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Identity Theft
Identity Theft
Identity Theft
Identity Theft
Identity Theft
Identity Theft
Identity Theft
Identity Theft
Identity Theft
Identity Theft
Identity Theft
Identity Theft
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Identity Theft


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Armor Insurance Services, Inc and Erie Insurance Group Present Identity Theft

Armor Insurance Services, Inc and Erie Insurance Group Present Identity Theft

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  • Hello and welcome. My name is Steven H Blinsink with Armor Insurance Services, Inc . I’m going to talk about a topic that unfortunately is becoming more widespread every day – Identity Theft.
  • Transcript

    • 1. Identity Theft Take back what’s yours
    • 2.
      • Identity Theft
              • What is identity theft?
              • Are you at risk?
              • What can you do to protect yourself?
      Note: Insurance policies vary with every insurance carrier. Speak with a licensed agent about specific questions concerning your own coverages .
    • 3. Identity Theft
      • What is it?
      • Criminal event that occurs when one person takes personal information from another without his or her permission or knowledge and uses it to:
      • - Open new credit accounts
      • - Purchase vehicles
      • - Apply for loans, credit cards
      • - Establish utility service
      • - Rent dwellings
    • 4. Identity Theft
      • Identity Theft vs. Credit Card Fraud
      • Credit Card Fraud – someone making unauthorized purchases with an existing credit card, ATM or debit card.
      • This is NOT identity theft
    • 5. Identity Theft
      • Are you at risk?
          • Identity theft is rapidly growing in the U. S.
          • An average of 10 million people each year are victimized.
          • Every minute, 19 people become a new victim of identity theft.
      • Source: Identity Theft Resource Center
    • 6. Identity Theft
      • Prevention Tips
          • Check your credit report once a year.
          • Guard your Social Security number. Don’t carry it with you.
          • Don’t put your SSN or driver’s license number on your checks.
          • Be suspicious of telephone solicitors. Never provide information unless you initiated the call.
          • Don’t reply to any suspicious e-mail requests.
            • Many states are considering Security Freeze Laws
    • 7. Identity Theft
      • Steps to follow if you’re a victim:
          • Contact the fraud departments of the three consumer reporting companies to place a fraud alert on your credit report.
          • Close the accounts that you know or believe have been tampered with or opened fraudulently.
          • File a complaint with the FTC (Federal Trade Commission).
          • File a report with your local police.
          • If you have ERIE’s Identity Recovery coverage, contact the police
          • then call 1-866-ERIENOW to file a claim.
    • 8. Identity Theft
      • ERIE’s Identity Recovery Coverage
          • Endorsement on ERIE Homeowners and Mobile Homeowners policies.
          • For $20 per year, it provides $25,000 of coverage per insured individual.
          • Coverage helps insured restore his or her identity, the most difficult part of identity theft.
    • 9. Identity Theft
      • ERIE’s Identity Recovery Coverage
          • Includes coverage for:
              • -Lost wages (up to $250 per day, $5k max)
              • -Re-filing applications for loans, grants, credit
              • -Certain legal fees
              • -Notarizing affidavits
              • -Ordering credit reports and other fees related to the theft
              • -Costs related to insured’s time away from caring for dependents
      • Does NOT cover the money fraudulently lost. The affected financial
      • institutions typically limit the customer’s loss.
    • 10.
      • ERIE’s Identity Recovery Coverage
          • Case management services assist the insured through the recovery process.
          • On the insured’s behalf, case managers:
            • -Call creditors
            • -Obtain and review credit reports
            • -Contact the Social Security Administration
            • -Prepare letters to creditors
      • Case management services drastically reduce the time
      • an insured spends on recovering their identity.
      Identity Theft
    • 11.
      • Additional Resources
          • Order a free credit report at
          • Remove your name from many national direct e-mail lists and national telephone marketers on the Direct Marketing Association website at
      Identity Theft
    • 12. Steven H. Blinsink Armor Insurance Services, Inc. 114 West A Street Kannapolis, NC 28081 Phone: 704-933-5409 E-mail: We’ve got you covered. It’s our true blue promise. Visit for more information. Contact Information