The dark triad and willingness to commit insurance fraud

Research output: Contribution to journalArticleScientificpeer-review

Abstract

We evaluated how the dark triad (DT) personality traits (Psychopathy, Machiavellianism, Narcissism) influence willingness to claim for insurance in an online setting. In two mTurk studies (Ns 344 and 699) we created realistic online insurance claim tasks where participants could file claims for insured household items they had supposedly broken. We predicted “fibbing” (i.e., overclaiming the item values) in these tasks using the DT traits. However, within Study 2, we included monetary incentives and situational factors relating to claiming—that is, whether the items were broken in anger, while drunk, or by sheer accident. In both studies all DT traits predicted fibbing, but the results were weak for psychopathy in Study 1, while in Study 2 psychopathy was the strongest individual predictor of fibbing. Our results help understand why certain people are willing to commit insurance fraud, and provide an opening for further interdisciplinary research on insurance and personality science.
Original languageEnglish
Article number1469579
JournalCogent Psychology
Volume5
Number of pages11
ISSN2331-1908
DOIs
Publication statusPublished - 16 May 2018
MoE publication typeA1 Journal article-refereed

Fields of Science

  • 515 Psychology
  • DARK TRIAD
  • DECEPTION
  • MACHIAVELLIANISM
  • PSYCHOPATHY
  • NARCISSISM
  • insurance fraud
  • narcissistic personality-inventory
  • 5-FACTOR MODEL
  • BEHAVIOR
  • TRAITS

Cite this

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title = "The dark triad and willingness to commit insurance fraud",
abstract = "We evaluated how the dark triad (DT) personality traits (Psychopathy, Machiavellianism, Narcissism) influence willingness to claim for insurance in an online setting. In two mTurk studies (Ns 344 and 699) we created realistic online insurance claim tasks where participants could file claims for insured household items they had supposedly broken. We predicted “fibbing” (i.e., overclaiming the item values) in these tasks using the DT traits. However, within Study 2, we included monetary incentives and situational factors relating to claiming—that is, whether the items were broken in anger, while drunk, or by sheer accident. In both studies all DT traits predicted fibbing, but the results were weak for psychopathy in Study 1, while in Study 2 psychopathy was the strongest individual predictor of fibbing. Our results help understand why certain people are willing to commit insurance fraud, and provide an opening for further interdisciplinary research on insurance and personality science.",
keywords = "515 Psychology, DARK TRIAD, DECEPTION, MACHIAVELLIANISM, PSYCHOPATHY, NARCISSISM, insurance fraud, narcissistic personality-inventory, 5-FACTOR MODEL, BEHAVIOR, TRAITS",
author = "David Modic and Jussi Palom{\"a}ki and Marianna Drosinou and Michael Laakasuo",
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The dark triad and willingness to commit insurance fraud. / Modic, David; Palomäki, Jussi; Drosinou, Marianna; Laakasuo, Michael.

In: Cogent Psychology, Vol. 5, 1469579, 16.05.2018.

Research output: Contribution to journalArticleScientificpeer-review

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AU - Drosinou, Marianna

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AB - We evaluated how the dark triad (DT) personality traits (Psychopathy, Machiavellianism, Narcissism) influence willingness to claim for insurance in an online setting. In two mTurk studies (Ns 344 and 699) we created realistic online insurance claim tasks where participants could file claims for insured household items they had supposedly broken. We predicted “fibbing” (i.e., overclaiming the item values) in these tasks using the DT traits. However, within Study 2, we included monetary incentives and situational factors relating to claiming—that is, whether the items were broken in anger, while drunk, or by sheer accident. In both studies all DT traits predicted fibbing, but the results were weak for psychopathy in Study 1, while in Study 2 psychopathy was the strongest individual predictor of fibbing. Our results help understand why certain people are willing to commit insurance fraud, and provide an opening for further interdisciplinary research on insurance and personality science.

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