Insurance on Phone?

Discussion in 'Android General Discussions' started by Fault, Jun 15, 2010.

  1. tgs3838

    tgs3838 Member

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    Hmm weird. Iv dropped phones and had them break and iv used the insurance. But I have it and i wouldnt go without it because im pretty hard on my phone. But my droid has been dropped many times on pavement and even got wet once. And nothing ever happened to it. But whenever i make a claim i never really tell them the whole truth. But i havent had any problems so far doing that. Dont really like to tell white lies or whatever. But if i pay each month. And i gotta pay like 80 deductible then i dont mind doing it. Its insurance. Shouldn't it cover everything?
     
  2. eliassami5

    eliassami5 Member

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    Asurion will cover pretty much anything..even accidental drops. Ive never had insurance with my dumb phones..but with a smart phone it pretty much goes without saying. And for those saying that it costs the same to get a replacement off ebay are just plain stupid. If it costs the same then why not just get the insurance? You are guaranteed a working phone with no BS and with a 90 day warranty from Asurion, unlike an ebay phone where you never know what you are gonna get, and if it turns out that it doesn't work..then what are you gonna do?
     
  3. KungFuGeek

    KungFuGeek Member

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    i still have to go with my state farm personal articles policy. $30 / year, with no deductable. (and it covers other expensive electronics i wanted to insure). Sure I have to wait forever with a check, but I know the check is coming, so I can just go out and buy a brand new droid at full price with no problems. (or buy whatever phone is latest and greatest.
     
  4. dlwhtrose

    dlwhtrose DF Super Moderator Rescue Squad Premium Member

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    Have you actually used your State Farm policy for a phone before??? The reason I ask is that I am with State Farm and my phone got stolen and instead of State Farm cutting me a check for the amount of the phone so that I could get a new one, they cut me a check for the amount I paid for my phone. They called Verizon and found out what I paid for the phone and that is what I got. So, be careful relying on State Farm for the total amount of a new phone.
     
  5. eliassami5

    eliassami5 Member

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    lol good luck with them shelling out for the full price of the phone.
     
  6. KungFuGeek

    KungFuGeek Member

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    I asked them that before i got the phone insured, and I was very specific about the difference between the subsidized pricing and non subsidized. The personal articles policy is for the full replacement cost of the phone (I have it in writing). I also had to bring along documentation to their office about the full retail price of the phone, and the phone itself so they could grab serial numbers and such. I have had one friend that made a claim with state farm about his cell phone, and got the full replacement value with no hassle.

    With what you are saying, i would have fought it until i got what was specified in my contract.
     
  7. dlwhtrose

    dlwhtrose DF Super Moderator Rescue Squad Premium Member

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    Oh I fought even threatened to sue them all to no avail. I too have it in writing in my policy and provided them all the documentation as well (except I could not give them the phone cuz it was gone) but I had the boxes with all the numbers on it and all. Even had a police report to show the theft. State Farm did not care, they still called Verizon and because I paid a reduced amount for the phone State Farm said that was the amount that I truly lost not the full non contract price. I don't know if its a difference within State Farm as I know that policies in different states are handled a little different. This took place in California.
     
  8. KungFuGeek

    KungFuGeek Member

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    I'm in california as well. I suppose i could call up my agent (once i dig out my policy info) and verify, but I don't really wan't to spend the time doing so. I have an available upgrade for my account, so even if they give me what I paid, I'm still not out any money, (just an upgrade). I do know that i was very specific about that point as that would be a reason to use the verizon insurance... although with all the phones on my account, it would still be cheaper to just put that money into a savings account for just in case.
     
  9. eliassami5

    eliassami5 Member

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    ...so instead you would rather add another line onto your account with the upgrade rather than have just gotten the Asurion insurance in the first place? Lol w/e floats your boat. And again..good luck getting the full retail price from State Farm if you ever do need to file a claim.
     
  10. afinalfantasy

    afinalfantasy New Member

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    I've never gotten insurance on my phones until I got my LG ally. I usually just buy a new phone if something happens to mine but If I'm under a contract, I don't see a problem in paying 8 bucks a month and 80 deductible to get it completely replaced. Alot cheaper than buying one flat out new. :greendroid:
     
  11. rokky

    rokky New Member

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    What you have for fallback is also a consideration

    Right now, I have a WinMo XV6800, which replaced a XV6700. The 6700 would be ok as a fallback for the 6800, so I felt no need to insure the 6800 (both were from eBay for about $100).

    Now I just ordered an Ally, and if I like it that much better than the 6800, then I might consider adding the insurance within the 30-day grace period. Aside from liking it well enough to keep it (I tried the Eris 6 months ago, and concluded the negatives outweighed the positives compared to the 6800, so I returned it after about 2 weeks), there will be the added factor of whether I could live without the Ally/Android goodies and "bear" falling back to the 6800 until I could get another subsidized phone with NE2 20 months (or whatever their incentive time allowance is by then).

    Also, in that 20 months a lot of interesting alternative phones should hit eBay and/or Craigslist at around the $100 point. I do not have to have the latest/greatest as long as the feature set is satisfactory. Another option would be getting a SquareTrade warranty - should be about half that $80 replacement fee from Asurion, and no monthly fee.

    We just had that kind of situation with my wife's LG 8350 having a piece of the hinge break off yesterday - not shaky yet, but not something we wanted to risk on upcoming 800-mile trip this weekend. We kept her old Moto v325i, and I just activated that in place of the 8350 after backing up the contacts. The basic way she uses a phone made that an acceptable fallback for her. I had dropped the $5 monthly insurance coverage a few months ago when we agreed the phone was not worth the ongoing cost vs the option of reactivating the v325.

    Decisions, decisions ...
     
  12. Vulcan1600

    Vulcan1600 DF Super Moderator Staff Member Premium Member

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    If you drop your phone and break it, if you accidentally get it wet, if you lose your phone, don't for one second think they'll be covered under the extended warranty. In the 2-1/2 years that I worked for VZW, I never, ever promoted the extended warranty, why you ask? Well, your phone is automatically covered under the manufacturers warranty for the first 12 months you own the phone. The extended warranty covers months 13-24. A warranty issue would be a battery was bad, there was a manufacturers defect that caused your keyboard not to slide out or a glitch that caused your phone to shut down on you. There's many other examples, but the difference between extended warranty and insurance are totally different.

    I carry insurance on my Droid, have I needed it yet, no, but 5 minutes from now will I need it, well, you never know. In July one of my kid's lines becomes eligible for upgrade. At that point I will probably cancel my insurance because I know that if something happens to my Droid, I can fall back on the upgrade.
     
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