Hard fraud refers to a type of fraud committed by criminal organizations with the intention to defraud an organization. Hard fraud involves criminal activities such as staging a car accident, injury, arson, loss, break-in, or someone writing false bills to medicare to illegally receive money from insurance companies. Hard fraud is generally committed with the intention to squeeze millions of dollars from insurance companies. Sometimes an average person can also be a perpetrator of hard fraud. Hard fraud is a classification of insurance fraud.