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.
In short, Moral hazard is a hazard dealing with the difference between right and wrong while a moral hazards is a hazard dealing with people's attitudes.  At length, in the wâ¦orld of insurance, conditions that increase the frequency and severity of a loss are considered hazards.