Identity Theft Expense Coverage and Identity Theft Services
Identity theft is a growing problem that can happen to anyone, and cleaning up the mess when your identity is stolen can be an expensive and overwhelming task. That’s why Farmers Mutual offers comprehensive Identity Fraud Expense Coverage along with complimentary Identity Theft Services, powered by Identity Theft 911®, the nation’s leading provider of resolution services and fraud education. Having this coverage will help you with the expenses you incur when restoring your identity should identity fraud occur, plus you and your family will have unlimited, one-on-one access to a highly trained fraud specialist whenever you have a concern about the safety of your personal information.
Identity Theft Expense Coverage
- Charges for long distance telephone calls to report or discuss an actual identity fraud.
- Costs for certified mail to law enforcement agencies, credit agencies, financial institutions or similar credit grantors.
- Costs for notarizing affidavits or similar documents attesting to fraud required by financial institutions or similar credit grantors or credit agencies.
- Lost income resulting from time taken off work to complete fraud affidavits, meet with or talk to law enforcement agencies, credit agencies and/or legal counsel, up to a maximum payment of $200 per day. Total payment for lost income is not to exceed $5,000.
- Reasonable attorney fees incurred as a result of identity fraud to:
- Loan application fees for re-applying for a loan or loans when the original application is rejected solely because the lender received incorrect credit information.
- Preventive services to help lock criminals out and avoid identity theft. Talk to a fraud specialist to protect your identity when a wallet or purse is lost or stolen, when you’ve been affected by a data breach, when you’re getting married or divorced, or have any identity question.
- Resolution services to help completely resolve identity theft. These services include unlimited assistance plus up to a year of active follow-up, fraud specialist-assisted credit file alerts, a comprehensive case file to aid law enforcement, assistance notifying creditors and one year of free credit and fraud monitoring for identity theft victims. A fraud specialist provides help after a home break-in, with medical identity theft, or if you think your child may be an identity theft victim.
- Document recovery assistance when replacing lost, stolen or destroyed documents and identification. You can count on help after a fire or natural disaster or while traveling.
- Identity theft education through news alerts, in-depth articles, and monthly newsletters. Learn more about identity theft, including preventative tips and tools, at www.fmne-idtheft.com.