Don’t forget to use
your Reward on your
next trip to Costco.
To learn more about our complete suite of Costco services,
click on the “Services” link at Costco.com or call toll-free 1-800-220-6000.
Terms and conditions apply. See “Services” at Costco.com for details. All services are provided by third parties and may not be available in all areas. Services and offers are subject to change without notice.
DON’T LET THE idea that identity theft can’t be
stopped keep you from taking action to mini-
mize your risk. Here are things you can do.
• Don’t carry extra credit cards, Social
Security card, birth certificate or passport.
• Frequently check your credit reports
and public record profile to ensure all of the
information reported is correct.
• Check your financial account statements carefully every month.
• Be selective with whom you provide
with personal information. Only a few organizations, such as government agencies, creditors and utilities providers, may ask. If you’re
unsure why it’s needed, ask.
• Shred records, credit card offers, bank
statements, returned checks and any other
sensitive information before throwing it
away—preferably in a cross-cut shredder.
Request paperless billing whenever possible.
• Use a locked mailbox to send and
• Practice safe password habits (many
people use predictable things such as
“password,” “123456” or “abc123”).
• Beware of “phishing” attempts via
email, phone and social media.
• Never share personal data via email.
For more information on how to help protect your identity through Costco services, go
to Costco.com, click on “Services,” then on
PREMIUM IDENTITY PROTECTION
Simple steps to help
protect your identity
PERSONAL AND BUSINESS CHECKS
At your service
A NEW MyCostco Services guide has hit the
warehouses, and online, just in time to help you
save money on personal and business services
so you have some left over for the holidays.
From the new identity-protection service to
affordable home and auto insurance to the
highly lauded Costco Auto Program (see page
97 for details on a special promotion from GM),
Costco Services has something for everyone.
In addition to showing all the services available, the guide features
timely articles. Get tips on
protecting yourself and your
family from identity theft,
read about five year-end
financial tasks to consider,
and learn how Costco’s
mortgage provider, First
Choice Mortgage Loan
Services, helped a Tennessee
couple save time and money.
Pick up a copy at your local warehouse or
go to Costco.com and click on “Services.”
Costco Services are another great way to save
money by being a Costco member.
PARKING LOTS ARE home to lots of activity in a small amount of space, so it’s easy
to see why accidents happen in them.
Costco service provider Ameriprise Auto &
Home Insurance wants you to know how to
assess fault in the event of an accident to
determine who pays. Here are five cases.
• Two drivers back up into each
other. Both cars are moving, so both drivers are responsible for that movement.
Neither has the right of way. Each is
responsible for checking to be sure it’s safe
to back up. Both drivers will likely share
fault in this situation.
• Pulling forward out of a space, into
the lane of traffic. Both drivers have responsibility. Drivers in the traffic lane have the
right of way, so the driver who pulled out of
the space is likely the majority at fault.
• A driver backs out of a space, into
an oncoming car. The driver in the traffic
lane has the right of way. The driver backing out is responsible for waiting until it is
safe to back out, so he or she will likely be
deemed primarily at fault.
• Two cars vying for the same space
collide. While rushing to get a parking
space, one car collides with another. Both
vehicles were moving, so both drivers have
responsibility. As on a roadway, the driver
making a turn across traffic must yield to
oncoming traffic. The driver turning left into
the parking space is likely the majority at
fault in this accident.
• A car rear-ends another at a stop
sign. The moving vehicle is generally at
fault, whether it occurs in a parking lot or
on the roadway. Drivers are expected to
provide enough distance between their car
and the vehicle in front of them to avoid a
There are some exceptions, but if you’re
involved in a parking lot accident, exchange
insurance information with the driver of the
other vehicle and call your insurance company. Gather contact information from wit-nesses and take photos of the accident.
For more information on Ameriprise
Auto & Home insurance, go to Costco.com
and search “protect.”
AMERIPRISE AUTO & HOME INSURANCE
Five common types of
parking lot accidents