Which individual is an example of soft fraud?

Soft fraud, also known as opportunistic fraud, involves situations where an individual may exaggerate a legitimate claim to receive greater benefits or compensation than they are entitled to. In the case of Rafael, who exaggerated his injuries after slipping, he is demonstrating this type of fraud by inflating the severity of his injuries in order to obtain a higher insurance payout.

This scenario highlights how soft fraud often revolves around subtle misrepresentations rather than outright fabrications or criminal activity. Rafael's action of exaggerating is a common example in insurance contexts where individuals may feel compelled to augment the truth to improve their financial outcome from a claim.

The other scenarios involve situations that do not fit the definition of soft fraud. For example, Grace's situation regarding her neck injury is a potential legitimate claim unless she later exaggerates it. Jim's case of vandalism doesn’t imply any misrepresentation, as he is a victim of a crime rather than a participant in fraudulent activity. Bill's decision to switch healthcare providers is unrelated to fraud and does not involve any claim or misrepresentation.