The insurance does not protect you from identity theft â nothing can really do that â and the policy certainly does not cover monetary losses. The NAIC says most policies typically have benefit limits ranging from $10,000 to $15,000.n the other hand, Wood says she pays for a credit monitoring service. An alternative to full-blown identity theft insurance policies, credit monitoring typically cost about $10 per month.
The 18th Amendment established the Prohibition of intoxicating (alcoholic) beverages in the US, but the Volstead Act was necessary to define what the amendment meant by âintoxicatingâ and it gave the government the legal right to enforce the law.
By 1916, over half of the U.S. states already had statutes that prohibited alcohol. In 1919, the 18th Amendment to the U.S. Constitution, which prohibited the sale and manufacture of alcohol, was ratified. It went into effect on January 16, 1920âbeginning the era known as Prohibition. The Volstead Act While it was the 18th Amendment that established Prohibition, it was the Volstead Act (passed on October 28, 1919) that clarified the law.