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Identity Theft
Expense Coverage and Identity Theft Resolution Service
Identity Theft Expense Coverage
Pays up to $25,000 for expenses incurred as the
direct result of “identity
theft”
including costs for:
- Notarizing affidavits or similar documents.
- Certified mail to law enforcement, credit agencies,
financial institutions,
etc.
- Lost income (maximum of $200 per day, total of
$5,000)
- Loan re-application fees.
- Attorney fees incurred as a result of identity
theft.
- Long-distance phone calls.
Identity Theft Resolution Service
Unlike a call center environment provided by some
companies, the same Identity Theft 911 advocate (or counselor) will work one-on-one
with impacted customers/victims to help reclaim their good names. Customers will
have access to a toll-free number to contact their advocate (or counselor) whenever
questions arise. Our Identity Resolution Service also includes, at no extra charge,
:
- Direct assistance with filing police reports.
- Creation of fraud victim affidavits.
- Creation of a comprehensive case file, which provides
assistance for law
enforcement.
- Direct assistance with notifying governmental
agencies (such as U.S. Postal
Service, Passport Services Office, Social Security Administration, DMV).
- Preparation of all documents and phone calls needed
to notify credit grantors.
- Assistance in placing fraud alerts with credit
bureaus, closing accounts
that
have been compromised, adding passwords to accounts, etc.
- Personal assistance in dealing with debt collectors,
if necessary.
- Credit monitoring to identify fraudulent activity
and provide periodic reports
of changes to credit information, including sending an alert whenever suspicious
activity is detected.
- Fraud monitoring of more than 400 databases (such
as state departments of
motor
vehicles) to identify where someone is trying to use or change personal information,
such as Social Security Number and/or home address.
- A full year of active follow-up to judge the effectiveness
of the fraud resolution
and to detect possible recurrent fraud.
The statements of coverage are
subject to certain exclusions and conditions. Only the policy form contains the
actual insurance contract.
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