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IDENTITY THEFT & GAP INSURANCE
IDENTITY THEFT INSURANCE
Identity theft or fraud not only steals who you are, but all that is who you are no longer belongs to JUST you. You can spend countless hours restoring your credit to regain your good name. Identity Theft Insurance will help cover your loss and recover some peace of mind.
When you contact our identity theft hotline; you can expect these actions to take place from our experts in identity theft:
- Assess your situation quickly to determine if fraud has occurred
- Stop damage to your credit within minutes of your authorization by directly contacting major credit bureaus
- Phone calls to required creditor immediately to creditors, banks and agencies
- Assist you in replacing documents including driver’s license, passport, social security card or other ID
- Cash advance in emergencies if theft occurs while away from home (restrictions and limits apply)
- Up to $25,000 in recovery for expense reimbursement with no deductible
- More Identity Theft protection services to save you time money and frustration
GAP INSURANCE
Get valuable protection during the early years of your car's life when you have a loan or a lease. Be prepared if a loss occurs, your GAP insurance will pay the difference between the actual cash value of the vehicle and the current outstanding balance on your loan/lease. Gap Insurance protects your vehicle lease/loan; sometimes paying your regular insurance deductible.
If your vehicle was totaled due to accident, theft, fire, flood, tornado, vandalism, or hurricanes your insurance company typically pays the actual cash value. This may be less than its actual retail value. In may cases considerably less than the actual amount you still owe on your loan or the amount due for a lease payoff.
The amount between your insurance deductible and the loss from this financial shortfall is the “gap” you can be left owing.
TRAVEL INSURANCE
When you are planning your vacation you generally plan where you’ll stay and what you will do. What happens if suddenly you are ill and can’t travel, or the US has forbidden travel to that country temporarily? No matter how well you plan there are some things that are simply out of your control. That's where travel insurance comes in handy; by compensating you for unforeseen emergencies while traveling.
There are several types of travel insurance you might want to consider; depending on your type of trip and your length of stay. The most common Travel Insurance is Trip Cancellation/Interruption coverage.
You may also want to consider travel insurance for medical emergencies. This kind of coverage is useful when you plan to travel to underdeveloped countries, or for individuals with a chronic illness that may require medical attention at some point during the trip.
You may wish to learn more about travel insurance that covers non-refundable tickets in the event your trip has to be cancelled. Some travel insurance plans cover missed connections and flight delays.
PERSONAL UMBRELLA INSURANCE
Protect your assets with an extra layer of insurance; personal umbrella protection.
Most of us try to plan by protecting our cars and homes, but what if something completely unexpected happens that leaves you insufficiently protected? You need an extra layer of protection and a personal umbrella policy can protect your assets if you are in a very serious auto accident or there is a serious accident on your property. Don’t leave yourself exposed; you could be liable for more than your coverage in your home owner’s policy or your auto insurance.
The Rubin Insurance Agency is licensed to sell insurance in MD, DC, VA, PA, DE, WV
Call for claims:
1-800-421-3535
Why the Rubin Agency?
33 years of experience insuring what matters to you most. Choose the Rubin Insurance Agency today!