The Need
The Federal Trade Commission reports that the average identity theft victim is unaware of the problem for 12 months. Identity thieves can do a lot of damage during that time. If you suspect your identity has been stolen, take steps to clear your credit history and correct your identity records right away. The Federal Trade Commission reported that there were 10 million identity theft victims in the US in 2003. It took victims an average of $1500 and 175 hours to recover their identities, at a total cost of $50 million.
What’s Covered?
Call us the minute you think you may be an identity theft victim. Our experienced case managers can help you identify and contact creditors and financial institutions quickly. They know the process, the procedures and how to gain the cooperation of those who may be unsympathetic to your problem. Identity theft insurance reimburses you for expenses you incur to recover your identity.
- Lost wages for time taken off from work
- Cost of credit bureau reports
- Fees for reapplying for loans that were declined because of falsified credit information
- Postage and phone charges
- Notary fees
- Some legal fees
Click here for the ID Theft Recovery Brochure in PDF format.
- Fast, face-to-face response. We settled 90% of Hurricane Isabel claims in 60 days and 90% of Ernesto claims in 30 days. We have independent agents in 185 locations throughout Virginia.
- Valued customer discounts. If you have both your homeowners and your automobile insurance with us, you get a 25% discount on your automobile policy and a 10% discount on your homeowners policy. If you haven’t had a ticket in three years, you may qualify for a 15% discount on your automobile insurance. And, we offer additional discounts to non-smokers and other responsible policyholders.
- Financial strength. The world’s largest and most authoritative source on insurance carriers’ financial strength and ability to pay claims, AM Best, rates us A- (Excellent). Demotech, a leading financial analysis and actuarial consulting firm, has rated Northern Neck Insurance Company A” Double Prime, unsurpassed in financial stability.
- Convenience. In addition to home and auto insurance, we offer boat, umbrella, home office, equipment breakdown, identity theft and extended replacement coverage. So you can get all of the coverage you need in one place, with one point of contact, when you have a claim or a question—your local independent insurance agent.
This is not an offer to contract. Policies contain limits, exclusions and conditions that are not listed here. For full details about your specific coverage, please consult with your agent and read your policy carefully.
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