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Identity Theft

Identity theft is a serious crime and no matter how careful you are, you may still be a victim. Recovery takes time and money to repair the damage to your name, credit, and finances. What would you do if you were a victim of identity theft?

Relax! RAM Mutual is Your Partner in Protection.

If you're a victim, call RAM Mutual at 218-879-3321 and we will handle any identity-theft related reimbursement claims. If you need assistance restoring your identity, we will connect you with the CyberScout® Resolution Center where you will be appointed a highly experienced fraud specialist who will guide you through the resolution process.


Stay educated. The best defense against identity theft is awareness. Visit our educational web site where you'll find up-to-the-minute threat alerts, in-depth articles and other useful resources.


RAM Mutual's Identity Protection Program provides you peace of mind with reimbursement coverage and comprehensive expert resolution services - at no additional cost to you! The program includes:

  • $5,000 coverage for expenses incurred due to identity theft. (Higher limits of coverage are available at an additional cost).
    • Covered costs include the cost to replace documents, research fees, and attorney's fees incurred in defending lawsuits brought by financial institutions and creditors.

Identity Theft Resolution and Identity Management Services

If you have an identity compromise, we will work with CyberScout® who will assign a personal advocate to assist you in working with law enforcement agencies, credit providers and government agencies for a resolution. CyberScout® uses proactive tools to assist in the process, including helping you obtain credit alerts, as well as credit and fraud monitoring. They will also assist in helping you to replace lost documents and proofs of identity, such as a drivers license, social security card, birth certificate and more. A full year of active follow-up to evaluate resolution effectiveness is included.


For more information concerning this valuable program, click here for details.