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Girlfriend just got home and found out her daughter dropped her EVO. Called Sprint and those tards want $100 for the deductible (TEP since day one). Still debating on what to do, seeing as I have several options...
1 - File claim, pay $100, return damaged phone, and receive a new phone. Easiest
2 - File claim (as lost), pay $100, receive new phone and try to sell for parts.
3 - File claim (as lost), pay $100, receive new phone, replace Glass then sell with Bad ESN and net make profit of about $200
I guess you can consider this a rant, I just think it's dumb that you have to pay a deductible when you are returning a phone to them. If I didn't have to pay a deductible, I'd return the phone without issue. However, I've already paid $200 for a phone + $10 "Premium Data" (x3) + $7 TEP (x3) and now $100 to have it "fixed"... WEAK.
You were unaware of the terms when you got the insurance?
Sent from the void...
...gorilla glass is scratch proof... not shatter resistant... but i would go with option #3
The reason you are paying a $100
deductible is because of options 2 & 3.
People who do this ruin a good thing for the rest of us. Don't add to the problem please.
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wuclan48 said:
You were unaware of the terms when you got the insurance?
Sent from the void...
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Well aware of the deductible, but when presented it was worded as if "LOST or STOLEN" phone would be $100. I had a Treo 800W (never with a cracked screen) that had tons of hardware issues, each time I went in to a Sprint Store automatic replacement without being charged even outside warranty period.
I'm not blaming my ignorance here, I should have read where it said if damaged $100 deductible still applied. However, I was just simply stating its dumb that if you RETURN a phone in "somehwat-working" condition why would it warrant a deductible ? I've already paid $21 in to the insurance...
nukedukem said:
The reason you are paying a $100
deductible is because of options 2 & 3.
People who do this ruin a good thing for the rest of us. Don't add to the problem please.
Sent from my PC36100 using XDA App
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You're absolutely right, and I do not condone fraud in anyway! Having said that it irks me that their policies leave a nasty taste in the "Do-Rights" mouth forcing them to resort to OPTIONS 2 or 3.
jaypeezee said:
Girlfriend just got home and found out her daughter dropped her EVO. Called Sprint and those tards want $100 for the deductible (TEP since day one). Still debating on what to do, seeing as I have several options...
1 - File claim, pay $100, return damaged phone, and receive a new phone. Easiest
2 - File claim (as lost), pay $100, receive new phone and try to sell for parts.
3 - File claim (as lost), pay $100, receive new phone, replace Glass then sell with Bad ESN and net make profit of about $200
I guess you can consider this a rant, I just think it's dumb that you have to pay a deductible when you are returning a phone to them. If I didn't have to pay a deductible, I'd return the phone without issue. However, I've already paid $200 for a phone + $10 "Premium Data" (x3) + $7 TEP (x3) and now $100 to have it "fixed"... WEAK.
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A little material science lesson here.....
Hardness of a material is directly correlated with its brittleness. Gorilla glass is very hard; it is not shatter resistant. It is only scratch resistant.
It's not Gorilla Glass.
$100 is a steal for a new EVO. I thought everyone knew there was a $100 deduct. Personally Id keep it and part it out.
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If it was a brand new unit as opposed to a refurbished unit then I would probably be more inclined to send away but that's not the case its a refurb.
And to everyone commenting on my title, it was only sarcasm.
Put it this way... If I was a pda at ATT or Iphone You'd be fishing out $450+..
Sent from my PC36100 using XDA App
There's nice gigantic super thick informational brochures available at every single sprint store with information regarding everything to do with the services you pay for.
stop acting shocked.
jaypeezee said:
Girlfriend just got home and found out her daughter dropped her EVO.
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Dropped or grabbed a hammer and wasted it? I mean your pic doesnt look anything like a drop, believe me i type from experience. My 1year old son has grabbed both mine and my wifes, taken off the covers and threw them across the room. Believe it or no, no scratches or dents or anything.
Oh and i thought gorilla glass was only on the ifail4(iphone4).
Hate to bring up the iPhone 4, but it has Gorilla glass, and.....
The evo does not have gorilla glass because my evos screen is scratch that straight out bull unless I have the only one with out it plus I baby my phone and I have a scratch now that's dumb
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jaypeezee said:
Girlfriend just got home and found out her daughter dropped her EVO. Called Sprint and those tards want $100 for the deductible (TEP since day one). Still debating on what to do, seeing as I have several options...
1 - File claim, pay $100, return damaged phone, and receive a new phone. Easiest
2 - File claim (as lost), pay $100, receive new phone and try to sell for parts.
3 - File claim (as lost), pay $100, receive new phone, replace Glass then sell with Bad ESN and net make profit of about $200
I guess you can consider this a rant, I just think it's dumb that you have to pay a deductible when you are returning a phone to them. If I didn't have to pay a deductible, I'd return the phone without issue. However, I've already paid $200 for a phone + $10 "Premium Data" (x3) + $7 TEP (x3) and now $100 to have it "fixed"... WEAK.
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How would you net 200 from selling a phone with a bad esn?
jaypeezee said:
If it was a brand new unit as opposed to a refurbished unit then I would probably be more inclined to send away but that's not the case its a refurb.
And to everyone commenting on my title, it was only sarcasm.
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Well I just had that same thing happen to me about 3 weeks ago. Dropped it & shattered the screen. It took a couple weeks to get it because they are back-ordered everywhere, including Sprint/Asurion but they sent me a brand new phone, in new original packaging with new battery, charger, 8MB memory card...etc. Granted it came pre-updated with 2.2 so I lost root capability for now, but $100 got me a new phone.
Sent from my HTC Evo.
Where do people get the idea that the EVO has gorilla glass because it doesn't and I thought we all knew that and even if it did in the end its still glass and glass breaks.
Yeah...it was well documented before release that the EVO did not use Gorilla Glass.
Yep, I have the the very small scratches to prove it isn't Gorilla glass. I'm disappointed with that because my Hero had great scratch resistance. Anyways, people are right, this is the way the terms of the insurance work. We might not agree, but that's how business works.
jaypeezee said:
And to everyone commenting on my title, it was only sarcasm.
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Maybe i need to clarify the above.... I KNOW ITS NOT GORILLA GLASS and if it WAS, its not shatter proof - I realize that.
To the comment about dropping; 100% certain it was dropped right on the corner of the concrete/grass.
To the comment about how I would net $200... Simple;
File claim as lost - $100
Purchase replacement LCD/Digitizer from eBay $67
Repair $0
Sell on eBay with Bad ESN and advertise for use with Cricket/Metro PCS etc... $365ish
$167
- 360
------
$200 net profit* (estimate)
I had read on a recent RSS Feed that Asurion is upping premiums to $11.00 or more per month and deductibles are rising from $100 to $200.
This is awful. But, It seems that on wirefly, when you go to pre-order the EVO 4G LTE, they are offering insurance with NO deductible and only $7.00 or so a month.
Reference: https://www.wirefly.com/AdditionalD...c76&referringdomain=wirefly&agent=&viewmode=1
Is this a Wirefly only offer or is this how its going with everyone? (Sprint, Best Buy?) If this is the case from Wirefly only, then that might be a deciding factor for me...
Thanks!
I heard the new insurance changes are due to take effect June 6. Chances are, the info you read about is outdated and you would still be charged the same upped charges
ImaWinRAR said:
I heard the new insurance changes are due to take effect June 6. Chances are, the info you read about is outdated and you would still be charged the same upped charges
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As far as I can tell, Wirefly doesn't use Asurion. So whatever changes they're making shouldn't affect Wirefly's insurance.
I pre-ordered my LTEvo from Wirefly with no contract and got the Platinum Insurance package. I have a device on a corporate account which has no insurance, so this was the best possible solution. I had no idea such a plan existed. So now all I have to pay is $7.49 a month for my phone, and I have the peace of mind knowing that if I have issues (like I've had with the last several OG refurbs I've gotten), I can get a working "comparable device" as a replacement.
Thanks to sgt. slaughter for posting that Wirefly link in that other thread. I was worried when I couldn't preorder on the Sprint site without a contract that I'd have to wait until launch day to get it .
EDIT: Though I just noticed the Wirefly insurance does NOT cover liquid damage, which Asurion does cover. That seems to be the only disadvantage I could see .
Zagg (Invisible Shield) now offers a warranty. There is a $99 up front fee for two years of coverage which comes out to just over $4 a month (A $59.00 deductible may apply) the Zagg coverage covers water damage as well. I have been paying for the coverage on my Evo 3D and Evo 4G through sprint and have been thinking about trying Zagg out for the new Evo LTE I just ordered. It would save money in the long run.
http://www.zagg.com/store/services/zaggsafe/safe.php
Awesome to see you on board captain throwback
sent from 2yr old Evo on ICS
dixonwa said:
Zagg (Invisible Shield) now offers a warranty. There is a $99 up front fee for two years of coverage which comes out to just over $4 a month (A $59.00 deductible may apply) the Zagg coverage covers water damage as well. I have been paying for the coverage on my Evo 3D and Evo 4G through sprint and have been thinking about trying Zagg out for the new Evo LTE I just ordered. It would save money in the long run.
http://www.zagg.com/store/services/zaggsafe/safe.php
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This is interesting.
This is cheaper than the Wirefly insurance, but has a deductible (which Wirefly doesn't), but it actually covers liquid damage (which Wirefly doesn't).
The other difference is that the Zagg insurance doesn't cover a lost or stolen device, while the Wirefly insurance does.
Historically, I haven't lost my device or gotten it liquid damaged (except the one time I accidentally jumped into a pool with my Motorola V710 in my pocket), so I'm having difficulty deciding which plan to go with.
I'll probably just end up going with the cheaper option, but if I do that, I'll probably end up losing my device. And if I go with the more expensive option, I'll probably drop it into a puddle. Stupid decisions.
the insurance wirefly offers is amazing and been wanting to change my sprint pre order to wirefly but sprint wont cancel mine. bastard
Captain_Throwback said:
This is interesting.
This is cheaper than the Wirefly insurance, but has a deductible (which Wirefly doesn't), but it actually covers liquid damage (which Wirefly doesn't).
The other difference is that the Zagg insurance doesn't cover a lost or stolen device, while the Wirefly insurance does.
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Actually, the Wirefly insurance doesn't mention "lost". It only mentions theft. In fact, it speciffically states that if the phone was not secured (i.e. in your car with the door un-locked) it is not covered! No matter that it was stolen.
And, from experience, these companies make you provide a police report. So if you leave it on a bus or in your car and no window was broken, good luck collecting. No water damage, no lost phone, partial theft coverage, no thanks.
leebo said:
Actually, the Wirefly insurance doesn't mention "lost". It only mentions theft. In fact, it speciffically states that if the phone was not secured (i.e. in your car with the door un-locked) it is not covered! No matter that it was stolen.
And, from experience, these companies make you provide a police report. So if you leave it on a bus or in your car and no window was broken, good luck collecting. No water damage, no lost phone, partial theft coverage, no thanks.
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Nice observation.
I actually already cancelled the Wirefly insurance, and will be taking advantage of the Zagg offer instead, once my device arrives. Seems more likely that I'd accidentally drop my device in a puddle then I'd have it stolen directly off my person in a situation where I'd have to contact the authorities.
Captain_Throwback said:
Nice observation.
I actually already cancelled the Wirefly insurance, and will be taking advantage of the Zagg offer instead, once my device arrives. Seems more likely that I'd accidentally drop my device in a puddle then I'd have it stolen directly off my person in a situation where I'd have to contact the authorities.
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You are hilarious.
Sent from my lair.
Seriously? I hate this price jumps, freaking stupid. I'm going to look into that zagg plan.
Sent from my PC36100 using Tapatalk 2
I would rather pay Asurion 11$ with a 200$ deductible and get a new EVOLTE, than pay 7$ a month with no deductible to get a replacement phone that is not EVOLTE. There is a difference. You get what you pay for.
typhoonikan said:
I would rather pay Asurion 11$ with a 200$ deductible and get a new EVOLTE, than pay 7$ a month with no deductible to get a replacement phone that is not EVOLTE. There is a difference. You get what you pay for.
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Oh I'd rather have the Asurion insurance, but it's not an option for me, unfortunately. So I have to find a 3rd-party insurance plan that gives me at least some coverage.
Actually, the Wirefly insurance doesn't mention "lost". It only mentions theft. In fact, it speciffically states that if the phone was not secured (i.e. in your car with the door un-locked) it is not covered! No matter that it was stolen.
And, from experience, these companies make you provide a police report. So if you leave it on a bus or in your car and no window was broken, good luck collecting. No water damage, no lost phone, partial theft coverage, no thanks.
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Yes, I read the small print as well and don't think the Wirefly insurance is worth much.
I'm trying to figure out where to purchase my S4 for Sprint (Best Buy or Sprint). Insurance is my main concern, since sprint increased the monthly to $11 and deductible is possibly going to be $200 for incidentals. I say $200 because that's what the Note2 is currently.
Some of the things i noticed about Squaretrade and Geek Squad is they don't cover loss of phone, but do cover other incidentals. I'm not too worried about loss, more for crack screens.
Which insurance are you guys thinking of? I'm leaning towards GS or Squaretrade since the sprint TEP doesnt seem worth it with the high deductible.
http://squaretrade.force.com/support/faqArticles/If-I-file-a-claim-is-there-a-deductible
That may help...
Sent from my Nexus 7 using xda app-developers app
Just throwing this link up here. I found this being discussed in another thread a probably 5 or 6 months back. I bookmarked the link, but havent really looked into it myself (or any other insurance programs for that matter).
http://www.worthavegroup.com/cell-phone-insurance
Worth Ave. Group cell phone Insurance policies provide replacement cost coverage for a full calendar year, paid with an annual premium.
Each policy covers the cell phone for Accidental Damage such as drops and spills as well as Theft, Fire, Flood, Natural Disasters and Lightning Strikes. With a low $0 deductible and premiums starting as little as under $4 a month, this policy accommodates every budget. We cover NEW, USED and REFURBISHED devices.
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I ordered mine from Tigerdirect.com and picked up the insurance from them. $6.99/mo or $70/yr covers three full replacements per year with no deductible. covers damage, spills, theft, loss, etc
I saw that newegg is offering similar. Down side is that I'm having to wait due to the delays in stock.
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I have the $6.99 insurance for AT&T but my question is, is it really worth it? Are there better places to get insurance because for Asurion the s4 is Tier 3 which means a $200 deductible which to me is outrageous. I need your guy's opinions
I do best buy black tie $9.99 a month for any damage, no deductible. Just doesn't cover loss/theft
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Cheeze[iT] said:
I do best buy black tie $9.99 a month for any damage, no deductible. Just doesn't cover loss/theft
Sent from my SAMSUNG-SGH-I337 using Tapatalk 2
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I didnt buy from best buy though would that matter
LeKtRiCzzz said:
I have the $6.99 insurance for AT&T but my question is, is it really worth it? Are there better places to get insurance because for Asurion the s4 is Tier 3 which means a $200 deductible which to me is outrageous. I need your guy's opinions
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outrageous? would you rather pay $600+ for a new one if you lose your current one..?
Yze said:
outrageous? would you rather pay $600+ for a new one if you lose your current one..?
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I dont want to say I wont lose it but Id rather not jinx myself but im sure there is cheaper options
I have Squaretrade and it only has a $99 deductible but it does not cover lost or stolen.
raqball said:
I have Squaretrade and it only has a $99 deductible but it does not cover lost or stolen.
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what??
i also have bestbuy insurance! 9.99$ a month with no deductible!
dont believe the Gorilla Glass 3 bull****! "Tougher from the inside out with Corning’s exclusive, game-changing Native Damage Resistance, Gorilla Glass 3 offers improved scratch resistance, reduced scratch visibility, and improved retained strength"
i dropped my S4 from 15 inches high to the sink and the screen cracked!!
good thing i have bestbuy insurance! i only paid 9.99$ insurance so far on insurance and i getting my screen fix/replaced.
netnerd said:
what??
i also have bestbuy insurance! 9.99$ a month with no deductible!
dont believe the Gorilla Glass 3 bull****! "Tougher from the inside out with Corning’s exclusive, game-changing Native Damage Resistance, Gorilla Glass 3 offers improved scratch resistance, reduced scratch visibility, and improved retained strength"
i dropped my S4 from 15 inches high to the sink and the screen cracked!!
good thing i have bestbuy insurance! i only paid 9.99$ insurance so far on insurance and i getting my screen fix/replaced.
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Ya I think Squaretrade is $5.99 a month if you choose the monthly plan..
It covers damage but not lost or stolen..
im not worried about lost or stolen im worried because the glass is thinner and just as breakable
how would i go about getting bestbuy insurance
LeKtRiCzzz said:
im not worried about lost or stolen im worried because the glass is thinner and just as breakable
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In case, Squaretrade can't be beat..
$5.99 a month or a $99 one time fee for 2-years of coverage and a $99 deductible..
You can also buy best buys outright for $170 with no deductible and no limit to the claims. Also if they cannot fix/replace the phone they give you a store credit for the full retail of the phone so that you can pick something else out.
Source: I'm a best buy mobile lead
i just bought 5.99 insurance thanks guys for the help
I dont know how yalls home insurance is but we have state farm. They cover electronics. We have 2 50" flat screens, ps3, laptop, and 2 gs4's and its 29.99 month. I think she said it was 2.99 month for each phone. Full coverage. But all thats tied into home insurance.
Sent from my SAMSUNG-SGH-I337 using xda premium
I'm trying to assess the value of the Moto Care Accident Protection. Did you get it or not?
Cost: $80
Covers: +1 yr Mechanical Breakdown, 2 yr Accidental Damage (Not Covered: Neglect, Cosmetics, Pet, Heat, Cold, Vandalsim, Flood, Fire, etc.)
Deductible: $50
Repairs: Up to 3 times, Up to the purchase price of the phone
Lemon clause: Replacement if the same part fails 3 times.
If Unable to Repair: You Receive current market value of product with comparable specs or Retail Price - Prior claims
To me the value depends on the cost/difficulty of replacing the screen if it cracked.
I have only cracked one phone screen, and it cost me about $15 to fix is myself, but the repair shop quoted me $110. I'm assuming that with the waterproofing and gorilla glass, this will be difficult and a cracked screen would be at least a $200 repair (does anyone have actual data on this from a similar phone?).
So for the sake of argument, lets say that there is a 0.5% chance your phone has a mechanical failure in year 2, a 10% chance that you crack your screen during years 1 & 2, and 1% chance that you completely kill your phone in years 1 & 2.
Without getting overcomplicated and factoring in the lemon clause and the loss in payouts for repeat repairs: The value of the plan is 10% x $ 150[repair less deductible], 0.5% x $350, and 1% x $350. which = $22.50.
It seems more advantageous to me to self-insure, and pay the extra $150 for a cracked screen out of pocket in the 1 in 10 chance that it should get cracked within the first two years.
However, I've never dealt with Motorola, and I have no idea about there actual customer service or how much they pad it and let things slide, etc.
Maybe a Moto customer can educate me and talk me into this.
Well else could you get insurance for it at?
Generally, insurance is for stuff that's going to destroy you financially if the risk event occurs (AKA home destoyed, 30K medical bills, car accident liability, etc.) Someone that can't cover an extra hundred dollars in the event of accident, probably shouldn't have an expensive phone.
It just seems that in terms of lifetime earnings it would be better to cover the cost of damaged phones yourself rather than insure them, unless I am missing something. Even if you cracked your screen a lot, accident insurance is $40 a year, while insurance pays out about $115 after deductible. So if you crack it yearly, you're netting $75 a year by having insurance. If you crack it every two years you're getting $35 a a year, if you crack it every 3, you lose $5 and if you crack it every 10 you lose $285.
The numbers just don't seem to add up, if you can afford to pay for the damage.
With your numbers, self insure. I skipped Moto Care, but my history is better even than your conservative figures (I've cracked a screen once in 20 years, and it was a small edge glass-only crack easily lived with).
That said, I know a few people who definitely benefit from something like this. They are lucky to go 6 months without needing repair or replacement. All depends on the accident probability (especially since this isn't a subsidized phone, so I think most should be comfortable with the upfront costs).
Thanks for running the numbers, solidifies my decision to pass as I did give the coverage brief consideration.
I completely shattered the glass on my current phone. It fell flat center on a pebble on a cement parking garage at two weeks old. I was so disappointed, because I thought it would need a new phone, having never repaired one before. The repair was crazy easy and the new glass was only 10 bucks. (Plus a few plastic tools and glue strips). It took about 20 minutes. Granted, it completely freaked me out to melt my phone with a heat gun, but all the instructive youtube videos helped me think there was a decent chance of success.