How to Protect Yourself from Package Theft and ID Fraud
Posted by Hubbard Insurance Agency on
There are several key times each year when people spend time shopping in stores and online for the perfect gifts for their loved ones, or themselves. While it is easy to get caught up in the fun of it all, it is important to remember that with increased purchasing comes heightened risk of theft. Thieves on the prowl throughout the holiday and tax seasons are on the lookout for packages left in your car or outside your home.
Travelers claim data shows that, on average, more thefts occur on Black Friday than any other day of the year. Not only that, but personal identity theft can also increase this time of year. Claim data also shows that theft claims increase in April, likely due to people spending their tax refunds. Whether it is tax season or holiday season, be sure to take the necessary actions to help protect yourself. Follow these steps while checking things off your shopping list.
When having packages delivered to your home, beware of “porch pirating” — when a thief steals delivered packages from your doorstep or porch. Thieves can follow delivery trucks, watching for prime targets. These thieves commonly strike during working hours as many homes are empty at that time. To help avoid this situation, when possible, have your packages delivered to a location where they can be received in person, such as a neighbor’s or relative’s house.
When making a purchase online, if the retailer provides the option, choose a specific delivery time. If purchasing from a larger retailer, consider having your package delivered to a local store for pick-up. Take advantage of delivery alerts so you can be notified when a package arrives at your home. If you are not available to accept delivery, ask a trusted neighbor to take your package inside for safekeeping.
When possible, request the delivery company to hold your package at their closest pick-up facility until you can pick it up. You also can ask the shipper to require a signature confirmation of delivery in order to prevent packages being left when no one is home to sign for them. It also is helpful to provide delivery instructions so packages can be left out of sight from your yard or the road.
Parking Lot Pilfering
Your parked vehicle can be a prime target for thieves. They often will break windows or punch locks to gain access to items left in plain view. Open windows and unlocked doors also can make your car an easy target. To help reduce the risk of theft from your vehicle, always lock your doors, even if you are quickly running in somewhere, and be sure to put the car windows up when leaving it unattended.
Park your vehicle in well-lit, high-traffic areas and away from larger vehicles or shrubs. Thieves can target cars parked in isolated areas in order to “work” without drawing attention.
Do not keep any items — including your purse or wallet — in plain view as clearly visible items can catch the eye of a thief. Be sure to stow and secure all items prior to reaching your destination. Also, be sure to remove any portable accessories, such as GPS units and stereo faceplates, when leaving your car.
Personal ID Theft
About 60% of Americans worry about identity theft, according to the 2014 Travelers Consumer Risk Index, and the holidays are a prime time for thieves to target their victims. To help reduce the chances of falling victim to ID theft, limit the amount of personal information you carry in your wallet or purse to only what you will need for each shopping trip. Always take credit card and ATM receipts with you. Do not throw them into public trash containers or leave them on the counter as thieves can pick up the receipt.
Guard your credit card or debit card when making purchases or using an ATM. Shield your hand when typing in personal identification numbers. It is critical to always be aware of who is around you, as some identity thieves have been known to copy credit card information or even use cellphone cameras to snap pictures of cards.