Even around O’Fallon and the Mid-Rivers Area of Missouri, there have been alarming news stories of identity theft. In one story from Charles County, a man used a false identity to falsify loan documents to obtain a truck from a dealership. In a second story in St. Peters, thieves had placed credit card skimmers in gas pumps to steal credit card information. In these and similar cases, victims may not even realize that they had their credit card numbers or financial information used until they got their account statements. Is it time for you to take steps to protect yourself from identity thieves?
How Identity Theft Protection Can Help Preserve Your Finances and Good Name
One reason that it’s so tough to combat identity theft is that it can take several forms. These criminals may operate online, but they also use automated phone systems, mail, and even in-person theft. To protect yourself, you should take some proactive measures.
- Remain cautious whenever you’re asked to provide payment or identifying information, like credit card, license, or social security numbers. This is true if you’re at the gas pump, on an internet site, online, on the telephone, or in person.
- Monitor your credit and financial accounts for suspicious activity. Lots of banks and credit card companies now provide credit monitoring for their customers, so consider using them regularly. Always check your statements and know your credit score.
Are You Safe From Identity Theft?
No matter how careful you are with your personal or financial information, you can’t guarantee that you’re always safe from identity thieves. You can do everything right, but you can’t always be certain that hackers will stay away from your favorite stores or service providers. If you want to reduce your risks, you may also decide to invest a few dollars a month in an identity theft protection plan.
These identity theft insurance plans will cover the costs in time and money that you may incur to restore your credit, resolve issues with creditors, and stop identity thieves from doing more damage. For instance, an ID theft protection plan might help reimburse you for any time lost from work, the cost of obtaining documents, and in some cases, legal fees. They should also provide you with experienced guidance, so you know which steps to take to resolve your problem with the least time and trouble.
We all buy car insurance, but we hope we never have an accident. Hopefully, you will never have your identity stolen. If you do, you will probably be grateful to have a company on your side. As with other kinds of coverage, you should compare the cost and benefits provided.
For example, some of these plans may include credit monitoring, but you may already have that through another company. If you’re interested in plans that cover legal fees, make certain you can use them to access experienced representation in your hometown.
Find the Right Identity Theft Protection
At Mid-Rivers Insurance, we serve O’Fallon, Jefferson City, Kirksville, Wentzville, and surrounding areas. We can offer you identity theft protection through some home and renters policies or with standalone plans. As with all our community members, we’ll take the time to answer your questions and make sure you get a chance to pay an affordable price for the high-quality coverage you need. If you need to make a claim, we’re here to assist you with that too. Contact one of our agents to learn more about the benefits of working with independent insurance agents and then give us a call today.