Fraudulent claims account for a substantial portion of all claims received by insurers, and cost billions of dollars each year. Types of insurance scams are very diverse, and occur in all areas of insurance. Insurance crimes also vary in severity, from slightly exaggerating claims to intentionally causing accidents or perhaps damage. Life insurance and insurance fraud poses a very significant problem, and governments and other organizations are making efforts to deter such activities. Fraudulent activities can affect the lives of innocent people, both directly through accidental or purposeful injury or damage, and indirectly as these crimes cause insurance premiums to be higher.