What You Need to Know About Identity Theft
Advice on what to do from WEA Member Benefits
Identity theft—how can I prevent it from happening to me?
More than half a million people find themselves victims of identity theft each year. Your best protection is prevention. Here are some useful tips:
- Be watchful of “shoulder surfers.” At ATMs and phone booths, thieves will stand close enough to see PIN numbers.
- Put your credit card receipts in a safe spot until your credit card bills arrive.
- Buy a shredder and use it. Shred all sensitive documents, including credit card receipts,medical and old bank statements, everyday bills, and preapproved credit card offers.
- Limit the number of credit cards you carry.The fewer cards you have, the easier it is to track them.
- Get a credit report at least once a year and clean up any errors. Credit bureaus make mistakes.
- Never leave paid bills in your mailbox for the mail carrier to pick up.
- Protect your Social Security number. Only give it out when absolutely necessary. Never carry your Social Security number and driver license together in your wallet.
What if identity theft happens to me?
- Call one of the three major credit reporting bureaus to place a fraud alert on your credit.You don’t need to call all three bureaus since the one you call will alert the other two. See above for bureau contact information.
- Contact your creditors and inform them that your identity has been stolen. They will close the accounts and have you fill out a fraud affidavit.
- Contact your local police and alert them to the fraud under your name.
- File a complaint with the Federal Trade Commission by calling 1-877-ID-THEFT.
- Change all passwords you use online.
- If you lost your entire wallet or believe someone is using your driver’s license, visit the DMV and get a new driver’s license number and card.
- Keep your records. Throughout your dealings with creditors, companies, and detectives, always write down the name of the individual you spoke with, their employer, the date and time, and a short summary of your discussion.
- If you have a WEA Property and Casualty (WEA P&C) Insurance Company home policy, give us a call at 1-800-279-4030.
Am I covered for identity theft on my WEA P&C Home Protection Policy?
Yes, you are covered.
Your policy with WEA P&C Insurance Company reimburses up to $10,000 for expenses that occur from identity theft. Benefits include:
- $300 in coverage if you need to hire a theft recovery service to help you restore your identity.
- Lost salary or wages up to $200 per day, up to $5,000, resulting from time taken off work to restore your identity.
- Loan application fees.
- Reasonable attorney fees.
- Costs for notarizing documents.
Call one of our consultants at 1-800-279-4030 for more information.
Credit Bureau Information
P.O. Box 740241, Atlanta, GA 30374
P.O. Box 9532, Allen, TX 75013
P.O. Box 6790, Fullerton, CA 92834
Service that goes above and beyond
At WEA Member Benefits, we’re here for you. Unlike other insurers, coverage for identity theft on your WEA P&C Home Protection Policy is free.
WMBT 3464-290-0417 (W)