Identity theft, also known
as identity fraud, is one of the fastest growing crimes in the nation.
Yet it's more than someone stealing your credit card and making fraudulent
charges on it. Identity theft happens when someone uses another person's
personal information to commit theft. This information may be as simple as a
name, address and date of birth, or as detailed as a Social Security number, or
a mother's maiden name. Identity thieves use this information to open credit
card accounts, obtain loans, drain bank accounts and more.
Your identity can be stolen many different ways,
including online through your own computer. With the INVISUS PC
Security Service, you are protected against these online threats as well as the
other traditional threats of identity theft.
INVISUS Direct's Personal Identity Theft Insurance policy, underwritten by AIG, is included at no extra cost with your subscription to the INVISUS PC Security Service.
. Comprehensive coverage
. $25,000 Identity Theft Insurance
. No Deductible
. Identity restoration costs
. Legal defense expenses
. Lost wages
. Identity Recovery Service
Identity theft victims are provided financial relief
(reimbursement) of up to $25,000 with no deductible for certain expenses
including identity restoration costs, legal defense expenses and lost wages.
. Identity Restoration Costs: Identity theft victims
incur a variety of fees when trying to restore their identities. The INVISUS
Direct program* reimburses victims for re-filing loans, grants or other credit
applications that were rejected as a result of their stolen identity event. In
addition, victims are reimbursed for notarizing affidavits, long distance phone
calls, tolls and postage costs related to the event. Within twelve months of
his/her identity being stolen, a victim may also order up to six credit reports
in order to verify that the identity has been restored.
. Legal Defense Fees & Expenses: Victims are
reimbursed for reasonable and necessary fees and expenses incurred for
defending any civil suit or judgment wrongfully brought against you by a
creditor or collection agency for non-payment of goods or services, or default
on a loan as a result of a stolen identity.
. Lost Wages: Victims of identity theft typically spend
175 hours restoring their good name, talking to police and dealing with
creditors. The emotional strain on victims may also result in lost hours from
work. INVISUS Direct program* compensates the victim for lost wages
within 12 months after the stolen identity event.
In the event of identity theft, customers receive
unparalleled service from highly trained specialists. Available 24/7, the
specialists guide individuals through the process of restoring their identity
profiles and credit records. An ID Theft Recovery Kit, complete with form
letters to send to creditors and bureaus, is provided to each identity theft
victim.
Click here
for answers to Frequently Asked Questions.
*Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. For questions about coverage, please contact idtheft@aig.com or call 1-866-826-4974. Coverage not available to residents of New York and may not be available in other jurisdictions.
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