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It is $6.99/month through vzw right?
What is the deductible? What does/doesn't it cover?
Has anyone ever used squaretrade? Its 99.99 for two years of Premium Smartphone Coverage (up to $600.00) Accidental damage claims = $50 deductible.
http://www.squaretrade.com/pages/cellphone-landing3
Any other options out there?
i got it, it is a 100 dollar dectuable for 2 replacements(maybe 2 in a 1 yr timespan)
I think it is worth it so you dont have to shell out 600 dollars for it if you break it
Nope. I do not get insurance. I am on a 1 year contract... no sense in paying the extra $7 per month and a $100 deductible. Pass.
Squaretrade is great. Definitely recommended. Just remember they don't cover loss or theft.
I have used insurance at least twice. I always get it. I have Square trade on my laptop but it takes a few days to get a new phone.
I have never used verizon. The price is 5.00 per month for the insurance and 1.99 for the extended warranty. The deductible is a little bit more than square trade but I know for a fact that assurion will overnight you a new phone ASAP.
Assurion does protect you from loss and theft!
I always buy insurance on my phones through Verizon. It covers almost everything including loss and theft. They don't ask too many questions when submitting a claim. A new phone is shipped next day air.
Sent from my ADR6400L using XDA Premium App
That is true, I forgot this is for a phone where it's mission critical to get a replacement.
Generally it's great if you can live without it for a few days.
Verizon insurance problems:
1. If the water sensor is triggered they wont cover your phone,(aka you enter a moist environment(shower rainstorm ect) and it doesnt break your phone, but your phone dies later for something else and your still not covered)
2. If you Ever have dropped your phone, then they refuse to cover it.
basically your giving them 5-7 a month to be covered against software issues imo.
I'm using best buy coverage, $10 a month anything happens to my phone and i can bring it in for a new one. only thing not covered is theft.
Do Verizon/assurion or squaretrade give you a new phone or refurbished? I had problems with Sprint and their constantly changing policies with my evo. I was sent a refurbished replacement for $35 which was very poor quality, the evo was known for screen separation issues, hairline cracks on the edge of the phone, etc. Sprint sometimes makes people take their phone to a store and wait hours, tried to tell me it was water damaged from 'probably humidity from my pocket' and it was generally unpleasant getting anything repaired or replaced. How does it work for various claims, repairs, etc
Sent from my ADR6400L using XDA App
Silvus said:
Verizon insurance problems:
1. If the water sensor is triggered they wont cover your phone,(aka you enter a moist environment(shower rainstorm ect) and it doesnt break your phone, but your phone dies later for something else and your still not covered)
2. If you Ever have dropped your phone, then they refuse to cover it.
basically your giving them 5-7 a month to be covered against software issues imo.
I'm using best buy coverage, $10 a month anything happens to my phone and i can bring it in for a new one. only thing not covered is theft.
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They cover lost or stolen so why would they care of it was liquid damaged or dropped? I think you may be mixing up insurance and the extended warranty.
Sent from my ADR6400L using XDA App
I have gotten both new and refurbished phones from Asurion. I had one problem with the refurbished, and they sent me back another new one the next day free of charge. If you spend the money to get a thunderbolt, you might as well dish out that 6.99 a month for insurance. They protect against everything and charge a $50 deductible. Well worth it imo as I have used them 3 times with my old Moto Droid. Lol.
As a Verizon Wireless employee I'd like to cover this topic, as there are some COMPLETELY wrong bits of information, particularly the water part.
Insurance is through Asurion, they do the replacements. Standard Wireless Phone Protection (WPP) is now $5.18 per month and covers lost, stolen, or damaged (in any way) phones.
Phones come with a one year warranty which covers manufacturer defects. If your device is having issues like buttons not responding, constant freezing, resets, power issues, glitchy software, etc, we will go through troubleshooting steps to get this fixed. If not, you will get a Certified Like-New Replacement (CLNR). If we don't have any CLNRs available, you will likely get a new phone, or possibly an alternate-like device, these situations are rare and are taken on a case-by-case/phone-by-phone basis.
You can extend the warranty alone for $1.99 a month. This will cover your phone as long as it stays on your account, and as long as it's a warranty issue, of course.
You can get WPP and extended warranty, called Total Equipment Coverage (TEC) for $6.99 a month, so in this case the extended warranty part only adds on $1.81 a month. This will cover you with anything while it's still on your account.
I cannot comment on the claim limit through Asurion. They have their only policies they go by. From my understanding there is a claim limit within a certain time frame and if you reach it, they'll have to remove your coverage eventually. You'll be notified and of course have the monthly cost removed from your bill.
Deductibles just changed, so don't hold me to this but I believe feature phones (lol) are $45 to replace, and smartphones are $99 to replace. There's no additional cost for shipping, and if you get your claim finished before 12am on any day, you'll have it the next day. They're very fast.
While the deductibles went up $5-10 or so, the monthly cost decreased which I feel is better phone most as you likely won't need to use it, so you're spending less in the long run.
As for insurance on my account, it's only on my parents' lines.
Hell no
10char
Silvus said:
Verizon insurance problems:
1. If the water sensor is triggered they wont cover your phone,(aka you enter a moist environment(shower rainstorm ect) and it doesnt break your phone, but your phone dies later for something else and your still not covered)
2. If you Ever have dropped your phone, then they refuse to cover it.
basically your giving them 5-7 a month to be covered against software issues imo.
I'm using best buy coverage, $10 a month anything happens to my phone and i can bring it in for a new one. only thing not covered is theft.
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Click to collapse
The water thing on the thunderbolt is just on the battery though. Unless there is one hidden away inside or something, you could just get a new battery.
I did get the insurance, though I normally don't. Not sure why I did, but if I ever have any sort of problem, I'll be able to get another phone quickly which is nice.
Silvus said:
Verizon insurance problems:
1. If the water sensor is triggered they wont cover your phone,(aka you enter a moist environment(shower rainstorm ect) and it doesnt break your phone, but your phone dies later for something else and your still not covered)
2. If you Ever have dropped your phone, then they refuse to cover it.
basically your giving them 5-7 a month to be covered against software issues imo.
I'm using best buy coverage, $10 a month anything happens to my phone and i can bring it in for a new one. only thing not covered is theft.
Click to expand...
Click to collapse
Unless they have changed their policies recently I think oh are.wrong. my last phone got replaced after it got put in the washer.
I would highly recommend getting a rider policy from your insurance provider. I have a policy that covers my Canon DSLR my bicycle (don't laugh it is worth more than my car), and my phone. This coverage costs me only a few dollars per month and will not effect my homeowners premiums if I need to use it. It does have a $100 deductible, but it is well worth it. They will replace the phone at full retail cost.
Dan
Picolini said:
As a Verizon Wireless employee I'd like to cover this topic, as there are some COMPLETELY wrong bits of information, particularly the water part.
Insurance is through Asurion, they do the replacements. Standard Wireless Phone Protection (WPP) is now $5.18 per month and covers lost, stolen, or damaged (in any way) phones.
Phones come with a one year warranty which covers manufacturer defects. If your device is having issues like buttons not responding, constant freezing, resets, power issues, glitchy software, etc, we will go through troubleshooting steps to get this fixed. If not, you will get a Certified Like-New Replacement (CLNR). If we don't have any CLNRs available, you will likely get a new phone, or possibly an alternate-like device, these situations are rare and are taken on a case-by-case/phone-by-phone basis.
You can extend the warranty alone for $1.99 a month. This will cover your phone as long as it stays on your account, and as long as it's a warranty issue, of course.
You can get WPP and extended warranty, called Total Equipment Coverage (TEC) for $6.99 a month, so in this case the extended warranty part only adds on $1.81 a month. This will cover you with anything while it's still on your account.
I cannot comment on the claim limit through Asurion. They have their only policies they go by. From my understanding there is a claim limit within a certain time frame and if you reach it, they'll have to remove your coverage eventually. You'll be notified and of course have the monthly cost removed from your bill.
Deductibles just changed, so don't hold me to this but I believe feature phones (lol) are $45 to replace, and smartphones are $99 to replace. There's no additional cost for shipping, and if you get your claim finished before 12am on any day, you'll have it the next day. They're very fast.
While the deductibles went up $5-10 or so, the monthly cost decreased which I feel is better phone most as you likely won't need to use it, so you're spending less in the long run.
As for insurance on my account, it's only on my parents' lines.
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So what is the advantage of getting WPP and the extended warranty?
Would pretty much anything that happens to your phone be covered under WPP?
Will the WPP or Extended Warranty cover activation of the new phone?
I'm of the mind that, if it's gonna break (under warranty), it's gonna break within the first few months, cause that's when you beat the hell out of the phone. So for me, especially, extended warranty is pretty much meh.
The insurance for lost / theft though might be actually worth it. I've never lost a phone... I've never dropped a phone... but if, I broke my phone, I'm sure I could lose it pretty damned fast.
For $125 for the length of my contract (monthly fees), plus the potential to replace my phone twice for total of $200, I think it's worth it. Out of pocket if I needed to replace this phone twice in contract would be $325. This thing retails for what, $600?
I'll be picking up the insurance tomorrow
Please correct me if this is the wrong way to look at this. Usually, I don't pick up insurance or extended warranties.
dan0matic said:
I would highly recommend getting a rider policy from your insurance provider. I have a policy that covers my Canon DSLR my bicycle (don't laugh it is worth more than my car), and my phone. This coverage costs me only a few dollars per month and will not effect my homeowners premiums if I need to use it. It does have a $100 deductible, but it is well worth it. They will replace the phone at full retail cost.
Dan
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My bike is worth twice what my car is worth as well. I don't like the phone on home owners though, it shows as a claim and can cause a rate increase.
The insurance seems a little pricey but the first time you drop your phone in the toilet, or wash it in your pants (maybe your wife did it) or your dog eats it, or its in your lap and you get out of the car and it smashes into the pavement, destroying your beautiful screen, and you then you go into Verizon for a replacement, and they want 599.99 plus tax to replace it, you will think that the 5.15 per month (thats roughly 120$ over two years, plus a $99 deductible = 219) wasn't such a bad idea after all.
I mean the price of the insurance is what I would pay for one single drink at a bar on Friday night. I can handle that fee once per month for the peace of mind of knowing that if something bad happens to my expensive phone, I can replace it.
I insure all of my electronics that cost $500 or more.
My wife and I will be looking to renew our unlimited contract and we're going with the rezound. Since replacing these phones (as a result of loss or damage) is becoming increasingly expensive, I'm looking to see which vendor has the best insurance package. Can anyone shed some light on what's available? I don't mind spending an extra $50 for the device (for example Best Buy at $300 vs. Amazon at $250) if the insurance will protect us better.
What insurance has the community gone with to minimize replacement expenses in the case of a lost, stolen or broken device? And please don't say "just don't lose or drop your phone."
Thanks!
JTF2007 said:
My wife and I will be looking to renew our unlimited contract and we're going with the rezound. Since replacing these phones (as a result of loss or damage) is becoming increasingly expensive, I'm looking to see which vendor has the best insurance package. Can anyone shed some light on what's available? I don't mind spending an extra $50 for the device (for example Best Buy at $300 vs. Amazon at $250) if the insurance will protect us better.
What insurance has the community gone with to minimize replacement expenses in the case of a lost, stolen or broken device? And please don't say "just don't lose or drop your phone."
Thanks!
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Click to collapse
I just was doing some research about this also since I was not happy with my experience with Asurion. After looking around I found "Securranty" that insures phones also. Doesn't matter to them where you buy the device. They claimed on the call with me they will still warranty an unlocked phone. The price seemed fair and I couldn't find anything bad about the company while digging around which seemed crazy. Couple things that should be noted is they are fairly new so they just started retailing insurance like 2 years ago. Probably why there isn't much feedback on their service. Also they do have deductibles that should be looked at (the size of the deductible depends on the claim). You can find all that info on their website. I have never used this company before but I am insuring my Rezound through them.
you should look into squaretrade as well.
I know this might not be the most cost effective choice and I'm still open to change but... I use Verizon's full insurance coverage (mostly through Asurion) because if I have mechanical failure, I can just bring it to a Verizon store and get a replacement on the spot (at least that's my understanding).
As for loss/theft, I have to depend on Asurion. I have had one experience with them many years ago and it was fine. Although, I don't know my deductible but I'm sure it's high.
That's my arrangement now.
Best Buy has black tie. Kind of like Asurion but no deductible.
Shahaed said:
Best Buy has black tie. Kind of like Asurion but no deductible.
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What is the monthly payment?
nrfitchett4 said:
you should look into squaretrade as well.
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Ok, I checked Squaretrade. It looks like $124 for two years for any Android phone. That's $5.17/month. I am paying $7/month so that's a $1.84 savings. It pans out to saving about $44 over 2 years.
That's a reasonable savings but ... it says it pays for 100% of repairs. Where do you get a phone repaired? (I hope that's not too stupid of a question)
PaulQ602 said:
Ok, I checked Squaretrade. It looks like $124 for two years for any Android phone. That's $5.17/month. I am paying $7/month so that's a $1.84 savings. It pans out to saving about $44 over 2 years.
That's a reasonable savings but ... it says it pays for 100% of repairs. Where do you get a phone repaired? (I hope that's not too stupid of a question)
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Yea, but it also says 100$ replacement fee, which means if you replace it once, your paying the same for 2 replacements through verizon. So technically you aren't saving any money... just food for thought.
---------- Post added at 01:27 AM ---------- Previous post was at 01:25 AM ----------
Coverage Details
2 years of coverage: The SquareTrade Smartphone warranty covers your Smartphone for up to 2 years, starting on the date of purchase.
Covered Issues: Both accidents (e.g., broken screen or other damage through drops AND liquid damage including full immersion) and out-of-warranty normal use failures (e.g.,hardware failures or malfunctions) are covered. We do not cover loss, theft, willful damage or damage occurring through gross misuse.
Deductible: A $99 Deductible applies to all claims.
Repair or Replacement: Based on what happened to your Smartphone, we will let you know if it's suitable for repair, otherwise we will arrange a replacement option.
Older Smartphone: This coverage is restricted to Smartphones purchased in the last 30 days. Older Smartphones can still be covered through the SquareTrade App.
Our 5-day service guarantee: We will replace OR fix and ship back your Smartphone within 5 business days of receiving it at the depot. If it takes longer, let us know and we'll be happy to refund the cost of your warranty.
Warranty Terms & Conditions
SquareTrade Android Warranties are underwritten by Wesco Insurance Company, an AmTrust Group Insurance Company rated A (Excellent) by A.M. Best.
This is strait from their page. It says they don't cover lost or stolen phones either. I would stay away from them and try with securranty. They seem to be a better deal. Or stay with asurion.
I think that fact that Securranty says they will replace an unlocked phone is a big deal and should be a consideration. I'm not positive but from what I could find the other companies don't say they will do that.
There are a lot of coupons for squaretrade that will save you 30%. Just google it.
drynyks said:
I think that fact that Securranty says they will replace an unlocked phone is a big deal and should be a consideration. I'm not positive but from what I could find the other companies don't say they will do that.
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I think you might be thinking about warranty service, not insurance. I've never had a problem with insurance replacing something that wasn't covered under warranty service(water, physical damage, etc).
I've gotten Square Trade for other items, never had to file a claim, but for phones they barely cover anything and with their deductible I don't think it's worth it at all. I was going to go without rather than get theirs.
I might sign up for Securranty though. I've never actually lost or broken a phone so I'm hesitant to bother with insurance, but considering this is $650 to replace and I only paid a penny I might do it. Looked into Assurion and seems you have to sign up within 30 days from purchase date, I don't remember seeing that at the time of purchase. With Securranty you have up until 90 days before mfr warranty runs out but if you get accidental damage or loss/theft there's a waiting period for that.
Also, you should be able to find a coupon online for Securranty for about 10-15% off if they are still valid and working.
I spoke to Securranty today, and signed up after speaking to them for about 15 minutes. Two years cost me $150, and they gave me a coupon code for 15% off, bringing two years down to 122. They've got an A rating from the Better Business Bureau, and you can cancel anytime. They told me they'll warranty a rooted phone no problem, and showed it to me in writing on their website. As for deductibles, if there's a warranty issue related to hardware, there's no deductible and you get unlimited claims of this type. Plus, if you have 3 of the same claims for the same problem, you're eligible to have it replaced with a different phone. If you damage your phone, or even fully submerse it in water, the deductible is $50, and you are limited to 3 of these a year. If you lose your phone, or it's stolen, the deductible is $145, and you only get one of these, but that's not a problem for me, since I've never lost a phone. Just some information for those interested.
Evo4gLI said:
If you damage your phone, or even fully submerse it in water, the deductible is $50, and you are limited to 3 of these a year.
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According to the Securranty website under their FAQ's>Claims FAQ>How much is my deductible?:
Accidental Damage and Handling claims (ADH): $50
Full Immerision Deductible: $145 <<-- Submerse in water
Loss and Theft claims (LT): $145
I do my business at TCC- The Cellular Connection. They have locations throughout the country so I'm sure there is one near you. Being its a third party store, they set their own prices...often offering a discount on a phone if you buy their insurance , which is $99 for two years....no monthly bill. The deductible for a NEW phone is only $40...promised brand new...when I shattered my DINC's screen, I got a brand new DINC2(*fantasizing about what future 4G HTC phone I will get for 40 bucks in the future ). The insurance covers everything, from water damage, lost/stolen/broken screen. Another thing I like about TCC is I can wheel and deal! lol...go ahead, cut em down on a cell phone case!
They also do price comparisons which is cool...I got the nexus on launch day for $185 after telling them about amazon's price...and when I exchanged the nexus for the rezound, they kept the price and simply sent me on my way with the rezound...no restocking fee either :]
to find a location - http://www.ecellularconnection.com/
not2gutta said:
I do my business at TCC- The Cellular Connection. They have locations throughout the country so I'm sure there is one near you. Being its a third party store, they set their own prices...often offering a discount on a phone if you buy their insurance , which is $99 for two years....no monthly bill. The deductible for a NEW phone is only $40...promised brand new...when I shattered my DINC's screen, I got a brand new DINC2(*fantasizing about what future 4G HTC phone I will get for 40 bucks in the future ). The insurance covers everything, from water damage, lost/stolen/broken screen. Another thing I like about TCC is I can wheel and deal! lol...go ahead, cut em down on a cell phone case!
They also do price comparisons which is cool...I got the nexus on launch day for $185 after telling them about amazon's price...and when I exchanged the nexus for the rezound, they kept the price and simply sent me on my way with the rezound...no restocking fee either :]
to find a location - http://www.ecellularconnection.com/
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I know where a couple of those are around here. I thought they were affiliated with Sprint though. Guess I was wrong. Seems like a good deal though for sure! I might swing in one tomorrow and see what all they offer. It would be nice to switch all 4 of my lines away from Assurion. $400 up front would be nice to cut, especially when I am paying what $6.99 * 4 * 24 = $671. Does it carry over to your next device? I don't plan to have a Rezound in 2014, just saying, lol.
not2gutta said:
I do my business at TCC- The Cellular Connection. They have locations throughout the country so I'm sure there is one near you. Being its a third party store, they set their own prices...often offering a discount on a phone if you buy their insurance , which is $99 for two years....no monthly bill. The deductible for a NEW phone is only $40...promised brand new...when I shattered my DINC's screen, I got a brand new DINC2(*fantasizing about what future 4G HTC phone I will get for 40 bucks in the future ). The insurance covers everything, from water damage, lost/stolen/broken screen. Another thing I like about TCC is I can wheel and deal! lol...go ahead, cut em down on a cell phone case!
They also do price comparisons which is cool...I got the nexus on launch day for $185 after telling them about amazon's price...and when I exchanged the nexus for the rezound, they kept the price and simply sent me on my way with the rezound...no restocking fee either :]
to find a location - http://www.ecellularconnection.com/
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Click to collapse
Hm... they're not in my area. I emailed them to ask if I can get insurance through them.
feralicious said:
Hm... they're not in my area. I emailed them to ask if I can get insurance through them.
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Not in Phoenix either. :-(
...Sent from my Tab
Crazy, there are 6 stores in South Bend/Mishawaka alone, lol.
I work for best buy mobile and can give you some information on our insurance. Gonna give you the good and the bad since no insurance is perfect.
-$9.99 a month
-No deductible ever
-Unilimited number of claims
-Loaner phone issued when phone is out to service
-Covers the battery, physical, water damage and wear and tear.
-Does not cover cosmetic damage (things that don't affect the functionality of the phone, like scuffs or scratches on the device)
2 options when your phone is broken:
A) Do what is called "Rapid Exchange" where a replacement phone is sent. This replacement phone can be a new one, a refurbished one, or a phone another customer returned because they didn't like it, it gave them issues, etc. There is absolutely no way to tell what kind of phone you will get. Your replacement phone arrives within 4 business days, 98% of the time. 9 out of 10 times, the replacement phone has no issues and you can't even tell it's refurbished. But I have seen bad phones come back.
B) You can ask for your phone to be repaired. This can take anywhere from 2-5 weeks, but the good thing is you will get your phone back, not a replacement phone. Keep in mind you do have a loaner phone during this time, but there is no guarantee this phone will even be a smartphone.
Since there is no deductible, Best Buy doesn't cover loss or theft, you have to be able to bring the phone into the store. Also, technically speaking and according to the legal terms and conditions, it is possible for a phone to be "too damaged" to be accepted under the insurance. The definition of "too damaged" depends on who's working and what mood they're in. Also, most best buys won't accept your phone if it's obviously rooted (i.e. de-sensed). Try to restore it before taking it in. Those are my 2 cents, PM with any specific questions.
It is amazing to me that we are on the verge of commercially available flexible tv, tablet,computer screens but no one can produce a phone screen that can withstand a two foot drop. Luckily I had best buy insurance and they are sending me a brand new phone since they have not been out long enough for refurbished ones.
Is there a deductible for best buy insurance?
kakepner said:
It is amazing to me that we are on the verge of commercially available flexible tv, tablet,computer screens but no one can produce a phone screen that can withstand a two foot drop. Luckily I had best buy insurance and they are sending me a brand new phone since they have not been out long enough for refurbished ones.
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Because TVs and Computer screens don't have digitizers.
chococrazy said:
Is there a deductible for best buy insurance?
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Click to collapse
Yes, $100 or so I believe.
Edit: I've been corrected, no deductable.
chococrazy said:
Is there a deductible for best buy insurance?
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Click to collapse
Nope
Sent from my EVO using XDA
No deductible. Just 10/month covers everything but full submersion
Dan_ said:
Because TVs and Computer screens don't have digitizers.
Yes, $100 or so I believe.
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Click to collapse
There is no deductible, I work there.
Sent from my EVO using xda premium
chococrazy said:
Is there a deductible for best buy insurance?
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Click to collapse
At least you did it early on(new!) and have BB insurance. Thats the main reason I went with them is the NO deductible unlike Sprints ****astic insurance.
Wow no deductable? That's a good deal.
Dan_ said:
Wow no deductable? That's a good deal.
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Click to collapse
Yeah and if you buy out the program for the whole two years you only pay 169. Comes to 7 bucks a month with no deductible and unlimited fark ups...cant beat it. Sucks that a 2 foot drop shatters the face. I dropped my og evo right after it came out off a counter face first on tile floor and it didnt even scratch.
Best Buy insurance on the surface seems great but if your phone is lost or stolen they don't cover it. To me that is a deal breaker. I've had phones stolen or even cracked the screen and just filed and insurance claim and used the cracked phone as a developer device not the greatest thing to do but hell I paid for the phone and insurance every month so whatever. I will keep my sprint insurance. They cover everything best buy does without a deductible besides water damage and a cracked screen.
youngbreed said:
Best Buy insurance on the surface seems great but if your phone is lost or stolen they don't cover it. To me that is a deal breaker. I've had phones stolen or even cracked the screen and just filed and insurance claim and used the cracked phone as a developer device not the greatest thing to do but hell I paid for the phone and insurance every month so whatever. I will keep my sprint insurance. They cover everything best buy does without a deductible besides water damage and a cracked screen.
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Sprint doesnt have a deductible?? Thought they raped EVO lte owners with a 150 deductible now and 11 a month??
youngbreed said:
Best Buy insurance on the surface seems great but if your phone is lost or stolen they don't cover it. To me that is a deal breaker. I've had phones stolen or even cracked the screen and just filed and insurance claim and used the cracked phone as a developer device not the greatest thing to do but hell I paid for the phone and insurance every month so whatever. I will keep my sprint insurance. They cover everything best buy does without a deductible besides water damage and a cracked screen.
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How did you keep the phone....you're suppose to send it back unless it's loss or stolen otherwise it's insurance fraud... contributing to the increase in deductibles for everyone else... The deductible is currently $100 but increases to $150 soon...check my thread on my asurion claim
Sent from my EVO using XDA
From what i remember when I had to get a replacement, there was a $150 deductable on top of the monthly fee to get mine replaced.
chococrazy said:
How did you keep the phone....you're suppose to send it back unless it's loss or stolen otherwise it's insurance fraud... contributing to the increase in deductibles for everyone else... The deductible is currently $100 but increases to $150 soon...check my thread on my asurion claim
Sent from my EVO using XDA
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Yes you are correct let's drop the fraud talk tho pls. Just cause everyone always gets their panties in a bunch when it comes to that
chumphrey78 said:
From what i remember when I had to get a replacement, there was a $150 deductable on top of the monthly fee to get mine replaced.
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It shouldn't have been 150 as those prices haven't taken effect yet
Sent from my EVO using xda premium
Came here to see if there were any posts saying "B-b-b-but it has Gorilla Glass!!1!
Thankfully none yet. I have Sprint's TEP which for now is $8 a month but will be increasing to $11. It covers pretty much anything including water damage as I dropped my 3D in a bath while in an Ambien induced haze. Just paid $100 deductible and actually got a brand new phone, still had Hboot 1.40 thankfully since 1.50 was not downgradeable at the time
ckoadiyn said:
It shouldn't have been 150 as those prices haven't taken effect yet
Sent from my EVO using xda premium
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I think they take effect in four days. $11/mth and $150 deductible on a $549 phone seems kinda expensive for a refurb that probably has issues as well. That's why I am debating between Best Buy's service plan and Sprint's. I've never lost a phone or had one stolen either. I just think after 10 months of Sprint's service, you would have paid $260. The question is can you find a used Evo LTE for less than that? I think so.
Also, I like that BB tries to fix your phone...so, you don't get refurb issues.
ckoadiyn said:
Yes you are correct let's drop the fraud talk tho pls. Just cause everyone always gets their panties in a bunch when it comes to that
It shouldn't have been 150 as those prices haven't taken effect yet
Sent from my EVO using xda premium
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Why do we have to drop the fraud talk? It is fraud. I don't care if people get their panties in a bunch... It is stealing, defrauding, and lying.
Having said that. I use the Sprint insurance. I like having a "new" device NDAd to me. Saves me a lot of hassle with employees losing and or damaging their phones.
makavelisk said:
Sprint doesnt have a deductible?? Thought they raped EVO lte owners with a 150 deductible now and 11 a month??
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Click to collapse
That is true!! For that very reason I dumped Sprints TEP....
So many of these threads started, and 99% of the people who create them will not take responsibility for their actions. Do they really need to make an idiot-proof phone? If you can't take responsibility for your actions of dropping the phone (whatever the distance if it's a foot or 150 feet), you shouldn't make threads complaining that they're too easy to break. Can we lock this thread?
Best Buy insurance sounds nice but after the ordeal my girlfriend went through with them, and other horror stories I've read kept me far away...
Her phone screen broke (Epic 4G) and I finally convinced her to bring it in since she was paying insurance for it anyway. Well they had it for TWO MONTHS, and after frequent calls and instore visits (where they basically told her to F off) they finally got her a new device. Oh, and they gave her a refurb which had a loose screen with a lopsided bezel. The screen started acting up and wouldnt respond to touch and got weird colors within a week. They also lost the battery cover to her phone and they wanted her to pay for it (BB eventually replaced it). Thankfully the second refurb they gave her was fine and she dropped their coverage.
So here is the scenario:
last year i upgraded from the EVO 4g to the EVO 3D. with in the thirty days my phone had weird software issues so i got a brand new replacement for free through the store after talking with a sprint rep. two weeks after that i dropped the phone and the outer metal ring bent. i lived with it until about 2 months ago when i took it off completely. a month after that the phone refused to charge using a regular charger i had to connect wires to the battery and charge it that way.
i went into the store and told the sales lady it wouldn't charge she looked at the phone and said for me to call insurance to get a new phone because even though my issue was unrelated to the missing ring my phone was too badly damaged for her to touch it. (this is the same store where a year and a half ago i went to after i accidentally ran my phone over with my car "dont ask", they replaced it for free then.)
After the store visit i called sprint and spoke to one of their representatives and they sent me out a new phone for free. i noticed that the ring has a different design (i wonder why) but i have had this phone for 2 weeks and was about to go back to store because its a referb, the touch screen sucks and the bottom lights don't illuminate sometimes. right before i was going to bring it in for replacement it got wet and now im told they cant even open it for me so i can dry it off. the phone didn't turn on yesterday, today its okay. but i know i need a new touch screen at the very least as i can see layers of water in it.
to the question:
if i replaced the water indicators
1. the one on the battery
2. the one on the upper right hand corner
would they have to replace a phone that is visibly damaged by water even though the indicators don't show it? or could they just say no based upon what they see?
i know what i would be doing is morally and ethically wrong but i really do not care. so you can save your flaming for someone else.
if this doesn't work im going to have to replace the lcd screen my self.
First, good luck replacing the water sensors. Second, yes, they can still tell there was water even if you could replace the sensors. The board will show visible signs of water damage.
i know what i would be doing is morally and ethically wrong but i really do not care.
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It IS wrong. Water damage is not a hardware defect, and it not covered under the warranty. That's something YOU did to your phone, Sprint should not have to fit the bill to fix YOUR problem. That's what insurance is for. It's people like you that make everyone's rates go up.
alright thanks i'm going to replace the screen and what not myself, not because of what i am doing is wrong (i'm replacing the liquid damage indicators too) but i haven't taken a phone apart in a while and i'm looking for a challenge + it's cheaper for me to do that than claim insurance if they decided to check further than just looking at the indicators which they don't most of the time.
randomjon said:
alright thanks i'm going to replace the screen and what not myself, not because of what i am doing is wrong (i'm replacing the liquid damage indicators too) but i haven't taken a phone apart in a while and i'm looking for a challenge + it's cheaper for me to do that than claim insurance if they decided to check further than just looking at the indicators which they don't most of the time.
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Up here in the great white north ( Canada ) we don't have insurance available for our devices, replacement phones yah right, if you need a loner phone you pay $100, the only coverage we have is if the phone breaks itself, so count yourself lucky if you got 2 free phones:beer::beer::beer::beer:
Sent from my HTC EVO 3D X515m using xda premium
flashallthetime said:
Up here in the great white north ( Canada ) we don't have insurance available for our devices, replacement phones yah right, if you need a loner phone you pay $100, the only coverage we have is if the phone breaks itself, so count yourself lucky if you got 2 free phones:beer::beer::beer::beer:
Sent from my HTC EVO 3D X515m using xda premium
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Not when you factor in that you pay an additional 96 bucks a year just to have the coverage plus a hundred dollar deductible and a maximum of 3 claims a year. Just to replace a phone we can pay 125 for used off craigslist
p3tr0s said:
Not when you factor in that you pay an additional 96 bucks a year just to have the coverage plus a hundred dollar deductible and a maximum of 3 claims a year. Just to replace a phone we can pay 125 for used off craigslist
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Ok I would be happy to pay 96 bucks for coverage, if I break my phone well what our providers do is count how many months you have left on you contract, which is normal 3 years, and they want about 20 bucks for each month left on your contract plus the cost of a new phone, average cost $ 900 . They bend us over up here and give it to us really good, that's why we all whimper up here.
This threads title: "Is it possible to Defraud my insurance"
Really bro?
flashallthetime said:
Ok I would be happy to pay 96 bucks for coverage, if I break my phone well what our providers do is count how many months you have left on you contract, which is normal 3 years, and they want about 20 bucks for each month left on your contract plus the cost of a new phone, average cost $ 900 . They bend us over up here and give it to us really good, that's why we all whimper up here.
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Click to collapse
You can't buy one used? Thats why I use Craigslist... I can get a used 3d for like 125-150. Granted our prices are probably a lower on the used market as well. Plus our contracts are only 2 years....
xblackvalorx said:
This threads title: "Is it possible to Defraud my insurance"
Really bro?
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Click to collapse
NOT REALLY BRO. water damage is covered under insurance, i'm trying to avoid making a claim to the insurance altogether. i don't want to pay them 100 bucks for a new phone, the only reason i pay for the insurance is for sprint to fix the phone when it breaks or if it is stolen. which has never been a problem before. i want to know under what circumstances will sprint replace a phone with water damage for free.
I know when i was with Verizon i got a free replacement with a water damaged phone because the damage to the phone was the physical charging port not connecting with the motherboard, and i proved that humidity could have caused the water damage indicators to show that the phone was water damaged. i had to argue for a while but it beats buying a new phone.
the point now is moot, seeing as how i'm going to fix the issue myself.
sucks about Canada though sorry to hear that.
i'm paying 96 dollars a year i should be entitled to a free replacement of the phone. or the company could set up insurance tiers, like car insurance. where you can eliminate your deductible but pay a little more per month for the insurance. i know i'm comparing apple to oranges but that's just my two cents.
p3tr0s said:
You can't buy one used? Thats why I use Craigslist... I can get a used 3d for like 125-150. Granted our prices are probably a lower on the used market as well. Plus our contracts are only 2 years....
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Craiglist or kijiji but again people will sell a used phone for $250, everything is more expensive up here, smaller population even though our dollar is at par.
Sent from my HTC EVO 3D X515m using xda premium
flashallthetime said:
Craiglist or kijiji but again people will sell a used phone for $250, everything is more expensive up here, smaller population even though our dollar is at par.
Sent from my HTC EVO 3D X515m using xda premium
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Yeah but you have free healthcare and cleaner air. Not to mention lower population density and your Mounties are waaaaay cooler than our police.
randomjon said:
NOT REALLY BRO. water damage is covered under insurance, i'm trying to avoid making a claim to the insurance altogether. i don't want to pay them 100 bucks for a new phone, the only reason i pay for the insurance is for sprint to fix the phone when it breaks or if it is stolen. which has never been a problem before. i want to know under what circumstances will sprint replace a phone with water damage for free.
I know when i was with Verizon i got a free replacement with a water damaged phone because the damage to the phone was the physical charging port not connecting with the motherboard, and i proved that humidity could have caused the water damage indicators to show that the phone was water damaged. i had to argue for a while but it beats buying a new phone.
the point now is moot, seeing as how i'm going to fix the issue myself.
sucks about Canada though sorry to hear that.
i'm paying 96 dollars a year i should be entitled to a free replacement of the phone. or the company could set up insurance tiers, like car insurance. where you can eliminate your deductible but pay a little more per month for the insurance. i know i'm comparing apple to oranges but that's just my two cents.
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Click to collapse
To answer your question, Sprint Will NOT replace a phone that is liquid damage.
Since you dont know how insurance works heres a brief breakdown.
You pay for your insurance and it allows the local sprint stores to
NOT CHARGE YOU to replace a device under manufacturers warranty.
Lost, Damaged, Stolen, Water are all covered by Asurion and you have to pay a deductible to have the device replaced.
I agree with several of these other people who have replied, your looking for a way to defraud Sprint and the Insurance company.
Take some responsibility, you got the phone wet, deal with it the right way and file a claim and pay the deductible.
Wish i worked for sprint so i could flag your account.
I do work for sprint, and saying because you pay 96 a year your "entitled" for a free phone?
Insurance has NEVER worked that way for smart phones. You pay your deductible as you were told when you pay for the insurance protection.
If you don't like it, don't pay an extra 100 a year.
IAmSixNine said:
To answer your question, Sprint Will NOT replace a phone that is liquid damage.
Since you dont know how insurance works heres a brief breakdown.
You pay for your insurance and it allows the local sprint stores to
NOT CHARGE YOU to replace a device under manufacturers warranty.
Lost, Damaged, Stolen, Water are all covered by Asurion and you have to pay a deductible to have the device replaced.
I agree with several of these other people who have replied, your looking for a way to defraud Sprint and the Insurance company.
Take some responsibility, you got the phone wet, deal with it the right way and file a claim and pay the deductible.
Wish i worked for sprint so i could flag your account.
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Click to collapse
i'm aware of how the insurance works. again i wouldn't be defrauding the insurance because there would be no claim to insurance. i would be defrauding sprint. but again the point is moot i'm going with the cheaper option and repairing it myself.
scariola said:
I do work for sprint, and saying because you pay 96 a year your "entitled" for a free phone?
Insurance has NEVER worked that way for smart phones. You pay your deductible as you were told when you pay for the insurance protection.
If you don't like it, don't pay an extra 100 a year.
Click to expand...
Click to collapse
I'm pretty sure the only reason he was looking to "defraud" sprint was because they sent him a faulty refurb with a bad screen in the first place... It just sucks because he dropped in in water before he could take it back in. Phone still works but the screen is even more messed up now.
randomjon said:
i'm aware of how the insurance works. again i wouldn't be defrauding the insurance because there would be no claim to insurance. i would be defrauding sprint. but again the point is moot i'm going with the cheaper option and repairing it myself.
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Click to collapse
You don't know how your insurance works. The Sprint store is part of the insurance. The stuff that sprint takes care of are general warranty issues. Whose warranty is it? HTCs. Part of your 8 bucks goes to asurion to insure against loss, theft, damage, water... the other part goes to sprint to pay for the service they provide you by not making you send your warranty issue phone to HTC for repair. So by trying to claim that this is a warranty issue you are, in fact, defrauding your insurance.
Take some personal responsibility for your actions.
Drachen808 said:
You don't know how your insurance works. The Sprint store is part of the insurance. The stuff that sprint takes care of are general warranty issues. Whose warranty is it? HTCs. Part of your 8 bucks goes to asurion to insure against loss, theft, damage, water... the other part goes to sprint to pay for the service they provide you by not making you send your warranty issue phone to HTC for repair. So by trying to claim that this is a warranty issue you are, in fact, defrauding your insurance.
Take some personal responsibility for your actions.
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I used to sell phones for sprint, i am aware of how the insurance works.
Refer to the post above yours he basically described my situation in a nut shell.
I had issues with the touch screen's sensitivity and buttons along the bottom not illuminating prior to the water damage.
Water Damage.. no problem.. major physical damage, big problem
I can almost guarantee Sprint would replace a water damaged phone given you replace the indicators. I live on the water and I have defrauded rogers on multiple occasions (dont care, i would gladly burn the place dont and not feel an once of remorse for those wallet gougers)... But unhidable physical damage will never fly in tier eyes.. yourr screwed.. use the insurance you pay for and take it easy on your poor phones
I can almost guarantee Sprint would replace a water damaged phone given you replace the indicators
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Again, if the board is water damaged, there are many signs that a tech can tell it has been exposed.
My two cents. Sprint is horrible to their customers, asurion is a joke. The phones they send are almost always broken very soon after you get them and being without a phone while they decide whether the poop phone they sent you is poop, is even worse. Yes what he's doing is wrong but more power to him.
Sent from my PG86100 using xda app-developers app
Dropped it already.. fml
Sent from my HTC6435LVW using Tapatalk 2
Did you get insurance?
Yeah but the deductable blows... Wife wasn't feelin me spendin to buy it in the first place,now another 100 2 days later.
Doghouse status..Lol
Think I'm getting a new one? Doubt they have refurbs this soon...no?
Sent from my HTC6435LVW using Tapatalk 2
Oldsteel68 said:
Yeah but the deductable blows... Wife wasn't feelin me spendin to buy it in the first place,now another 100 2 days later.
Doghouse status..Lol
Think I'm getting a new one? Doubt they have refurbs this soon...no?
Sent from my HTC6435LVW using Tapatalk 2
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Click to collapse
They will if you send yours back. That's a bummer man. Mine just fell out of my pocket, so I had a little heart attack. Thank God for soft carpets though.
djak250 said:
They will if you send yours back. That's a bummer man. Mine just fell out of my pocket, so I had a little heart attack. Thank God for soft carpets though.
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I mean think my replacement will be new or refurb?
Sent from my HTC6435LVW using Tapatalk 2
Oldsteel68 said:
I mean think my replacement will be new or refurb?
Sent from my HTC6435LVW using Tapatalk 2
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Click to collapse
It hasn't been out long enough to be a refurb.
adrynalyne said:
It hasn't been out long enough to be a refurb.
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Click to collapse
That's what I was thinkin too. Sweet.
Sent from my HTC6435LVW using Tapatalk 2
Is it posible to get a photo from your device? Sorry for the disease , but am planning to get this DNA
Oldsteel68 said:
Yeah but the deductable blows... Wife wasn't feelin me spendin to buy it in the first place,now another 100 2 days later.
Doghouse status..Lol
Think I'm getting a new one? Doubt they have refurbs this soon...no?
Sent from my HTC6435LVW using Tapatalk 2
Click to expand...
Click to collapse
They have to give you a brand new unit the first 30 days after owning the purchase. After that, you'll get a Refurb.
Oldsteel68 said:
That's what I was thinkin too. Sweet.
Sent from my HTC6435LVW using Tapatalk 2
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Click to collapse
Of course, that can be a bane too. I've seen Assurion make my mom wait until refurbs came into stock.
Noooo.. I feel ya bro. Thats my worst nightmare. My poor poor GNex was put through the ringer, last thing I wanna do is see cracks on this screen.
Maybe its a blessing because this ones been having an issue with WiFi 4g handoff.
Sent from my HTC6435LVW using Tapatalk 2
Did you purchase it with a credit card? Amex has 90 day accidental damage protection. Some Visas and Mastercards also offer accidental damage protection. Might at least cover the deductible.
Sent from my Nexus 7 using xda app-developers app
xenakis said:
Did you purchase it with a credit card? Amex has 90 day accidental damage protection. Some Visas and Mastercards also offer accidental damage protection. Might at least cover the deductible.
Sent from my Nexus 7 using xda app-developers app
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Click to collapse
Yeah visa. Awesome thanks for the tip. Will look into that.
Sent from my HTC6435LVW using Tapatalk 2
and this is exactly why I bought the bestbuy insurance, and not verizons. It cost $1 more, and you just bring in any part of your phone no matter how damaged it is, and they will take it, and ship one to you next-day air, for no extra cost or any kind of deductible. It covers EVERYTHING, even if it was your fault, they take it back, no questions asked. I highly recommend it. I cracked the screen on my gnex. I walked into the store, they don't even power on the device, they just pull out the battery and sim for you to keep, have you sign a form, and you will have your new phone in 1-2 days. Maybe if its new enough or popular enough they might just swap it out in the store, but im not sure about that.
rhettnis said:
and this is exactly why I bought the bestbuy insurance, and not verizons. It cost $1 more, and you just bring in any part of your phone no matter how damaged it is, and they will take it, and ship one to you next-day air, for no extra cost or any kind of deductible. It covers EVERYTHING, even if it was your fault, they take it back, no questions asked. I highly recommend it. I cracked the screen on my gnex. I walked into the store, they don't even power on the device, they just pull out the battery and sim for you to keep, have you sign a form, and you will have your new phone in 1-2 days. Maybe if its new enough or popular enough they might just swap it out in the store, but im not sure about that.
Click to expand...
Click to collapse
LOL, did they sell it to you as next day fed-ex? They lied!
Try 2-5 business days. I know, I have used Black Tie for two phones now.
If they don't have refurbs available, it can take even longer.
Thunderbolt took 30 days due to them screwing up.
Gnex # 1 took 4 days due to no refurbs available.
Gnex # 2 remains to be seen. I turned it in on Saturday.
They both have their advantages and disadvantages.
Black Tie costs more than Assurion by 2 dollars a month but has no deductible and does not limit returns. Assurion limits to two claims a year.
Black Tie does not cover theft or loss, while Assurion does.
Black Tie typically takes 2-5 days for a rapid exchange, but can take up to 30 days. In that case, they give you a new phone. Assurion does next day delivery via FedEx. Typically if refurbs are MIA, they go new. However they too can delay shipping if no refurbs are available (never had it happen by my mom did). You can also choose to be sent a different device instead of waiting for the replacements to come back in stock.
Assurion phones retain a warranty, whereas Black Tie refurbs do not (their words, not mine).
Black Tie is good for one year tops, whereas Assurion is tied to line and keeps going, and going, and going and...
rhettnis said:
and this is exactly why I bought the bestbuy insurance, and not verizons. It cost $1 more, and you just bring in any part of your phone no matter how damaged it is, and they will take it, and ship one to you next-day air, for no extra cost or any kind of deductible. It covers EVERYTHING, even if it was your fault, they take it back, no questions asked. I highly recommend it. I cracked the screen on my gnex. I walked into the store, they don't even power on the device, they just pull out the battery and sim for you to keep, have you sign a form, and you will have your new phone in 1-2 days. Maybe if its new enough or popular enough they might just swap it out in the store, but im not sure about that.
Click to expand...
Click to collapse
Crap I wish I knew this Saturday. ..
Sent from my HTC6435LVW using Tapatalk 2
adrynalyne said:
LOL, did they sell it to you as next day fed-ex? They lied!
Try 2-5 business days. I know, I have used Black Tie for two phones now.
If they don't have refurbs available, it can take even longer.
Thunderbolt took 30 days due to them screwing up.
Gnex # 1 took 4 days due to no refurbs available.
Gnex # 2 remains to be seen. I turned it in on Saturday.
They both have their advantages and disadvantages.
Black Tie costs more than Assurion by 2 dollars a month but has no deductible and does not limit returns. Assurion limits to two claims a year.
Black Tie does not cover theft or loss, while Assurion does.
Black Tie typically takes 2-5 days for a rapid exchange, but can take up to 30 days. In that case, they give you a new phone. Assurion does next day delivery via FedEx. Typically if refurbs are MIA, they go new. However they too can delay shipping if no refurbs are available (never had it happen by my mom did). You can also choose to be sent a different device instead of waiting for the replacements to come back in stock.
Assurion phones retain a warranty, whereas Black Tie refurbs do not (their words, not mine).
Black Tie is good for one year tops, whereas Assurion is tied to line and keeps going, and going, and going and...
Click to expand...
Click to collapse
This so much. I worked at Best Buy for years.
Their selling point is that it's "so quick", It's UPS ground from their 3rd party refurb company which at least used to be in Texas.
So it's 2-5 BUSINESS days.
And man if I had counted how many refurbs came back not working. My own phone went out 3 times (2 times because their refurbs had non functioning parts), my sister's iPhone went out from water damage, came back missing pixels. How does their quality check miss such things?
Best Buy tries to give you a "loaner phone" that they tout, what they don't tell you? It's $50 refundable deposit for a "feature phone", or $100 for a smartphone. What's worse? If you have unlimited, you have to go for their half destroyed "smart"phones circa 2008 LG. Probably won't come with a charger or they'll accuse you of keeping it and make you purchase a new one at around 60% markup to 'replace the one you stole', even if they clearly knew the loaner never had one to begin with. And that was working at a "more honest" Best Buy.
Your phone is shipped in a little box with barely any protective covering, if any sometimes. The usual packaging? Cardboard with tight plastic holding it in place. Would you treat your electronics like this? Well Best Buy does.
Assurion covers loss and theft. Yes you pay $100 deductible, but better than paying $599.99 + tax to replace a (ie: ) 2 mo old phone.
Assurion has true next day (my girlfriend after having her phone stolen, had a refurb literally next day, even on a weekend).
edit: typo fixes
afipanic said:
This so much. I worked at Best Buy for years.
Their selling point is that it's "so quick", It's UPS ground from their 3rd party refurb company which at least used to be in Texas.
So it's 2-5 BUSINESS days.
And man if I had counted how many refurbs came back not working. My own phone went out 3 times (2 times because their refurbs had non functioning parts), my sister's iPhone went out from water damage, came back missing pixels. How does their quality check miss such things?
Best Buy tries to give you a "loaner phone" that they tout, what they don't tell you? It's $50 refundable deposit for a "feature phone", or $100 for a smartphone. What's worse? If you have unlimited, you have to go for their half destroyed "smart"phones circa 2008 LG. Probably won't come with a charger or they'll accuse you of keeping it and make you purchase a new one at around 60% markup to 'replace the one you stole", even if they clearly knew the loaner never had one to begin with. And that was working at "more honest" Best Buy.
It's shipped in a little box with barely any protective covering, if any sometimes. The usual packaing? Cardboard with tight plastic holding it in place. Would you treat your electronics like this? Well Best Buy does.
Assurion covers loss and theft. Yes you pay $100 deductible, but better than paying $599.99 + tax to replace a (ie 2 mo old phone.
Assurion has true next day (my girlfriend agter having her phone stolen, had a refurb literally next day, even on a weekend).
Click to expand...
Click to collapse
Oh man. I forgot about the loaner phones! They tried to get me with this tiny LG Vortex for my Thunderbolt, and again for my Galaxy Nexus. I was sooo angry. I ended up getting a Thunderbolt loaner (with no deposit) back when the Thunderbolt fiasco happened, but that was because they dropped the ball, and I made a huge stink with corporate. I didn't even bother with the Gnex. Better to go phone-less than be stuck with that junk.
I remember seeing them unpacking my first Gnex replacement too. Just like you said, plastic wrapping on cardboard.
well this makes a good case for people getting a case lol