EXPENSE REIMBURSEMENT COVERAGE

Expense reimbursement coverage is an important component to any comprehensive identity theft protection program, as out-of-pocket expenses and missed work are commonplace when one’s identity has been stolen.

Identity Theft Expenses, when incurred as a direct result of identity theft, include:

1) Legal Expenses: Reasonable and necessary attorney’s fees or court costs associated with suits brought against the victim by merchants, financial institutions or other credit issuers, or their collection agencies. It also covers or the removal of any criminal or civil judgment wrongly entered against the victim.

2) Lost Wages: Actual U.S. wages or salary lost as a direct result of time off work to address the effects of identity theft.

3) Miscellaneous: Loan applications fees, long distance telephone costs, mailing and postage costs, costs of having affidavits or other documents notarized, costs to purchase up to four (4) credit reports* from any of the three major credit bureaus (Experian, Equifax, or TransUnion).

Coverage Agreement:

Secure Identity Systems will reimburse victims for identity theft expenses incurred as a result of an identity theft incident that takes place or was first discovered while those victims were members eligible for coverage.

Coverage is secondary to any other applicable insurance or coverage available.

This evidence of coverage is not transferable to another person or entity.

If an identity was stolen in another state, and the victim is required to appear in court in that state:

• Airline and hotel expenses would be covered
• Attorney’s fees would be covered
• Lost wages would be covered