The actor-observer effect occurs primarily because people have:

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The actor-observer effect is a phenomenon in which people tend to attribute their own behavior more to situational factors and others' behavior more to dispositional factors. This occurs primarily because people have more information about the situational factors influencing their own behavior, such as their own thoughts and feelings. As a result, they are more likely to consider these factors when evaluating their own behavior. However, when evaluating others' behavior, people have less access to situational factors and tend to rely more on dispositional factors, such as personality traits, which may lead to a fundamental attribution error.

The Actor-Observer Effect Occurs Primarily Because People Have