Which person is committing hard insurance fraud? a. A man shopping in a grocery store intentionally slips and claims a back injury. b. A woman slips on a wet floor in a grocery store and claims to be temporarily disabled when, in fact, she merely twisted her ankle. c. A tall display of canned goods falls on an unsuspecting consumer, and she suffers a concussion. d. A display of children's toys falls on a man who has a headache for two days but claims chronic shoulder pain. By definition, which of the following might commit internal insurance fraud? a. Keith, who just took out a homeowners policy b. Julia, the beneficiary of a life insurance policy c. Damien, who is covered by workers' compensation d. Lyon, an insurance company claims adjuster Which of the following is an example of external insurance fraud? a. diverting premiums b. adding unwanted coverage c. mishandling reserve funds d. exaggerating claims