Identity Theft

AVAILABILITY OF SERVICES AND COVERAGE
The Identity Theft Protect Services and Identity Theft Insurance become available on the effective date of your plan. Services end 180 days (six months) from the date of your plan’s effective date.

IDENTITY THEFT PROTECTION SERVICES
If you suspect someone has compromised your identity, call us toll-free at (866) 501-3254 and ask to be connected with the Identity Theft Recovery Unit. The Identity Theft Recovery Unit (ITRU) offers fast and responsive support to victims of identity theft. This unit’s trained fraud specialists will help guide you through the necessary steps of restoring your credit profile. Specialists are proactive in contacting the credit reporting agencies, creditors and in providing helpful information to assist you with recovering and restoring your credit. The service provides the following benefits:

• Pull a three-bureau credit report with your authorization.
• Assistance reviewing your report to review and identify instances of suspected fraud.
• Assistance in placing Fraud alerts at all three credit reporting agencies at your request.
• Dispute letters written on your behalf for you to review and sign, and for you to forward to Bureaus and Creditors.
• Assistance with contacting law enforcement agencies.
• A “Recovering from Identity Theft” information kit, including a copy of the three-bureau report which was reviewed.
• Convenient toll-free access to the Identity Theft Recovery Unit so you can contact ITRU with follow-up questions or concerns.
• SIx months of daily monitoring and alert service at all three bureaus.

• Lost wages (up to $500 per week for a maximum of four weeks) as a result of time taken off work to deal with the fraud, including wrongful incarceration. Lost wages must occur during the policy period.
• Notary and certified mailing costs for completing and delivering fraud affidavits or similar documents.
• Loan application fees incurred when reapplying for loans when the original application is rejected solely because the lender received incorrect information.
• Long-distance phone charges associated with reporting or discussing an actual identity fraud.
• Attorney fees incurred (with prior Intersections consent) for defending suits (1) brought incorrectly by merchants and their collection agencies, (2) for removing criminal or civil judgments wrongly entered against an Insured Person, and (3) for challenging the accuracy or completeness of any information in a consumer credit file.

The Identity Theft Resolution Services become available on your scheduled departure date for your trip. Services end 180 days (six months) from the date of your scheduled departure date for your trip.

Identity Theft Resolution does not guarantee that its intervention on behalf of you will result in a particular outcome or that its efforts on behalf of you will lead to a result satisfactory to you.

Identity Theft Resolution does not include, and Identity Theft Resolution shall not assist you for thefts involving non-US bank accounts.