Identity Theft Protection
Farmers Mutual Insurance Company includes Identity Recovery coverage on Personal Lines and Farm Owners policies to provide services that assist victims of identity theft in recovering their identity.  We also include insurance to reimburse victims for covered expenses incurred in the identity restoration process. 

Time is Money
The biggest “cost” to victims of identity theft is the time and frustration they incur correcting their credit history and identity records.  The average victim spends 60 hours to rectify the damage from identity theft and many cases take much longer.  Our identity recovery services are designed ease the burden and perform all steps that a third party can legally perform on a victim’s behalf.

Identity Recovery Help Line —  Counselors at our toll-free Identity Recovery Help Line, will answer insureds’ initial questions, provide information about identity theft and provide a guide that gives advice about what to do immediately.

Identity Recovery Case Manager Service — Confirmed identity theft claimants are referred to a case manager who guides them through all the steps in the process to correct their credit history or identity records.  This service can include:

• Calling credit bureaus and creditors and facilitating communications between the victim and those who can correct their records;
• Helping victims review their credit reports to identify errors that need to be corrected and coordinating action to make those corrections;
• Writing letters for the insured to send to credit bureaus and other institutions;
• Keeping detailed records of the steps taken and remaining in the process.

 Identity Theft Insurance — Our program also includes expense reimbursement insurance up to $15,000 that reimburses victims for covered expenses arising from a defined identity theft event, including:

• Lost wages as a result of time away from work to correct credit or identity records;
• Cost of obtaining credit bureau reports;
• Fees when reapplying for loans initially declined due to falsified credit information;
• Postage, phone and shipping fees;
• Certain legal fees caused by identity theft;
• Notary and filing fees for costs you incur in the steps you take yourself to correct your identity and credit records.

This is a summary of coverage.  Review the actual policy for details on all coverages, terms, conditions and exclusions.

Creative Thieves: Ways to Steal Your Identity

Federal Trade Commission 2006 Identity Theft Survey Report