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Insurance fraud poses a very significant problem, and governments and other organizations are making efforts to deter such activities. Insurance fraud is all acts committed with the intent to fraudulently obtain payment from an insurer. Types of insurance fraud are very diverse, and occur in all areas of insurance. Insurance fraud can be classified as either hard fraud or soft fraud. Soft fraud, which is far more common than hard fraud, is sometimes also referred to as opportunistic fraud. The types of insurance fraud that exist are as diverse as the types of insurance policies that are available. Some of the major areas in which insurance fraud occurs are in the life, health care, automobile, and property insurance industries. When automobile accident is occur, an insured person might claim more damage than was really done to his or her car. Soft fraud can also occur when, while obtaining a new insurance policy, an individual misreports previous or existing conditions in order to obtain a lower premium on their insurance policy. Examples of soft auto-insurance fraud can include filing more than one claim for a single injury, filing claims for injuries not related to an automobile accident, misreporting wage losses due to injuries. One of the main reasons that medical fraud is such a prevalent practice is that nearly all of the parties involved find it favorable in some way. Many physicians see it as necessary to provide quality care for their patients. Many patients, although disapproving of the ideal of fraud, are sometimes more willing to accept it when it affects their own medical care.