Thank God for Asurion (I hope)
Well my iphone4 took the ultimate tumble this morning as I was getting my daughter off to school, right down the concrete steps..OUCH! I love my Casemate Barely there case but it did nothing for this type drop! I just about cried....well I started a claim with Asurion, gotta wait until tomorrow (or midnight tonight) cause I don't get paid until then to pay the $169 deductible. I spoke with the rep there and she said, there's a good chance I'd get a new phone since the VZW iphone is so new...anyone have to do a claim with them yet and got a refurbished phone? new phone? I guess either would work since they warranty it for a year...but was just wondering!
- 03-29-2011, 08:29 AM #2
- 03-29-2011, 11:51 AM #3
- 03-29-2011, 12:04 PM #4
Or you could have simply went to apple store and paid 199 for repair. Unless you're worried about losing it or it getting demolished into pieces, you don't need insurance. It's a waste of money.
I'm okay with the refurbished one but it sure would be nice if its a new one...
@andrewu750, that's cool! great to know!!! I'm praying...
@cardfan, I don't have an Apple Store in my area, nearest one is 2 hours away, I'd rather pay $169 then to have to drive 2 hours and have to fill up my SUV with gas...
- 03-29-2011, 01:35 PM #6
Yep! I've never had a phone without insurance because I know I'm superclumsy! Even though it costs a little more this time, its so worth it! Had I not had insurance, I would have had to cough up $650 for a phone, NOT!
I know someone that didn't have the insurance and someone stole their phone...oops! He hasn't replaced it yet because he's having to pay for a phone at full retail and not many people have $650 laying around to put on a phone...
- 03-29-2011, 01:56 PM #8
- 03-29-2011, 02:17 PM #9
Insurance on your house, car, life good because loss/destruction of one can put you in financial ruin. Destruction/loss of a cell phone is not going to put you in financial ruin. If it is, then you shouldn't be owning a smartphone and costly data plan in the first place.
- 03-29-2011, 02:19 PM #10
I was told by the Verizon rep when I bought my iPhone 4 that they will ONLY give you a brand new replacement, not a refurb. But we all know that not every rep for big red knows what they are talking about.. Lol
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- 03-29-2011, 02:36 PM #11
- 03-29-2011, 02:37 PM #12
- 03-29-2011, 02:56 PM #13
I've never lost a 700 dollar device before. I figure if i'm dumb enough to do so, i'll buy a used one and learn a quick lesson. Other than that, apple covers me.
Insurance is a waste given how good apple is on repairs & exchanges.
- 03-29-2011, 03:06 PM #14
- 03-29-2011, 03:24 PM #15
- 03-29-2011, 03:27 PM #16
Insurance is good if you can afford it. I for one will not pay the high monthly cost for iPhone insurance. Shoot, I'm already trying to figure out ways to knock a few bucks off my bill. But that's just me. So what does it mean to not have insurance? It means I just have to be less careless with my device. Like I can't see how someone has a phone that retails for over 600 and just leave it laying around for it to get stolen. Now of course some things can happen for the most part, I just can't see it. Even at work, if I am leaving a arm's length from my desk, I'm grabbing my phone. No questions about it. But of course things do happen and it's unfortunate and for those that don't mind paying for it, that's great. But me, I don't mind not having insurance. Of course it's high risk high reward and I'm willing to deal with that.
I don't see why people even have to defend their choice of having of declining insurance. It's a phone and some want to make sure their possession is covered if something happens and others aren't as concerned. Don't see anything wrong with that. I don't like paying car, home, health, life and pet insurance so I'm definitely not going to pay on a phone. But that's just me. And for those that find the value and actually needed the insurance, then no need to defend your decision.
Last edited by scorpiodsu; 03-29-2011 at 03:30 PM.
- 03-29-2011, 03:33 PM #17
- 03-29-2011, 03:55 PM #18
for those who dont want to pay the 10 or 11 bucks for the asurion insurance can get insurance from either squaretrade.com or worthavegroup.com... i personally got worth ave group cuz it covers every single thing that could go wrong with the phone from accident related or lost/stolen. Plus its only a $50 deductible not $199 like asurion
Last edited by nano2909; 03-29-2011 at 03:58 PM. Reason: addition
- 03-29-2011, 04:10 PM #19
- 03-31-2011, 02:09 AM #20
so...do you have to file a police report before you make the claim to your insurance when your phone gets stolen? and what are your options? like you can get the iPhone for $199? or you get it for free? can someone explain to me what a "deductible" is?
- 03-31-2011, 02:15 AM #21
- 03-31-2011, 02:44 AM #22
- 03-31-2011, 03:46 AM #23
- 03-31-2011, 05:05 AM #24
Asurion's deductible is based on which phone you have. I have the 16GB iPhone4 so the deductible was $169. I think for the 32GB, its $199. Each time a claim is made, whether damage or lost/stolen, its $169(or $199). Squaretrade is of course another option that some have gotten however I elected to just do Asurion since its what I've used for the past several years.