The Influence of Trust and Confidence of Claim Successfulness on Individual Attitude in Committing Motor Insurance Fraud

Abstract

The objective of this paper is to examine the influence of trust and confidence of claim successfulness on individual attitude in committing motor insurance fraud. The sample for this study consisted of teachers from selected schools in Selangor. Questionnaires were used to collect the data. The results showed that trust in the third party has a significant but negative relationship with attitude, while the confidence of claim successfulness has a significant positive relationship with attitude. Confidence of claim successfulness shows stronger impact in determining individual attitude to commit motor insurance fraud. Findings from this research are important for the insurance industry and Bank Negara Malaysia (BNM) to understand customers' attitude in committing motor insurance fraud and identify steps in reducing fraud cases. It is also beneficial for customers who indirectly become victims of increased premium payment due to insurance fraud.