Once you become a victim of identity theft, it will literally take you hours and thousands of dollars to rectify the situation. By signing up with an identity theft protection company before you become a victim, you will escape the painful experience that others who don?t enroll will face. If you sign up after you have become a victim it will be too late.

You may not know that your identity has been compromised until you check one of your credit card statements and notice numerous charges that you yourself did not personally make. Or when you check your credit rating or unfortunately are contacted by a debt collector for an unpaid debt. With identity theft growing into such a serious crime, it may take time to resolve any credit issues. The average identity theft victim can spend hundreds of dollars as well as unlimited time trying to repair any damage that has happened to their credit. With identity theft, some victims have lost out of possible employment opportunities, been declined for bank loans and credit cards as well houses and or vehicles due to any negative information that is on their credit.

LifeLock is a company whose number one goal is to protect their clients. To show how serious they are in protecting their client?s identities, they created the LifeLock guarantee; every client who has their identity stolen will be covered under their $1 Million Total Service Guarantee.

The CEO of LifeLock, Todd Davis issued a statement that confirms this firm belief in his company. “No one can stop all identity theft, and don’t believe anyone who says they can, but look at what we’ve done. Our proactive approach has resulted in successfully protecting over 99 percent of our members. That’s unprecedented. And the less than 1/10 of 1 percent that did fall victim to identity theft were completely covered by our guarantee.”

With the stance that LifeLock holds in fighting identity theft, they have been able to reduce the risk of their client?s identities becoming compromised or stolen.

One way LifeLock does this is by notify their clients if a change of address was made in their name. Additionally as part of their service, they will also ensure that their client?s names are taken off of junk and pre-approved credit approval mailing lists.

LifeLock will assist in requesting both the fraud alerts and credit reports on behalf of their clients as part of the service that they offer. Within an hour of signing up with LifeLock each client will receive notice that alerts have been placed upon all their credit reports with the three major credit bureaus in America. These bureaus are Equifax, Experian and TransUnion. The credit bureaus will normally send out a report notifying you that an alert has been placed on your account ? just to confirm the steps LifeLock took on your behalf.

After signing up with LifeLock each client should also notice a decrease in the amount of junk mail, especially pre-approved credit offers that they receive in the mail. Thrown out pre-approved credit card offers are often an easy way for thieves to steal your identity.

I hope you now understand why signing up with an identity protection company such as LifeLock is beneficial to you as a consumer. By signing up as a member each client is protected under their $1 Million Total Service Guarantee. As a member, you can relax knowing that your identity is protected, and even if it should become compromised, there is a company who has your back. They will take the fight off your hands and make sure that funds that have been stolen are returned to you as well as fighting for you to regain your identity and restore your credit.

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As a practical matter, there is frequently little point in bringing a civil lawsuit against an identity thief. If the thief is some computer hacker or is otherwise a career criminal, a civil judgment against him or her will be meaningless. More frequently, we are seeing that the identity thieves are family members, and most victims of identity thefts are unwilling to pursue criminal prosecution against a family member even if he, or she, did commit a crime.

The California Identity Theft law has a very specific function: it gives victims of identity theft a civil remedy against creditors and debt collectors who refuse to cancel identity theft accounts. For instance, let?s say Mary is a victim of identity theft because some company did not secure her personal information and it was stolen. She files her police report and contacts the credit bureaus to notify them of the identity theft. She also contacts all of the creditors of the identity theft accounts (not the creditors of her genuine accounts) and requests that they cancel the accounts because of the identity theft. Several of them do. However, one or two hold out and continue to try to collect on the accounts even after they have been advised of the identity theft situation. They may even sue Mary even though they have been told about the identity theft.

As to these ?hold-out? creditors, the victim of identity theft really had limited remedies before the passage of the California Identity Theft law. Defending, and winning, a patently frivolous lawsuit is costly in terms of both time and money, and many consumers faced the dilemma of spending more money to fight than they would spend to settle a frivolous and fraudulent claim. Moreover, traditional common-law legal theories really did not fit well with the growing scourge of identity thefts, and the fact that victims of identity theft badly needed to restore their credit and financial balance to their lives to fully recover and move on.

The California Identity Theft Law permits victims of identity theft to pursue a vast and effective array of remedies against creditors or debt collectors who do not cancel identity theft accounts. The victims can get all of their actual damages, including emotional distress damages; they can get a court order canceling their identity theft accounts and dismissing any lawsuits brought against them for identity theft accounts; they can get their attorney?s fees paid by the ?hold-out? creditors or debt collectors and they can even obtain a $30,000 civil penalty under certain circumstances. It is a law that all California consumers need to know about.

The legal citation to the law is California Civil Code, Sections 1798.92 through 1798.97.

Here is what California consumers need to know to make the Identity Theft Law work for them:

1.You need to file a police report and/or a Federal Trade Commission fraud affidavit as soon as you learn of the identity theft. If you have trouble getting your local police to accept an identity theft police report, go to www.ftc.gov for an Identity Theft affidavit, or see the main article on our website about handling identity theft. This article has specific steps you will need to use if your local police department refuses to take your identity theft police report.

2.Send a copy of the police report to the creditor or creditors (or debt collectors), advising them of the known details of the identity theft and requesting that they cancel the identity theft accounts.

3.You must give the creditor or debt collector 30 days to cancel the account and/or dismiss the lawsuit. Sometimes they will request more information from you; if they do, provide it to them. If they do not act within 30 days, or they refuse to cancel the account, then you need to contact our law firm immediately for a free case review and consultation.

4.Remember to keep all correspondence via certified mail, return receipt requested, and obviously keep copies of everything you send and receive. This will not only help us evaluate your case, but these letters are frequently the very best evidence in any claim for a violation of the California Identity Theft Law.

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The Most Common Powers of Attorney
? The Universal Power of Attorney allows one or more people to act on your behalf for any reason at any time.

? The Limited Power of Attorney specifies under what set of circumstances or during what period of time someone is allowed to act on your behalf for certain activities. As an example, it can give someone the authority to act on your behalf for all of your financial affairs in the event of your illness or incapacitation.

? The Specific Power of Attorney usually gives someone authorization to act on your behalf for one specific undertaking like authorizing someone else to sign the closing documents when you buy or sell a house.

Beware of the Universal Power of Attorney
So, why is it important for you to know what types of powers of attorney there are and the benefits and risks of each? The answer is that most of us use only the Universal Power of Attorney; thinking that we are protecting ourselves because we lack the awareness of all of the available options. Many people don?t realize a Universal Power of Attorney gives nearly unlimited power to the holder of this document. It gives that person the legal ability to at any time and for any reason access your medical records; withdraw funds from your bank or investment accounts; sign a contract in your name to buy or sell securities, real estate, an automobile or boat; take out a loan and on and on.

Limited Power of Attorney
A Limited Power of Attorney is an option for designated activities that kicks in only in the event of illness or incapacitation (which is valid as long as a doctor continues to certify the illness or incapacitation) or during a specific span of time. These limits reduce your exposure to possible excesses or bad judgments by those who hold your limited power of attorney.

Using Different Powers of Attorney for Maximum Flexibility
Another thing to consider when designing a legal backup system that will come to your aid when the unexpected happens is whether it is a good idea to overburden any one person with all of the responsibilities of keeping your life afloat until you are able to once again take control of it yourself. The person best suited to oversee your financial and small business matters may not be the best person to care for your pets, children or household. Consider that it would be overwhelming for one person to have to take care of all facets of someone else?s life for any period of time. Making separate authorizations naming several different friends or family members to undertake the various responsibilities of your life protects you more thoroughly.

Knowledge is Power
It is equally important that you provide those you have entrusted to act on your behalf in times of emergency or crisis with the information and instructions necessary for them to know how to help you. So, no matter how many authorizations or powers of attorney you may have put into place, you need to make sure that those who hold your powers of attorney know what you want and expect ? from your business needs to the running of your household. If you don?t do this, it would be like hiring a builder but not giving him the plans for the house you want to build.

This process sounds daunting but it can actually be very easy and inexpensive with resources like those offered at http://livingsmartguides.com

Whatever tools you select to enable others to give you the help you need in a crunch, don?t delay putting these protections into place so you?re better prepared for whatever lies ahead.

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Personal injury protection or PIP is the name some states give to their no-fault plan.

If you live in one of the no-fault states and are injured in a car accident, regardless of fault, your insurance, must pay certain benefits. These benefits are known as Personal Injury Protection or “PIP”.

Medical Bills

No fault pays your medical bills reasonably and necessarily incurred because of the car accident. It probably won’t cover aromatherapy but it will cover chiropractic care. This is limited by the coverage you purchased. In some states you must have at least $3000, but it is possible to get $10,000, $25,000 or even $100,000 of this type of coverage.

Lost Wages

No fault pays your lost wages (or lost income if you are self employed) This usually has a rather small cap such as ?up to 85% of the income you lost from work, up to a maximum of $250 per week.”

Household Services

No fault covers the cost of paying others to perform household services you can’t perform because of your injuries. This benefit is usually limited to $20 per day.

Death Benefit

No fault often includes a death benefit that you as a survivor can apply for if your loved one is killed in a crash.

Applying For Benefits

To apply for your Personal Injury Protection benefits you need to contact your agent to report the accident. He will notify your insurance company who will open a file and assign a claims adjuster. Once an adjuster has been assigned contact her and ask for an “Application for Benefits”. This is the form most insurance companies use to start the payment process.

Subro What?

If you were not at-fault, your insurance company my be able to get paid back for the money it spends on your no fault benefits. This is commonly known as ?subrogation.? To do this it will need to submit a bill to the company of the at-fault driver.

If you have hired an attorney to help you on your injury claim, your insurance company may ask him to help recover the subrogation money from the other insurance company. Sometimes insurance companies have staff lawyers who handle this and sometimes they hire outside law firms to do it.

Conclusion

No fault or Personal Injury Protection is a system where your insurance company pays you benefits regardless of fault after a car crash. These benefits usually include: medical expenses, lost income, household services and a death benefit.

Start the process by reporting the crash to your agent. He will open the claim and an adjuster will be assigned by your insurance company.

Disclaimer

This article is for informational purposes and is not intended to substitute for legal advice specific to your state and circumstances.

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