What does the other driver’s action of reversing into Mike's car exemplify?

The action of the other driver reversing into Mike's car exemplifies hard fraud because it indicates intent to deceive, often for the purpose of financial gain through insurance claims. In a scenario where a driver purposefully causes a collision by reversing into another vehicle, they may be attempting to create a situation to falsely claim damages or injuries. This behavior is characterized by an intentional act rather than an accident or error in judgment, highlighting the fraudulent aspect of the action.

While negligent driving refers to careless actions that can lead to an accident, in this case, the other driver’s behavior appears to be intentional rather than merely negligent. Additionally, collusion would involve an agreement between parties to deceive an insurer, which may not be evident if there is only one party involved in the act of reversing into Mike's car. A minor collision generally describes an accident that does not result in significant damage or injury, so it does not capture the intentional nature of the driver's actions in this scenario.