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Fighting Identity Fraud-Know Your Options

Identity theft and Identity fraudare terms which are used to refer to crimes where someone wrongfully obtains and uses a person's data in some way that involves fraud or deception.

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Javelin Strategy & Research has issued it's 2010 report on identity fraud occurrences from 2009. Key highlights from the report show that while the instances of identity theft reached record numbers in 2009, victims spent less time and money recovering from the crime.

Key Statistics

  • 11.1 million adults we're victims of identity theft in 2009
  • The total fraud amount was $54 billion
  • The average victim spent 21 hours and $373 out of pocket resolving the crime
  • 4.8% of the population was a victim of identity fraud in 2009
  • 13% of identity fraud crimes we're committed by someone the victim knew

If it has happened to you or someone you know, it is a situation that can turn your world upside down and follow for years to come. There are steps we can take to cover ourselves from allowing this to ever happen to us or our loved ones. With Identity Fraud Expense Coverage, being covered can help the cost of repairing credit problems caused by identity fraud by providing limited expense reimbursement.

Several Covered Expenses Include:

  • Costs of notrizing fraud affidavits or similar documents
  • Costs of certified mail
  • Lost wages up to $500 per week
  • Loan application fees for reapplying for a loan
  • Reasonable attorney fees
  • long distance telephone charges to report or discuss identity fraud

There is even "Additional Coverage" which covers loss caused by:

  • Theft of unauthorize use of credit or fund transfer cards
  • Forgery or alteration of a check
  • acceptance in good faith of counterit U.S. or Canadian paper money

To know that there is protection available is a great thing to keep in mind. Here are some steps to take to make sure we stay as protected as possible:

  • Don't give out sensitive information (social security, credit card numbers, etc) unless YOU have initiated contact. Many times thieves will pose as officials.
  • When shopping online, shop on at secure Web sites.
  • Report lost of stolen checks and/or credit cards immediately
  • Destroy financial solicitations or other financial documents
  • Guard your ATM number and treat your receipts with care
  • Remove mail after delivery immediately. If you know the mailman has already gone by, wait until he next day to put anything in the mailbox.
  • Get credit reports annually to review.

Taking these small steps will help tremendously in the fight against this horrible crime. Knowing that there are options for coverage for these situations is also a benefit. Paradiso Insurance is here for any questions you may have now or in the future.

 

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