Date: 4/3/2012 4:44:00 AM
From Authorid: 64365
Well, I deep-sixed my cell phone into the toilet a few years ago, and when I tried to get it replaced as I had phone insurance I was told I would have to pay 50.00 right then and they would mail the replacement right out to me. I was a little irked by that because I was paying monthly for phone insurance...never got it again.  |
Date: 4/3/2012 8:14:00 AM
From Authorid: 3680
Phone insurance is crap. Anytime I've had to use it, my phone just happens to be "discontinued" and they give me the previous version. Don't bother with it.  |
Date: 4/3/2012 8:45:00 AM
From Authorid: 63258
The $45 is your insurance deductable, just like any other insurance policy.  |
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Date: 4/3/2012 8:58:00 AM
From Authorid: 64365
when I first signed on for insurance I wasn't told that there would be deductible...in fact, I was told that the phone would be replaced free of charge if I took out the insurance. The 50 was for shipping and handling, and a new activation fee for the phone since the one I drowned was no longer available. I had to choose one of equal or lesser value. It wasn't a smart phone, but for the price of the insurance per month you would have thought it was lined in gold. |
Date: 4/3/2012 10:35:00 AM
From Authorid: 3835
I do not understand the need for a phone that needs insurance in the first place. I just have a simple tracfone. No internet, but it is available to me if desired. I have voicemail, text messaging, call-waiting, speed dial, my choice of certain ring tones, volume control, vibrate mode, and a few other "luxuries"... all that for a ten dollar phone that I just have to buy pre-paid minutes for, that roll over. I have had this phone for nearly 8 years now and it still works fine. I have saved quite a large sum of money with this phone, and still have a way to connect with friends and family when needed... it is just not some fancy phone that I can show off or brag about is all, Lol..   |
Date: 4/3/2012 10:47:00 AM
From Authorid: 64819
His phone isn't that "fancy" but he requires one that can take the abuse.  |
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Date: 4/3/2012 2:48:00 PM
From Authorid: 64819
It's good for $97.00 |
Date: 4/3/2012 4:49:00 PM ( From Author )
From Authorid: 54570
It has been dropped in a pigpen and the little piggies beat and ate it for about thirty minutes one day before I noticed it was gone. All I did was pick it up and wash it in the sink. gave it a good scrubbing. Never shut it off. Thats a tough phone!  |
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Date: 4/3/2012 5:04:00 PM
From Authorid: 64819
On the outside, when it's closed.... |
Date: 4/3/2012 6:33:00 PM
From Authorid: 16916
Souldrifter says I quack like a duck! QUACK!  |
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Date: 4/3/2012 6:49:00 PM
From Authorid: 16916
That is pretty standard (my deductible is 100.00) It's so people don't make excessive claims, I guess. I understand your dilemma, but they won't do anything to help you. You are stuck paying the deductible. I don't believe there are any other insurance companies except the on that the carrier offers (which is Asurion in most cases). The only exception I know of is Apple and instead of purchasing the carrier's insurance, you spend 100.00 for Apple's insurance and it covers everything except if it's lost or stolen. |
