Find Out What's Covered

For victims of identity theft, restoring their name and good credit can be a confusing, time-consuming process often requiring significant out-of-pocket expenses. Victims have the burden of demonstrating to the merchant or financial institution that the charges were fraudulent.

It can take weeks, months or even a year to fix the problem. On average, victims of identity fraud spend 60 hours and hundreds or thousands of dollars to correct the problem.

But for a low annual fee, ERIE can help take back what’s yours.

Expenses covered with ERIE’s coverage include costs for:

• lost wages up to $5,000 in total;
• re-filing applications for loans, grants or other credit instruments;
• certain legal fees, including the expenses for defending any civil suit brought against the insured by a creditor or collection agency or for removing any civil judgment wrongfully entered against the insured as a result of the stolen identity;
• notarizing affidavits or other similar documents;
• miscellaneous expenses up to $1,000;
• ordering credit reports, and postage, phone, and shipping fees related to identity theft and fraud;
• actual costs for supervision of children, elderly or infirm relatives or dependents of an insured during time reasonably and necessarily taken away from such supervision.

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