SAN FRANCISCO -- In what's become a noticeable trend that's prompted stern admonitions to the industry by the California Department of Insurance, fraud referrals, arrests and convictions all declined in the fourth quarter of 1998, according to the California Workers' Compensation Institute.The CWCI, which tracks the data on a quarterly basis, noted that its survey participants referred 626 fraud cases to the DOI and their local district attorneys' offices during the last quarter of 1998. That referral c
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