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There are 2 types of insurance fraud

When you think about insurance fraud, what comes to mind? While some people don't have any knowledge of this crime, others have been charged by authorities for some reason.

It is important to understand the two basic types of insurance fraud, as this will help you see how the law looks at people who are charged with this crime.

-- Soft fraud. This typically involves normal, honest people who get caught up in a lie to their insurance company. Most people do this in an attempt to maximize the value of a claim. While it may seem harmless, it is still fraud. This means that you can get into a lot of trouble if you are charged and convicted.

-- Hard fraud. This is when a person is much more deliberate with their approach, such as faking an accident or loss in an attempt to illegally collect a large sum of money from an insurance company. Some people act alone while others use organized crime to scam insurance companies.

Note: The largest hard fraud scams hope to steal millions of dollars from unsuspecting insurance companies.

These two types of insurance fraud are both serious, which is why you should do your best to avoid each one.

With authorities cracking down on insurance fraud, it's important to know that you could be charged with a crime that you did not commit. From the outside looking in it may appear that you have defrauded an insurance company, but you know this is not the case. In this situation, it's essential that you know what type of defense strategy to employ.

Source: FindLaw, "Insurance Fraud," accessed April 12, 2016

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