Auto Insurers like Farm Bureau Financial Services Moving to Real Time Driver Surveillance (Updated 6/19)

by Allen Williams


Today's insurance market is simply the pits especially where automobile coverage is concerned. Consumer complaints are on the rise and even though one can get a feel for how he or she may fair under insurer policies from these complaints, there is little relief from industry abuses. One such example is Farm Bureau Financial Services of West Des Moines. Iowa, a holding company that has acquired a number of state farm bureaus through the years including Kansas in 2001.

Farm Bureau is a financial conglomerate that provides Home and Auto coverage through its subsidiaries as well as questionable innovative technologies like driveology'. View the FBFS Driver real time monitoring brochure here: (https://www.fbfs.com/insurance/auto-insurance/driveology) Whats that you may ask? Note that the company's safe driving software will be rating YOUR contribution to global warming as a qualifier for premium auto discounts.

We now live in a technological age where government and its affiliated partners can render total information control over every individual. Under real time driver management surveillance, most people will never qualify for any significant discounts. It will be nothing more than an intrusive incursion into ones privacy.

Farm Bureau has a history of making promises which never materialize. I was involved in several rate saving programs in the past promising discounts but about halfway through, a general rate increase nullified the discount. I even requested a 7500 mile travel limit option but it didn't result in any noticeable rate reduction as I wound up with double digit rate increases of 18%, 13.5%, 13% and 36% for the last four years.  See my complaint filed with Kansas Insurance Commissioner. The company raises insurance premiums on drivers with no accidents to help offset its uninsured loss claims.


As you might imagine in new technologies, the Farm Bureau website does not give any system details on its driver monitoring package. Their safety brochure mailed to potential insurance renewals is all the information that is available. They want you to talk to their agent where nothing promised is in writing to establish that the insurer wasn't acting in good faith in the event of future litigation. I'll define what that means a bit later.

Now before one can actually qualify for the kind of savings they hint at with their driver monitor (up to 30%) you need to own the right car. What might that be you respond? Well the advertisement I received with last years 13.5% rate increase infers that I may only expect to receive the maximum discounted savings IF my car qualifies. Now given the fact that Farm Bureau raised my auto rates 18% last year with no claims for the last 15 to 20 years that Ive been insured, I have to conclude that one must have the latest vehicle technology in addition to their software if any real savings are possible. So, what must a person do?

Well for starters I must accept their electronic surveillance package in my car (it could be as simple as a flash drive plugged into my cars USB port, if I had one) that would query and store my vehicles health, environmental and operating data.

Expect this to be a points based rating system not unlike trading carbon credits. For example, you just had a new CO exhaust monitor installed in the vehicle, that's +5 points but you also have a substandard performing catalytic converter and that's (-)50 points. Get the drift or am I going too fast?

In addition, the FB insurance system records how often the brake pedal is actuated, your distance traveled, the speed of the vehicle and if the driver is wearing a seat belt. I bet it will also test driver alertness on long trips as most new cars have a camera screen which is perfect for receiving visual messages and alarms from your driving safely monitor. It will send various messages that need to be responded to in a certain amount of time along the lines of a drunk detector on start-up which requires you to type in a random series of numbers in sequence in 10 or so seconds or you can't start the car. Remember, older drivers with arthritis and other physical impairments will be challenged to satisfy such tests. And, it would most likely result in a serious penalty (-)1000 points, etc in the driveology system if you fail it.

The Farm Bureau software surveillance system is capable of virtually infinite expansion as any new WIFI device can communicate with your vehicle WIFI. So say, there is a new device marker for a school zone, the marker will notify the FBFS system in your car enabling it to determine if you're speeding in that region, and if so (-) 100 points. And lets not forget that weather is available across the WIFI network which allows insurers to determine that you're driving too fast on wet slippery roads and then more point penalties. Also, they will know what you' re listening to on the radio and if you are texting because these are all WIFI access devices. And because most fast food restaurants also have WIFI, the company will be aware of what you're eating and drinking. This information will be sold to their business partners per their privacy notification policy.

The Farm Bureau driver monitor will also know the last time your car was serviced and if the environment is being harmed by using the AC too often. [UPDATE] These intrusive measures are being offered as a 'social responsibility' effort but also a 'profit enhancer' for companies. Telogis offers real time driver monitoring.  See (https://www.telogis.com/benefits/social-responsibility)
Here's an example of what's already underway in commercial fleet operation: "Using Telogis Fleet (https://www.telogis.com/solutions/fleet) you can measure progress on green metrics. Using baseline data, ongoing collection and record-keeping of GHG outputs, you can report on your current carbon footprint and track green fleet initiatives. ..It all adds up to shrinking your carbon footprint and minimizing carbon emissions. Calculate your potential CO2 reductions using our GPS ROI calculator."
(https://www.telogis.com/benefits/your-roi/gps-roi)

Driver monitors can also interface with the police license scanner system ALPR - (http://www.theiacp.org/ALPR) alerting an expired license (-)1500 points (plus a ticket). Or perhaps, you did not schedule that emissions test when told to by the system within the time window allotted (-) 500 points. The FB driveology data is viewable externally as their brochure claims but you cant correct it. It will testify against you in any legal proceeding resulting from a citation or an accident.

Now after your car has spied on you for a period of time, I mean monitored your driving habits for a year or so, you become eligible for advanced premium discounts. But I'd be surprised if anyone could qualify for a dime of rebate under such a program, more than likely the FB system will document scores of reasons why one can't earn a premium break and will then be justification for endless rate increases just as one experiences each year for those over retirement age.

Statistics is the lifeblood of the insurance industry; these people are always looking for ways to minimize their risks and boost profits at the drivers expense so your personal freedom and privacy under the 4th amendment is of little concern. So, do not be surprised if the insurance industry is already lobbying government to require this invasive technology under penalty of law. Forcing individuals to upgrade equipment and purchase services they do not need or want is a time honored globalist tradition right along with getting the government to do their dirty work. (If you have forgotten that just revisit Obamacare.)

Companies like Farm Bureau also force you to subscribe to their quarterly Kansas Living magazine as a condition of purchasing their auto insurance. Kansas Living is no longer the voice of agriculture but a paid platform of partner advertising subsidized by the policy holder. You can't cancel it because your FB auto insurance is contingent upon remaining a Kansas Living subscriber.

So, how effective is Farm Bureaus claim management you may think? Well, in short, they almost never return your phone calls. Particularly, if you have a question about their rates do not expect to get an answer in your lifetime. For a supposedly rural company they come off like the snobbish global company they truly are. One recent user named Rachel from Kansas (https://www.consumeraffairs.com/insurance/farm-bureau-homeowners.htm) laments: 

"Extremely dissatisfied with Farm Bureau. We have paid additional to get residential home equipment breakdown coverage. Our heat and air unit outside needs replacement. It has been eleven days since we have filed our claim. We have tried to contact the insurance agent several times. He does not pick up his phone and neither does he answer back."
I certainly have to agree with her assessment based on my personal experiences with Farm Bureau.

Then there is Debra (https://www.consumeraffairs.com/insurance/farm-bureau-homeowners.htm) from the Indiana branch of Farm Bureau:
"I've had Indiana Farm Bureau Insurance for 6 SIX years, paying approx $200/month which equals over $14k and had NO ZERO claims, not even 1 speeding ticket, yet my insurance rates keep increasing - on my 11 yo vehicle! I am even over 50. Called my agent and he said "Well, I can't explain it. Sorry. I'll even shop around for you!"
" Here are more FBFS complaints from the consumer protection website (https://www.consumeraffairs.com/insurance/farm_bureau_auto.html).

Folks there is a reason behind Farm Bureaus rude and callous behavior, they simply don't have to perform because if there is any misdoings you're the one (or your attorney) who has to prove that the insurer was not acting in good faith and its just about impossible to prove given the legal boundary conditions that have to be satisfied simultaneously. Now you know the value of insurance lobbying. Yes, state governments have provided some cushy legal protection for the insurance cartel's deep pockets. Here is an excellent example from Findlaw as to how the claim game is played.

On October 9, 1999, Roger Bellville (Bellville) and his wife, Sue Ellen, were involved in a motor vehicle accident with Guy Schueler. Ellen died at the scene Bellville was unharmed. (http://caselaw.findlaw.com/ia-supreme-court/1256710.html)

Now here's the explanation of 'good faith' in legal terms as I mentioned earlier: 
2. Subjective element: knowledge of lack of reasonable basis. Even when the insurer lacks a reasonable basis for its denial of a claim, liability for bad faith will not attach unless the insurer knew or should have known that the basis for denying its insured's claim was [Sampson, 582 N.W.2d at 150; Kiner v. Reliance Ins. Co]., unreasonable. An insurer's negligent or sub-par 463 N.W.2d 9, 13 (Iowa 1990). investigation or evaluation of a claim is relevant to the fact finder's determination of whether the insurer should have known its denial lacked Reuter, 469 N.W.2d at 254; Bad Faith Actions a reasonable basis. 5:08, at 5-42 ([A] breach of the duty to investigate constitutes a § But an improper investigation, standing substitute for knowledge.) alone, is not sufficient cause for recovery if the insurer in fact has Reuter, 469 an objectively reasonable basis for denying the claim. N.W.2d at 254-55; accord Seastrom v. Farm Bureau Life Ins. Co., 601 5:08, at 5-42 (stating N.W.2d 339, 347 (Iowa 1999); Bad Faith Actions § a negligent investigation does not constitute bad faith by itself). With this background, we turn now to an analysis of the plaintiff's bad faith claim.

So bad faith actions ARE NOT proof of bad faith itself and precisely what insurance adjuster actions could ever be deemed unreasonable in a court of law? And how could you prove that the insurer knew or should have known that his basis for denying the claim was unreasonable? Anything the adjuster does will be deemed reasonable; the appellate court has already affirmed that assumption in this particular case.

Farm Bureaus real time driver monitoring system is a privacy threat and a consumer rip off.


Cost Functions Should Not be Used to Make Education Spending Decisions

by Kansas Policy Institute


June 1 - Wichita - A cost study recommending a school funding increase upwards of $2 billion survived a peer review by a scholar the Legislature hired; but, another respected school finance scholar says cost studies should not be used to set funding levels.

Benjamin Scafadi, Ph.D., a professor of economics and director of the Education Economics Center at Kennesaw State University, says, “cost function studies do not provide valid and reliable estimates of the minimum 'cost' of achieving a given outcome.” 

Knowing the Legislature’s WestEd cost study would define the conversation on education spending and impact further judicial proceedings, Kansas Policy Institute partnered to do an independent peer review with Dr. Scafidi.  His findings disprove the notion that spending more money causes student achievement to improve. 

In response to the Kansas Supreme Court’s recent ruling in the Gannon V case, the Kansas Legislature recently contracted with a vendor conducting a $285,000 study to analyze the “cost” of educating public school students in grades K-12. The Legislature asked the vendor, WestEd, to “estimate the minimum spending required to produce a given outcome within a given educational environment.” WestEd used a “cost function” approach to estimate the costs of providing students in each public school in Kansas with an adequate education. 

Dave Trabert, president of the Kansas Policy Institute, commented, “These cost studies may be done with the best of intentions, but they fail to provide results that are useful in guiding policy decisions. In practice they only take a partial look at one variable – spending – and ignore all other variables that impact learning.”

Scafadi said, “The estimates vary widely and do not track with historical data on spending and achievement.” The review outlined the reasons why supposed “cost” functions do not provide valid and reliable estimates of the minimum “cost” of achieving a given outcome.

“One glaring problem we found with the WestEd study is that researchers do not have access to data on all external factors that impact the cost of educating students.” Trabert said.

Scafidi’s study for Kansas Policy Institute included in its exhaustive review a complete recommendation of best practices that should be performed to “check carefully for robustness and reliability of results.”

His data determined it unreasonable to conclude that giving the Kansas public school system, as currently constituted, a large boost to spending would significantly improve student outcomes.

“Given the vast sums of taxpayer funds at stake, the Kansas Governor, Legislature, and the State Supreme Court should implement the five best practices, as laid out in my review, to discover the truth about the relationship between spending and valuable student outcomes.” Scafadi concluded.




Editor's Note: Such mathematical games accomplish little more than feed the lawyers who feast on endless court decisions that force the Kansas Legislature to raise taxes violating both the separation of powers and the people's right to determine fiscal policy.

The Vaccine Hoax is Over. Documents from UK reveal 30 Years of Coverup

by Jeffrey Phillips


Andrew Baker ( FFN),- Freedom of Information Act in the UK filed by a doctor there has revealed 30 years of secret official documents showing that government experts have:

1. Known the vaccines don’t work
2. Known they cause the diseases they are supposed to prevent
3. Known they are a hazard to children
4. Colluded to lie to the public
5. Worked to prevent safety studies

Those are the same vaccines that are mandated to children in the US

800px-Smallpox_vaccine : Educated parents can either get their children out of harm’s way or continue living inside one of the largest most evil lies in history, that vaccines – full of heavy metals, viral diseases, mycoplasma, fecal material, DNA fragments from other species, formaldehyde, polysorbate 80 (a sterilizing agent) – are a miracle of modern medicine.

Freedom of Information Act filed in the US with the CDC by a doctor with an autistic son, seeking information on what the CDC knows about the dangers of vaccines, had by law to be responded to in 20 days. Nearly 7 years later, the doctor went to court and the CDC argued it does not have to turn over documents. A judge ordered the CDC to turn over the documents on September 30th, 2011.

On October 26, 2011, a Denver Post editorial expressed shock that the Obama administration, after promising to be especially transparent, was proposing changes to the Freedom of Information Act that would allow it to go beyond declaring some documents secret and to actually allow government agencies (such as the CDC) to declare some document “non-existent.”

Simultaneous to this on-going massive CDC cover up involving its primary “health” not recommendation but MANDATE for American children, the CDC is in deep trouble over its decades of covering up the damaging effects of fluoride and affecting the lives of all Americans, especially children and the immune compromised. Lawsuits are being prepared. Children are ingesting 3-4 times more fluoride by body weight as adults and “[t]he sheer number of potentially harmed citizens — persons with dental fluorosis, kidney patients tipped into needing dialysis, diabetics, thyroid patients, etc — numbers in the millions.”

The CDC is obviously acting against the health of the American people. But the threat to the lives of the American people posed by the CDC’s behavior does not stop there. It participated in designed pandemic laws that are on the books in every state in the US, which arrange for the government to use military to force unknown, untested vaccines, drugs, chemicals, and “medical” treatments on the entire country if it declares a pandemic emergency.

The CDC’s credibility in declaring such a pandemic emergency is non-existent, again based on Freedom of Information Act. For in 2009, after the CDC had declared the H1N1 “pandemic,” the CDC refused to respond to Freedom of Information Act filed by CBS News and the CDC also attempted to block their investigation. What the CDC was hiding was its part in one of the largest medical scandals in history, putting out wildly exaggerated data on what it claimed were H1N1 cases, and by doing so, created the false impression of a “pandemic” in the US.

The CDC was also covering up a financial scandal to rival the bailout since the vaccines for the false pandemic cost the US billions. And worse, the CDC put pregnant women first in line for an untested vaccine with a sterilizing agent, polysorbate 80, in it. Thanks to the CDC, “the number of vaccine-related “fetal demise” reports increased by 2,440 percent in 2009 compared to previous years, which is even more shocking than the miscarriage statistic [700% increase].

The exposure of the vaccine hoax is running neck and neck with the much older hoax of a deadly 1918-19 flu. It was aspirin that killed people in 1918-19, not a pandemic flu. It was the greatest industrial catastrophe in human history with 20-50 million people dying but it was blamed on a flu. The beginning of the drug industry began with that success (and Monsanto was part of it). The flu myth was used by George Bush to threaten the world with “another pandemic flu that could kill millions” – a terror tactic to get pandemic laws on the books in every state and worldwide. Then the CDC used hoax of the pandemic hoax to create terror over H1N1 and to push deadly vaccines on the public, killing thousands of unborn children and others. (CDC will not release the data and continues to push the same vaccine.)

The hoax of the vaccine schedule is over, exposed by FOIAs in the UK.  The hoax of the CDC’s interest in children’s lives has been exposed by its refusal to respond to a doctor’s FOIAs around its knowledge of vaccine dangers.

The 1918-19 pandemic hoax has been exposed by Dr. Karen Starko’s work on aspirin’s role in killing people.

And despite refusing to respond to FOIAS, the CDC’s scandalous hoax of a 2009 flu pandemic and its part in creating it, was exposed by CBS NEWS.  And the Obama administration, in attempting to salvage the last vestige of secrecy around what is really happening with vaccines, by declaring agency documents non-existent, has made its claim of transparency, non-existent.

But pandemic laws arranging for unknown vaccines to be forced on the entire country are still in place with HHS creating a vaccine mixture that should never be used on anyone and all liability for vaccines having been removed. Meanwhile, a Canadian study has just proven that the flu vaccine containing the H1N1 vaccine which kills babies in utero, actually increases the risk of serious pandemic flu.

Americans who have been duped into submitting their children to the CDC’s deadly vaccines, have a means to respond now. People from every walk of life and every organization, must 


1. take the information from the UK FOIAs exposing 30 years of vaccine lies, the refusal of the CDC to provide any information on what it knows about those lies, and the Obama Administration’s efforts to hide the CDC’s awareness of those lies, and go to their state legislatures, demand the immediate nullification of the CDC vaccine schedule and the pandemic laws.

2. inform every vet. active duty military persons, law enforcement people, DHS agents and medical personnel they know, of the vaccine hoax, for their families are deeply threatened, too, but they may not be aware of it or that they have been folded into agency structures by the pharmaceutical industry (indistinguishable from the bankers and oil companies) that would make them agents of death for their country with the declaration of a “pandemic” emergency or “bio-terrorist” attack. It is completely clear now that the terrorism/bioterrorism structures are scams so that any actions taken to “protect” this country using those laws would in fact be what threatens the existence of Americans.

It was aspirin that killed millions in 1918-19. Now it is mandated and unknown, untested vaccines with banned adjuvants in them that threaten the country with millions of deaths. At the same time, the CDC is holding 500,000 mega-coffins, built to be incinerated, on its property outside Atlanta. Not to put to fine a point on this, but it’s clear now that the CDC should not be involved in any way with public health. 

Thanks to the Freedom of Information Act (FOIA), we know that vaccines are not a miracle of modern medicine. Any medical or government authority which insists vaccines prevent diseases is either ignorant of government documents (and endless studies) revealing the exact opposite or of the CDC’s attempts to hide the truth about vaccines from the public, or means harm to the public.


The health danger to American children and adults are vaccines.