Quote:
Originally Posted by aceventura3
Work comp. fraud, and the rules in the state that are unfairly favorable to those who want to exploit the system. And let's not forget the lawyers. They take about 1/3 of a settlement, even in cases were they add no value. there are also rings of lawyers, clinics, doctors, vocational rehab programs, etc, that scam, not only insurance companies, but every honest person in the state pays a cost for it.
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After looking into it, it seems Seaver's explanation stands up to scrutiny better than your systemic fraud theory. Looking at wc rates across the country, they seem to change based on the cost of living. Unless you're going to suggest that California workers are simply more corrupt than workers from other states—which is an offensive and (more importantly) unsupportable position—I think you have to look at cost of living to explain the cost of wc.