Personal Injury and ID Fraud Protection
With the ever expanding use of the Internet, there are a number of new exposures a person faces daily. Twitter, Facebook, Wordpress and other blogging and social networking sites are a means to rapidly propagate opinions, facts about ourselves, or just things we generally find interesting. However, misuse of these sites may result in lawsuits, or in giving someone enough information about yourself that your identity can be compromised.
Personal injury and ID Fraud protection can be added to your home, condo, or tenant policy.
Defamation, slander or libel can occur if you tweet, blog or say something derogatory about a person or company. In order to defend yourself from these types of lawsuits, personal injury can be added to augment the liability in your home policy and to provide both legal defense and to cover damages if you are held liable.
As an example, a plumber you contract uses shoddy materials and leaves you unhappy with their workmanship. You go to Twitter and announce to your legion of followers that "Mike the plumber is an incompetent crook." Mike now has grounds to consider a suit against you for defamation and libel.
Personal injury also covers you against other civil lawsuits, notably invasion of privacy, false arrest, or wrongful eviction.
Because of the risk posed to landlords regarding eviction and invasion of privacy, it is particularly important that their home policy have Personal Injury added.
ID Fraud, Blogging and Tweeting
Using the Internet can be fraught with peril. You are regularly subjected to hackers, phishing schemes, worms, viruses, Trojans and a host of other perils that threaten your digital well being and credit history. One of your blog or twitter followers might be looking for bits of information about you so that your credit history can be compromised, or perhaps to determine an opportune time to rob you.
Your credit history can be compromised in myriad other ways, as well - anytime you disclose your social security number or other pertinent personal information to a third party you can be at risk.
Fortunately, ID fraud protection can be added to your home, condo, or tenant's policy to give you coverage if you have had your identity compromised. Ask your agent for more information and to add this feature to your policy.