There are two types of personal injury fraud: hard and soft insurance fraud. Hard insurance fraud is what people often think of when then hear about insurance fraud. It is usually premeditated, and in some cases, the accident or injury is staged. An example of this will be two people using two automobiles to stage a crash, but no one is actually hurt. This type of insurance fraud will land a person in jail if they are caught. However, the most common type of personal injury fraud is the soft insurance type. This is referred to in the insurance industry as opportunistic insurance fraud.