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This Summary is provided to inform you that as a member of Privacy Solutions you are entitled to benefits under the Master Policy referenced below. This Summary Description of Benefits does not state all the terms, conditions, and exclusions of the Policy. Your benefits will be subject to all of the terms, conditions, and exclusions of the Master Policy, even if they are not mentioned in this Summary. A complete copy of the Policy will be provided upon request.
The Master Policy of AIG Personal Internet Identity Coverage has been issued to: Privacy Solutions LLC (the "Master Policy Holder"), Policy Number: ---916281 underwritten by American International Specialty Lines Insurance Company (the "Company"), a member company of American International Group, Inc. (AIG), to provide benefits as described in this Summary.
Should you have any questions regarding the Membership Program provided by the Master Policyholder, or wish to view a complete copy of the Master Policy, please call the customer service number located in your membership materials.
To file a claim under the Master Policy, contact:
1-866-IDHelp2 (1-866-434-3572)
Inform the representative that you are a Privacy Solutions Identity Theft Protection customer.
This is a group master policy issued to Privacy Solutions LLC. If this master policy is terminated, your benefits will cease effective that date. It is the obligation of the master policyholder to inform you of any termination of the master policy.
We shall pay you for the following:
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Reasonable and necessary costs incurred by you in the United States for re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity event;
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Reasonable and necessary costs incurred by you in the United States for notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report a stolen identity event and/or amend or rectify records as to your true name or identity as a result of a stolen identity event;
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Reasonable and necessary costs incurred by the insured for up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau) dated within 12 months after your knowledge or discovery of a stolen identity event.
Actual lost wages earned in the United States, whether partial or whole days, for time reasonably and necessarily taken off work and away from your work premises solely as a result of your efforts to amend or rectify records as to your true name or identity as a result of a stolen identity event. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days but not for sick days or any cost arising from time taken from self-employment. Coverage is limited to wages lost within twelve months after your discovery of a stolen identity event.
Reasonable and necessary fees and expenses incurred in the United States by you with our consent for an attorney appointed by us for:
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Defending any civil suit brought against you by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as a result of a stolen identity event; and
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Removing any civil judgment wrongfully entered against you as a result of the stolen identity event.
Those services performed in response to a stolen identity event and on your behalf after receipt of authorization from you including but not limited to:
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Providing you with an information package including a description of the resolution process, educational articles, and guidance for avoiding future complications.
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Notifying the three major credit bureaus and provide assistance with requesting that a fraud alert be placed on your credit files and affected credit accounts.
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Reviewing your credit files with you to determine the accuracy of the file and potential areas of fraud.
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Notifying as needed, your affected creditors, financial institutions, credit card companies, utility providers, and merchants of the identity fraud.
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Providing information to the Federal Trade Commission (FTC), and to other government agencies as appropriate.
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When appropriate, providing assistance with obtaining and reviewing your Social Security Personal Earnings and Benefits Statement.
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Creating and maintaining a case file to document the identity fraud.
A stolen identity event is the theft of your personal identification, social security number, or other method of identifying you, which has or could reasonably result in the wrongful use of such information, including but not limited to stolen identity events occurring on or arising out of your use of the Internet. A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a or any other method of identifying your business activity.
The Master Policy provides benefits to you only if you report a stolen identity event to us by the contact number stated on page 15 as soon as you become aware of a stolen identity event, but in no event later than six months after the stolen identity event occurs and you follow the instructions given to you in a claims kit that you will be provided. These instructions will include notifying major credit bureaus, the Federal Trade Commission's Identity Theft Hotline and appropriate law enforcement authorities. This claims kit will also instruct you how to file for benefits under the policy if the stolen identity event results in losses covered under the policy.
You will only be covered if a stolen identity event first occurs while you are a member of the Master Policyholder's insured program and is reported to us within 6 months. You will not be covered if the stolen identity event first occurs after termination of the master policy or termination of your membership in the Master Policyholder's program.
The most we shall pay you are the Limits of Insurance shown above. All Legal Costs shall be part of and subject to the Aggregate Limit of Insurance. LEGAL COSTS ARE PART OF,AND NOT IN ADDITION TO,THE LIMIT OF INSURANCE. The Lost Wages Limit of Insurance shown above is a sub limit of the Aggregate Limit of Insurance and is the most we shall pay you for lost wages.
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You shall be responsible for the applicable Deductible amount shown on page 15 and you may not insure against it.
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You shall be responsible for only one Deductible during any one policy period.
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. Please refer to the actual policies for complete details of coverage and exclusions. Coverage not available to residents of New York and may not be available in other jurisdictions.
Should you be enrolled in more than one membership program insured by us, or any of our affiliates, we will reimburse you under each membership program:
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Subject to the applicable deductibles and limits of liability of each insured membership program.
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In no event shall the total amount reimbursed to you under all membership programs exceed the actual amount of loss.
COVERAGE DOES NOT APPLY TO RESIDENTS OF THE STATES OF NEW YORK.
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Now the agency charged with fighting identity theft says it's lost two laptops containing personal data.
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By the time of Shiva Brent Sharma's third arrest for identity theft, at the age of 20, he had taken in well over $150,000 in cash and merchandise in his brief career.
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... credit. "People need to consider how great the risk of ID theft is and whether they will be seeking credit," says Brody. Evan Hendricks ...
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