crap i dropped my phone and broke it

[k1ngr4t]

Chill out dudes, you make it seem so obvious that this would be considered insurance fraud. You can definitely get car insurance after you've been in a wreck (it'll cost more...but you can get it). You can also get life insurance when a family member is terminally ill. You can get flood insurance after your basement has been flooded. There are plenty of things out there where you don't HAVE to sign up for insurance beforehand. Don't try to scare the crap out of this kid for being clueless. I HIGHLY doubt he would recommend insurance fraud so openly on a forum. Also we jacked the OP's thread.

Though OP, there is a thread already about Bionic drop stories. Check it out and share there, it'll make you feel better.

 

[Dave12308]

Yay, Insurance Fraud!

:icon_ banana:

Sounds like an easy way to get caught as well. It's going to look REAL strange if you sign up for insurance, and file a claim right afterwards.

 

[Dave12308]

Chill out dudes, you make it seem so obvious that this would be considered insurance fraud. You can definitely get car insurance after you've been in a wreck (it'll cost more...but you can get it). You can also get life insurance when a family member is terminally ill. You can get flood insurance after your basement has been flooded. There are plenty of things out there where you don't HAVE to sign up for insurance beforehand. Don't try to scare the crap out of this kid for being clueless. I HIGHLY doubt he would recommend insurance fraud so openly on a forum. Also we jacked the OP's thread.

Though OP, there is a thread already about Bionic drop stories. Check it out and share there, it'll make you feel better.

Well, the obvious thing to do would be to read the Asurion contract, and see if it covers pre-existing damage or not. Better than name calling and second guessing in the forums. I don't know why it is that people would rather argue a point for days and days, rather than just using Google to find the answer.

And it's VERY common for people to recommend insurance fraud on these forums. I see several threads a day where someone recommends insurance fraud.

 

[Nyteravyn]

Just log in at my verizon online and
Try to ads the feature to the line, best place to start....
Sent from my DROID BIONIC using DroidForums

 

[Dave12308]

Just log in at my verizon online and
Try to ads the feature to the line, best place to start....
Sent from my DROID BIONIC using DroidForums

The question isn't whether or not you can add the feature, we all know you CAN within 30 days. The question is whether or not it is okay to add the insurance AFTER damaging the device; and trying to file a claim of pre-existing damage. Some insurance policies allow this, others do not.

Edit: Looks like the answer is no, the loss/theft/damage has to occur within the period of insurance coverage.

"

If your request for enrollment of coverage is submitted within 30 days of initialactivation of the Verizon Wireless service for the Covered Property, and you areapproved by us, we cover direct loss or damage that occurs during the policy​

period shown in the Declarations.
"

Since there could be no coverage before the insurance is added, the OPs damage did not occur during the policy period if he/she did not have insurance to begin with.

 

[TyrantII]

Insurance fraud really? It's not like he is saying its stolen to get two phones. Breaking your phone and ordering insurance later doesn't sound like fraud.

sent from my thunderbolt

Yeah, it's exactly what insurance fraud is.

Luckily most places will ask to see the device to be insured before issuing insurance to prevent this sort of asshattery. People that try to do things like this are the reason all our premiums and deductibles are higher.

You broke it, you don't have insurance, lesson learned. If it was bought via a VISA you might have VISA issued insurance as a matter of membership, so check with that. Other than that, tough break but you won't make the mistake next time. While ASIRION is a rip off, committing insurance fraud is worse in my eyes. There's 3rd party, cheap insurance out there; both from insurance companies and reputable internet sources. People should be using them, if they deem they need insurance at all.

Chill out dudes, you make it seem so obvious that this would be considered insurance fraud. You can definitely get car insurance after you've been in a wreck (it'll cost more...but you can get it). You can also get life insurance when a family member is terminally ill. You can get flood insurance after your basement has been flooded. There are plenty of things out there where you don't HAVE to sign up for insurance beforehand. Don't try to scare the crap out of this kid for being clueless. I HIGHLY doubt he would recommend insurance fraud so openly on a forum. Also we jacked the OP's thread.

Though OP, there is a thread already about Bionic drop stories. Check it out and share there, it'll make you feel better.

Yes, but they're not going to pay your claims from bills wracked up on previous conditions/claims. Only claims and costs that happen after the insured date. And what you pay would be taking all those pre-existing conditions and old/new claims into account.

OP's situation sucks, but the right answer to his question is SOL.

 

[magicman11]

I found out that I actually did sign up for the insurance when I bought the phone, do I just take the phone into a verizon store now and get a new one? And what's the deductible going to be?

 

[jamjr74]

If u signed up through Verizon then go to www.asurion.com to file ur claim online.

 

[k1ngr4t]

I found out that I actually did sign up for the insurance when I bought the phone, do I just take the phone into a verizon store now and get a new one? And what's the deductible going to be?

Probably around $100

 

[TyrantII]

Probably around $100

Which is why Asurion is a rip off.

Never get insurance through them. You mise well just pay the cash for a factory refurb at the costs of their "insurance".

 

[adamwhitehead]

My asurion claim was 70 dollars, they didn't have dx anymore so I got a dx2, but I got to keep my old dx and use it for a lab rat. So I don't think it was a bad deal, I'd venture out to say I love asurion

Sent from my DROID X2

 

[CTownDroid]

Last time we upgraded, the deductible was gonna be $69.99 fo a smartphone, I'm not sure if that's still the rate. Don't feel too bad, the deductible for iPhones were $169.99 for 16G and $199.99 for 32G and I believe it was like $11.00 a month.

 

[syndicate0017]

My asurion claim was 70 dollars, they didn't have dx anymore so I got a dx2, but I got to keep my old dx and use it for a lab rat. So I don't think it was a bad deal, I'd venture out to say I love asurion

Sent from my DROID X2

How did you not have to send your old phone back? Both times I've claimed they made it imperative that I had to send the phone back or be charged $300.

Sent from my CushZero using DroidForums

 

[adamwhitehead]

How did you not have to send your old phone back? Both times I've claimed they made it imperative that I had to send the phone back or be charged $300.

Sent from my CushZero using DroidForums

I was told by my vzw Rep that I could keep the old phone and asurion said the same thing... I did pay full insurance when I bought the phone so that may be it?
Also my Rep also filed the claim so maybe he did it in a way that that waived that stuff, I was told if I wished to recycle it send it to them but that's it.

Sent from my DROID X2

 

[adamwhitehead]

Wait, is asurion and protect cell the same thing? If no... I apologize cause I'm an idiot. All my emails say protect cell lol

Sent from my DROID X2