TACTICS SPECIFIC TO MY CLAIM

MY AGENT, JEFF HUDSON REFUSED TO ASSIST ME AT ALL AFTER THE FIRST DAY. HE SAID

"IT'S IN THE ADJUSTERS HANDS NOW"

MY ADJUSTER, AIMEE STIDHAM TOLD ME REPEATEDLY THEY WOULD PAY THE CLAIM SOON.

MY ADJUSTER TOLD ME TO SAVE ALL RECEIPTS AND WOULD SORT OUT LATER, she never did.

CONTACTED PLANNING AND ZONING SEARCHING FOR REASONS TO DENY CLAIM.

USED THEIR DEADLY EXAMINATION UNDER OATH.

FARM BUREAUS AREA ADJUSTER, GENE PARTON SENT A FRAUDULENT AND ALTERED DOCUMENT TO MISSOURI DEPT. OF INSURANCE.

ACCUSED US OF INFLATING OUR LOSSES  ON  INVENTORY SHEETS.

ACCUSED US OF DISPOSING OF UNDAMAGED ITEMS.

ACCUSED US OF FRAUD.

ACCUSED US OF NOT PROVIDING REQUESTED DOCUMENTS.

ACCUSED US OF BUILDING  OUR HOUSE ILLEGALLY.

FAILED TO  FAIRLY INVESTIGATE OUR OWN CLAIMS AND STATEMENTS.

NEVER TOLD US THERE WAS A PROBLEM WITH OUR CLAIM FOR THE FIRST SIX MONTHS.

YET, WITH ALL THESE ACCUSATIONS AND CHARGES AGAINST US OFFERED TO PAY 40% OF OUR CLAIM TO SETTLE AFTER OVER 4 YEARS OF DELAY.

THEIR DELAY HAS EARNED FARM BUREAU INTEREST ON OUR MONEY FOR FOUR YEARS, 

 AND TOOK OUR RETIREMENT SAVINGS FROM US.

        MORE FARM BUREAU TACTICS
I believe this was one tactic they used against us that was very successful for them.
By Farm Bureau filing the Declaratory Judgement Lawsuit against us.

a) They forced us to hire an attorney, (spend money).

b) They created additional delay in settling the claim.

c)  They intimidated us, and created fear and apprehension.

d) They created an avenue of investigation to seek detrimental information
    To use against us.

e) They put us on the defensive. ( put us in a position to make a mistake they could use against us).

f) They attacked our character by making us defendants in a public lawsuit.

g) They created a process by which they could legally accuse us of fraud and deceit  whether true or not.

 h) By settling the case just before trial they saved lots of money, and eliminated the need to prove their accusations

against us.

THE MCKINSEY SLIDES TACTICS IMPLEMENTED BY FARM BUREAU

This is a long story, It began ten years ago when many insurance company executives got together in person and by different means of trade communications  and decided the industry was making record profits, but not making profits to equal the fortune 500 companies.  Two of these companies hired the worlds largest consulting firm called Mckinsey & Company to figure a way to increase profits even more.  Three years later they came back with the solution, which was to raise profits by cutting back claims payments. This was a very complex scheme of which one component was a set of twelve thousand slide presentations.   To acomplish this scheme the insurance industry would create a new ethical concept which included putting the interest of company profits ahead of their traditional policyholders interest.  To create this new concept all insurance companies united in a policy of retraining and educating all their employes.  After all, for this new concept to work all companies had to follow along.  And follow along they did.  Farm Bureaus corporate performance, and ethical conduct  from then on was measured by only one standard, profit.  Farm Bureau and the entire insurance industry totally wiped out the traditional fiduciary duty inherent in the insurance industry's obligation to policyholders as expressed by the California Supreme Court 30 years ago. It stated "The obligations of good faith and fair dealing encompass qualities of decency and humanity inherent in the responsibilities of a fiduciary."  After implementing this new concept, total insurance company operating income increased by over 3000 percent. Yes, thats three thousand percent.  For this to happen there had to be a lot of serious cheating with unfair claims practices.  Farm Bureau leads the pack in this effort.  The 167 lawsuits with policyholders from August of 2003 to August of 2006 prove this out.  Some of the tactics instigated by McKinsey, and used by Farm Bureau were spelled out in the "McKinsey Slides" in this exact wording. 

1) Radically alter your approach to the business of claims.

2) Aggressively pursue increased profits at the direct expense of policyholders.

3) Work to alter rules and regulations concerning bad faith laws because this new scheme will violate existing laws.

4) Force innocent policyholders to litigate legitimate claims rather than settle with them.

5) Initiate the "good hands strategy" (pay small claims quickly and fairly) or the "boxing gloves strategy" (fight to the end).

6) Promote the use of the "Colossus" program for estimating claims which automaticly cheats to the tune of 20%.

7) Offer low "take it or leave it" settlements based on "Colossus" estimates.

8) Expect 90% of policyholders to succumb with in six months due to economic pressures and give up without a fight.

9) Deliberately abuse the civil justice system as a weapon of attrition against the 10% who refuse to accept the low offers.

10) Expect aggressive litigation to yield positive results.

11) To activly incite significantly higher levels of needless, frivolous litigation  as a tactical strategy to delay or diminish legitimate claims.  

12) McKinsey stated that fewer policyholders and their lawyers would be willing or able to litigate and their only other choice  would be to accept about 40 cents on the dollar for legitimate claims.

13) One McKinsey slide depicts an alligator sitting and waiting for a victim.  The caption reads by postponing payment, insurance companies can hold money longer and wear down policyholders to the point of dropping a challenge. 

Farm Bureaus implementation of this McKinsey strategy is very evident in their policy of instigating these 167 lawsuits against policyholders with legitimate claims, only to settle after many years of delay without ever proving a case in court.  And in Farm Bureaus claims manager, Eugene Parton stating under oath that Farm Bureau had instigated a policy of going "all electronic to eliminate all paper work.  I believe Farm Bureau is one of the worst abusers of the civil justice system in Missouri.  I also believe Farm Bureau is guilty of abuse of the Courts, conspiracy, and rackateering.  I hope someday they will face these charges under the RICO act. 

These McKinsey Slides were ordered to be turned over to the court, but to date the insurance company has refused the Judges Order and is now under Contempt Of Court.  If these slides, with all their evidence are ever made public it will open a floodgate of lawsuits against all insurance companies, not just Farm Bureau. 

As of 9/17/07 Allstate, who has possession of these McKinsey Slides has been ordered to pay $25,000.00 per day until they turn them over to the court.  It has been rumered that Allstate says thats nothing to them and they might pay it forever rather than make the slides public.

As of approximatley 10/18/07 Allstate Insurnance has settled this case with the people from Warrensburg, Mo. who sued for disclosure of the McKinsey Slides. The amount was for over a Million Dollars.  (The slides are once again unavailable to the public.)  Farm Bureau, and their law firm, Brown and James can breathe easy until someone else sues for the release of the McKinsey Slides, and the corruption they would disclose.