer (e.g. an unfair deductible amount) may enhance customer insurance frauds. However, the “fairness and fraud” problems should involve the consideration of insurance premium because a high deductible amount is usually associated with lower premium. The other discussions of perceived fairness also accept that perceived fairness was often rooted in a social comparative situation. Based on the literature gap, this is the first time that Adams’ equity theory is applied in the customer insurance fraud research.

Suggested Citation

  • Lu-Ming Tseng & Chia-Lin Kuo, 2014. "Customers’ attitudes toward insurance frauds: an application of Adams’ equity theory," International Journal of Social Economics, Emerald Group Publishing Limited, vol. 41(11), pages 1038-1054, November.
  • Handle: RePEc:eme:ijsepp:v:41:y:2014:i:11:p:1038-1054
    DOI: 10.1108/IJSE-08-2012-0142
    as

    Download full text from publisher

    File URL: https://www.emerald.com/insight/content/doi/10.1108/IJSE-08-2012-0142/full/html?utm_source=repec&utm_medium=feed&utm_campaign=repec
    Download Restriction: Access to full text is restricted to subscribers

    File URL: https://www.emerald.com/insight/content/doi/10.1108/IJSE-08-2012-0142/full/pdf?utm_source=repec&utm_medium=feed&utm_campaign=repec
    Download Restriction: Access to full text is restricted to subscribers

    File URL: https://libkey.io/10.1108/IJSE-08-2012-0142?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Leclercq, Thomas & Hammedi, Wafa & Poncin, Ingrid, 2018. "The Boundaries of Gamification for Engaging Customers: Effects of Losing a Contest in Online Co-creation Communities," Journal of Interactive Marketing, Elsevier, vol. 44(C), pages 82-101.
    2. Bao Cheng & Xing Zhou & Gongxing Guo & Kezhen Yang, 2020. "Perceived Overqualification and Cyberloafing: A Moderated-Mediation Model Based on Equity Theory," Journal of Business Ethics, Springer, vol. 164(3), pages 565-577, July.
    3. Mohammed Saud Mira* & Dr. Yap Voon Choong & Dr. Chan Kok Thim, 2018. "The Role of Job Satisfaction as Mediator Between Human Resource Practices and Employees' Performance Among the Cargos' Employees at Saudi Ports Authority Based on the Motivation Theories," The Journal of Social Sciences Research, Academic Research Publishing Group, pages 91-105:4.
    4. Haithem Zourrig & Jeongsoo Park, 2019. "The effects of cultural tightness and perceived unfairness on Japanese consumers’ attitude towards insurance fraud: the mediating effect of rationalization," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 24(1), pages 21-30, June.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:eme:ijsepp:v:41:y:2014:i:11:p:1038-1054. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Emerald Support (email available below). General contact details of provider: .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.