3 Ways Identity Recovery Protects You

Identity Recovery Coverage

Identity theft hits us in a number of ways and involves the fraudulent use of one's Social Security number or another method of ID. When the wrong person gets ahold of your account, they could establish credit accounts, secure loans, enter into contracts, or even commit crimes—all in your name. If there has been an identification theft involving your personal identity, Identity Recovery will provide a case manager to help you recover control over your personal identity. This may include contacting authorities, credit bureaus, creditors, and businesses to get to the bottom of your loss. Case management services are not subject to a deductible.

Costs Coverage

Identity Recovery will provide reimbursement of costs incurred as a result of the theft, including the following costs:

• Re-filing applications for loans, grants, or credit accounts.
• Long distance telephone calls, postage, and notarizing documents.
• Credit reports from established credit bureaus.
• The defense of any civil suit brought against you.
• The removal of any civil judgement entered wrongly against you.
• Legal assistance for you at an audit or hearing by a governmental agency.
• Legal assistance in challenging accuracy of your consumer credit report.
• The defense of any criminal charges brought against you using your identity.

Lost wages you incur for spending time away from work during your recovery will also be covered by this endorsement. Time away from work includes full or partial days and payment for vacation days, discretionary days, floating days, and paid personal days.

Help Line

If you have questions or need help, please call the ID Recovery Help Line at 1-800-945-9313. This line is available to provide you with the following: information about ID theft, help to request Case Management Services, help to make a claim for Costs Coverage.