LYNDON SOUTHERN INSURANCE COMPANY
[Administrative Office: 100 West Bay Street, Jacksonville, FL 32202]
[(800) 888-2738]
[Administrative Office: 100 West Bay Street, Jacksonville, FL 32202]
[(800) 888-2738]
Identity Theft Expense Reimbursement Evidence of Coverage
DEFINITIONS: Throughout this document, “You” and “Your” refer to the individual or Family Member who is a Member Protect checking checking accountholder of Aberdeen Proving Ground Federal Credit Union as defined by the terms and conditions for the identity theft group services program. The Member Protect checking account must be active. “We” and “Us” refer to Lyndon Southern Insurance Company. In addition, when in bold certain words and phrases are defined as follows:
• Administrator means SOURCE INTERNATIONAL, INC. You may contact them if you have questions regarding this coverage or would like to make a claim. They can be reached by phone at 888-663-1536, mail at ID THEFT, 712B North Pine Avenue, Green Cove Springs, FL 32043, or email at IDTHEFT@source-intl.com.
• Coverage Period means the period starting on the Coverage Effective Date. Coverage will continue for as long as Your Member Protect checking account is active. (This standing is defined by the terms and conditions for the identity theft group services program.) Coverage will stop if You or Aberdeen Proving Ground Federal Credit Union cancel Your Member Protect checking account.
• Domestic Partner means an unmarried person in an intimate, committed relationship of mutual caring. They must share responsibility for basic living expenses with You. They must be at least eighteen (18) years old and not currently married and/or committed to another person.
• Evidence of Coverage (EOC) means this document. It describes the terms, conditions, and exclusions. The EOC is the entire agreement between You and Us. Representations or promises made by anyone that are not contained in this EOC are not a part of Your coverage.
• Family Member means spouse or domestic partner or the member and includes dependents under the age of 25 who have the same permanent address. Any handicapped adult living in the same household who requires assistance from the family to manage their affairs, and parents (mother or father) of the member who have the same permanent address as the member, or who are registered in a senior assisted living facility, skilled nursing home, hospice, or who have been deceased for twelve months or less.
• Identity Theft means the use of Your name, address, Social Security number (SSN), bank or credit card account number, or other identifying information without Your knowledge to commit fraud or other crimes.
• Identity Theft Expenses mean the following:
1) Legal Expenses: Reasonable and necessary attorney fees or court costs associated with defending any suit brought against You by merchants, financial institutions or other credit grantors, or their collection agencies, or the removal of any criminal or civil judgment wrongly entered against You as a result of Identity Theft;
2) Lost Wages: Actual U.S. wages or salary You lose as a direct result of time off work taken by You to report or 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). The credit reports may be purchased only after the Identity Theft has occurred and for the purpose of correcting inaccuracies that occur as a result of Identity Theft.
• Coverage Effective Date means the date You were advised that coverage was effective by Aberdeen Proving Ground Federal Credit Union.
COVERAGE AGREEMENT
We will reimburse You or a Family Member for Identity Theft Expenses You incur as a result of an Identity Theft incident that occurs or was first known to You during the Coverage Period. Coverage is secondary to any other applicable insurance or coverage available to You. This EOC is not transferable to another person or entity.
LIMITATIONS
Coverage is limited to Your actual Identity Theft Expenses, not to exceed a total of $25,000. Coverage is further limited to
• $500.00 USD per week, for up to four (4) weeks for Lost Wages.
• There is a limit of one (1) Identity Theft incident per twelve (12) month period.
DEDUCTIBLE
There is a $0.00 USD deductible per claim.
EXCLUSIONS
Coverage does not apply to:
• Any Identity Theft Expense not listed in “DEFINITIONS”;
• Any act of theft, deceit, collusion, dishonesty or criminal act by You or any person acting in concert with You, or by any authorized representative of You, whether acting alone or in collusion with You or others;
• Damages or losses arising from the theft or unauthorized or illegal use of Your business name, d/b/a/ or any other method of identifying Your business activity;
• Any lost wages due to sickness or emotional breakdown;
• Damages or losses of any type for which the credit card company, bank, creditor, etc. is legally liable;
• Identity Theft Expenses that were incurred or commenced from a known Identity Theft incident that occurred prior to the Coverage Period;
• Damages or losses of any type resulting from fraudulent charges or withdrawal of cash from a debit or credit card or financial/bank/investment account;
• Any incident involving a loss or potential loss not notified to the relevant police authority within seventy-two (72) hours from the date You had knowledge of the loss;
• Fees or costs associated with the use of any investigative agencies or private investigators.
• Identity Theft caused by a family member.
WHAT TO DO IF YOU ARE A VICTIM OF IDENTITY THEFT
• Contact a Recovery Advocate at 800-357-6392 for assistance upon discovery of Your Identity Theft problem.
• Notify the Administrator within ten (10) days of discovery of Your Identity Theft problem.
• Notify the police in Your local jurisdiction within seventy-two (72) hours from the date You had knowledge of the Identity Theft loss. Obtain a copy of the police report, if available.
HOW TO FILE A CLAIM
To file a claim, You or a Family Member must contact the Administrator by phone or email within thirty (30) days of the date of the Identity Theft. Otherwise, the claim may be denied. A claim form will be sent to You. The fully completed claim form must be returned to the Administrator at ID THEFT, 712B North Pine Avenue, Green Cove Springs, FL 32043 with:
1. Completed and signed claim form.
2. Proof that a fraud alert was placed with each major credit bureau (Experian, Equifax, TransUnion, etc.) immediately after discovery of Identity Theft;
3. Copy of the complaint filed with the Federal Trade Commission (FTC);
4. Copy of settlement reached by each party (creditors, collection agency, banks, etc.) involved with Your Identity Theft incident;
5. Copy of a police report from Your local jurisdiction;
6. Copy of all receipts, bills or other records that support the Identity Theft Expenses incurred by You;
7. Any other documentation that may be reasonably requested to validate a claim.
All these required items, including the claim form, must be postmarked within sixty (60) days of the date of the loss. Otherwise, the claim may be denied.
GENERAL PROVISIONS
Coverage is provided under a Group Policy issued by Lyndon Southern Insurance Company. This EOC is a summary of benefits provided to You.