Why do you think insurance underwriters give more consideration for moral hazard during economic recession?

Moral risk is the same all over the world, here in Australia we face risks asociated with insureds financing cars they can not afford, or if they are on a visa they can leave the country and the car and loan behind, moral risk is hard to measure and is an important aspect to accepting a risk. 

 Because during time of economic recession moral hazards events are more likely to happen i.e there , I assume a high risk exposure , so the insurance underwriters are definitely be aware about.

   My very best wishes.