A person who leaves his or her insured car running while entering a store provides an example of a ____ hazard.

The correct answer is that this scenario exemplifies a morale hazard. A morale hazard refers to a condition that arises from an individual's careless or reckless attitude toward the risk of loss. In this case, leaving a car running while entering a store demonstrates a lack of concern for potential theft or damage. The person’s behavior reflects a casual attitude, often stemming from a sense of complacency due to the belief that they are insured and may not face significant consequences for their actions.

In contrast, a physical hazard would involve a tangible condition that increases the chance of loss, such as a defect in the vehicle itself. Behavioral hazards relate to actions that may increase risk but highlight more intentional choices and habits rather than carelessness. Environmental hazards are related to the surroundings, factors outside of individual control that might increase risk. Understanding the distinction among these hazards is crucial in assessing risk and implementing appropriate insurance coverage.