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It’s been said that California mirrors the rest of the country when it comes to insurance fraud because most fraud schemes seem to take root there first before spreading out to the rest of the country. For instance, in 2005, the state had six of its major metropolitan areas rank in the top 10 areas nationwide with the highest vehicle theft rate (Modesto, Stockton, Visalia/Porterville, Sacramento, San Diego, and Fresno).

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