[Pirate Ragnar]

Two sides to the story. I worked Russian, Mafia and other ethnic groups who were well funded and coordinated who committed massive insurance fraud and funded other nefarious activities with their windfall. They had doctors, chiropractors, lawyers, cappers all working together to do these crimes. In one case alone, there were over 100 chiropractors, led by one individual, who padded their bills and even billed for patients not seen and who weren’t even in accidents. You know what that would do to your insurance rates?

[Richard Kimball]

One of the chiropractors in the city where I used to work was the poster boy for the reason doctors can't do "insurance only" treatments anymore. Used to do "Insurance only" and charge $200 to the insurance company for each treatment, schedule people for two treatments a week. He had offices in every strip mall in the city.

Just what I've seen in worker's comp fraud from individuals convinces me at least half of the insurance premium is to cover fraudulent claims.