Telemarketing fraud is a term referred to any scam scheme in which the persons carrying out the scam use the telephone as their primary tool to defraud victims. The con artist will present you with goods or service you can buy, investment opportunities or donations to charity. These calls can be legitimate, but we are focusing on t... Read more
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Personal identity theft has become a lot more newsworthy lately. Some experts say that it's receiving much more attention than it should. It has become so common in the news that there is now an insurance to cover it called personal identity insurance.
What Does It Cover? Personal identity theft insurance typically costs $25 to $50 per year and covers up to a total of $15,000 to $25,000 worth of expenses. It covers some lost wages that result from of time that must be taken off work to deal with fraud. Coverage for this benefit usually does not exceed $500 per week and is generally limited to four weeks of total coverage. Some attorney's fees may be covered by this insurance. Some personal identity theft insurance coverage may extend to notary and certified mailing costs for filling out and delivering fraud affidavits to the parties involved. Fees for reapplying for loans and credit cards that were turned down due to erroneous credit information are usually covered to a certain extent by this type of insurance. Long distance bills for calling banks and other merchants and law enforcement agents to discuss the fraud can also be covered. This may seem like a good deal for the money but keep in mind a few things. Identity theft is very unlikely. The chances of being victimized are only about 0.35%. Chances are it will never happen to you. The coverage may seem adequate but when actually broken down, parts of it aren't very useful. For example, the lost wage item sounds good but at $500 a week, it's not enough to cover what many people would be making. As well it doesn't consider that many people are unable to take time off from work. Personal identity theft coverage doesn't fix your credit or criminal record as home or auto insurance might do. It strictly helps with the expenses so you can fix it on your own. The expenses entailed generally don't surmount $1,000 so you may find that purchasing a policy is of no benefit.
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