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4. Stolen identities

identity theftThe 2010 Identity Fraud Survey Report released recently by Javelin Strategy & Research found that the number of identity fraud victims in the United States increased 12 percent to 11.1 million adults in 2009, while the total annual fraud amount increased by 12.5 percent to $54 billion. Insurers often offer identify theft insurance as an add-on to home and auto insurance policies.

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