Forms

DEFINITIONS

With respect to the provisions of this endorsement ony, the following definitins are added:

1. "Identity fraud" means the act of knowingly transferring or using, without lawful authority, a means of identification of an insured with the intent to commit, or to aid or abet another to commit, any unlawful activity that constitutes a violation of federal law or a felony under any applicable state or local law.

2. "Expenses" means:
a. Costs for notarizing affidavits or similar documents attesting to fraud required by financial institutions or similar credit grantors or credit agencies.
b. Costs for certified mail to law enforcement agencies, credit agencies, financial institutions or similar credit grantors.
c. Lost income resulting from time taken off work to complete fraud affidavits, meet with or talk to law enforcement agencies, credit agencies and/or legal counsel, up to a maximum payment of $200 per day. Total payment for lost income is not to exceed $2,500.
d. Loan application fees for re-applying for a loan or loans when the original application is rejected solely because the lender received incorrect credit information.
e. Reasonable attorney fees incurred as a result of identity fraud to:
(1) Defend lawsuits brought against an insured by merchants, financial institutions or their collection agencies;
(2) Remove any criminal or civil judgments wrongly entered against an insured; and
(3) Challenge the accuracy or completeness of any information in a consumer credit report.

f. Charges incurred for long distance telephone calls to merchants, law enforcement agencies, financial institutions or similar credit grantors, or credit agencies to report or discuss an actual identity fraud.

The following Additional Coverage is added under Section I:

IDENTITY FRAUD EXPENSE

We will pay up to $10,000 for expenses incurred by an insured as the direct result of any one identity fraud first discovered or learned of during the policy period.

Any act or series of acts committed by one or more persons, or in which such person or persons are aiding or abetting others against an insured. Is considered to be one identity fraud, even if a series of acts continues into a subsequent policy period.
This coverage is additional insurance.

EXCLUSIONS

The following additional exclusions apply to this coverage:

We do not cover:
1. Loss arising out of or in connection with a business.
2. Expenses incurred due to any fraudulent dishonest or criminal act by an insured or any person aiding or abetting an insured, or by any authorized representative of an insured, whether acting alone or in collusion with others.
3. Loss other than expenses.

SPECIAL DEDUCTIBLE

We will pay only that part of the loss that exceeds $500. No other deductible applies to identity fraud expense coverage.

SECTION I - CONDITION

B. Duties After Loss

The following is added:

Send to us, within 60 days after our request, receipts, bills, or other records that support your claim for expenses under identity fraud coverage.

All other provisions of this policy apply.

AUTO CLUB FAMILY INSURANCE COMPANY

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Secretary	President