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Do You Need Identity Theft Insurance? Manhattan KS

No insurance policy can truly prepare you for identity theft. Identity theft insurance does not actually cover you for the monetary loss you suffer from identity fraud. Read on and know more.

State Farm Insurance
(785) 776-3800
511 Leavenworth St
Manhattan, KS
 
Allstate Insurance Co
(785) 587-9960
409 Warner Park Rd
Manhattan, KS
 
State Farm Insurance
(785) 776-7220
2801 Claflin Rd Ste 100
Manhattan, KS
 
Nash Rick
(785) 537-0366
1011 Poyntz Ave
Manhattan, KS
 
Darrah Julie Ins
(785) 537-1122
205 S Seth Child Rd
Manhattan, KS
 
Gross Insurance Agency
(785) 776-4709
105 S 4th St
Manhattan, KS
 
Allstate Insurance
(785) 776-7777
2815 Anderson Ave
Manhattan, KS
 
Farm Bureau Financial Services
(785) 537-9393
1917 Fort Riley Blvd
Manhattan, KS
 
Cederberg Donna
(785) 587-0801
1112 Laramie St
Manhattan, KS
 
Bramhall Kelli Ins
(785) 776-7777
2026 Tuttle Creek Blvd
Manhattan, KS
 

Do You Need Identity Theft Insurance?

Provided By: 

Identity Theft Insurance

400,000 victims a year and a small premium to pay for coverage, but is it still good value for your insurance dollar?

It’s that sinking feeling that no insurance policy can truly prepare you for: you have just been the victim of identity theft. Someone has stolen your driver’s license, Social Security number and most catastrophically, your credit card. Before you realize anything’s awry, this thief has racked up thousands of dollars in debt, rented apartments or cars, and made big-ticket purchases – all in your name. You can’t possibly pay off this stranger’s reckless spending spree, and suddenly your credit rating is in tatters.

Thankfully, insurance companies do offer indemnity for this growing problem, and at first glance it looks like a wise policy to have in place. The premiums on identity theft insurance (also called identity fraud insurance) can run as low as $25 a year and provide about $15,000 worth of coverage. This fee can be added to your current polices for home insurance or travel insurance , or it can be set up as a stand-alone account. Though accurate figures are hard to pin down, the Federal Trade Commission estimates that there are somewhere between 160,000 and 400,000 victims of identity fraud in America each year, and the number has been steadily rising.

So why wouldn’t you rush out and get such an affordable policy if you haven’t already?

Well, there is one important thing to keep in mind before you do: identity theft insurance does not actually cover you for the direct monetary loss you suffer from identity fraud. That’s right. If the crook goes out and buys $5,000 worth of DVDs on the Internet with your credit card number, the insurer isn’t going to turn around and pay off that bill for you. Instead, what the policy does cover is the expenses you incur setting your financial house back in order. These expenses can include:

  1. Fees for reapplying for loans that were turned down because of incorrect credit...

Click here to read the rest of this article from Insurance Guide 101

Kansas Computer Crimes Laws

Civil Lawsuits Permitted?: No

Attempt Considered a Crime?: Yes

Misdemeanor Computer Crimes: Criminal computer trespass and computer password disclosure are class A nonperson misdemeanors

Felony Computer Crimes: Computer crime is a severity level 8 nonperson felony

Mental State Required for Prosecution: Intentionally

Code Section: 21-3755

Source: http://statelaws.findlaw.com/

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