Insurance! Tmo vs. worth ave group - Vibrant General

Anyone use worth ave group for warranty on their phone? Www.worthavegroup.com. the tmobile warranty sucks... 5.99/mo and a deductible of 130 vs. worth costing around 55/yr and a 50 deductible.
Thoughts?
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Hmm sounds cheap, but look at their policy.
"How long does it take to receive payment?
Your claim will be processed in approximately 4 weeks."
So if I break my phone I have to file said claim, send them my phone, and pray they cover the cost while I buy a new phone for the $500 or $600 it would cost? Also if you look they require you to go to a repair place and get an estimate on repair costs and other things, which I'm not sure who you'd go to, but I don't imagine a cell carrier would happily give you the papers needed to file a claim with an insurance company that isn't the one they partner with.

Related

Phone Insurance

So tell me, does anyone have insurance on their "rooted" Nexus one? I'm thinking of getting one for mine, but not sure if T-mobile provides it, or is it a good idea to get it from them, if ever. Coz they don't carry the device.
Any suggestions? Thanks in advance!
I have insurance on my Non-Rooted Nexus. You can get it from t-mobile. But i dont believe you can have insurance one you root the nexus one. I believe it voids the warranty. I may be wrong. Heres some info:
Is PHP (Premium Handset Protection) available for this Nexus One?
Yes, PHP is available for the Nexus One.
How much does PHP Insurance cost?
PHP Insurance is $4.79 per month with a $130 deductible.
How long do I have to add PHP to my account?
To qualify for PHP insurance you must add the insurance to your T-Mobile account within the first 14 days of purchase.
Great News! Asurion’s Premium Handset Protection offered through T-Mobile is available on the Nexus One. For $4.79 per month, customers are protected from loss, theft and damage – even screen damage or water damage. There is a $130 deductible per approved claim, much lower than the full retail of $529. Asurion will replace your Nexus One with . . . a Nexus One. As with most buzz-generating, hot new phones, inventory availability can be an occasional problem. Its not that Asurion doesn’t want to replace your Nexus One with a Nexus One, we do! Should there be a brief inventory problem, Asurion will offer a few different options to affected customers.
I have insurance on my ROOTED phone. You can have it. While it is true that rooting voids your warranty this has nothing to do with insurance. So look at it this way. I have a rooted phone and I loose it. I file a claim as loss is covered under the insurance. How on earth are they going to know it was rooted? Make sense.
The other above info is what I was told.
One thing to note. I had insurance on my G1 that was something like $6 / mo when I transfered that to my N1 it went down to the $5 /mo. This is because T-mobile would extend the warranty on the G1 since it was one of their phones. They don't do that on the N1 since it isn't theirs. That is why it is a little cheaper.
As for how it is replaced since T-mobile doesn't have the Nexus. I was told that the insurance company was getting some for replacements. Until then if you had a claim and they didn't have any you would go directly to Google and order a new one. You would be responsible for the full upfront cost of an unsubsidized phone. They then would cut you a check for the phone minus the $130 deductible. Make Sense.
Oh also a point on the 14 days to activate insurance. This is also true however. Lets say you let the 14 days laps. As long as you haven't rooted your phone (that would have voided the warranty) if it is ever replaced by the manufacturer you then have another 14 days to activate the insurance from the point in time you get the replacement. That is how I got insurance on my G1. I forgot to call back in the 14 days and then couldn't get coverage. Then my home button died, T-mobile replaced it under warranty, I then had them activate the insurance. Also if are under insurance and if you have a replacement under warranty I would be sure to call T-mobile. Since that was likely taken care of directly through Google or HTC they may not know. Of course if you had an insurance claim for say water damage that they tried to deny because the SN didn't match what you originally bought you could say "Oh, did I mention that the water damage happened when it fell off the boat in 300' or water?" I must have written that SN down wrong and what you have on record must be right.
Hope that helps....
as a point of interest, state farm charges me $30 a year for insurance on my nexus one, with ZERO deductible..
that's $2.50 a month folks...
and they don't care if it's rooted, or you used it to hold up your car when you changed your oil.
Thank you for the information I'm goin with state farm.Hahaha.
Hmmm... Called Tmobile, they said my Nexus is currently insured... I made them double and triple check it, but they were positive bout this, I guess my insurance from my G1 is automatically transferred to the N1.
I still thank you for the response guys!
i'd cancel it and get a real policy that costs half and doesn't have a deductible... but that's just me..
Red MacGregor said:
as a point of interest, state farm charges me $30 a year for insurance on my nexus one, with ZERO deductible..
that's $2.50 a month folks...
and they don't care if it's rooted, or you used it to hold up your car when you changed your oil.
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That's good to know and seems like a better way to go!
Oh you were for real? lol I thought you were just kidding, I dont have StateFarm as insurance though. They might not cover it.
Red MacGregor said:
i'd cancel it and get a real policy that costs half and doesn't have a deductible... but that's just me..
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rjhay22 said:
Oh you were for real? lol I thought you were just kidding, I dont have StateFarm as insurance though. They might not cover it.
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call whomever you're using, Farmers, whomever, they likely have a similar policy..
T-Mobile is charging a ridiculous premium for that policy
$4.79 a month is not something I miss.
uansari1 said:
$4.79 a month is not something I miss.
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sure, the difference is only $30 a year... over two years an extra $60 on the price of the phone, unless you include the deductible, and it's an extra $190.. 1/3 of the cost of the original phone..
The original poster should call T-mobile again. As I mentioned in my post that the original insurance that I had on my G1 was more expensive. They may have changed it from the insurance that is something like $7/mo to the one that is about $5 ($4.75 or whatever). I got my phone early on so it is possible they are getting better at automating these things. Everyone was still trying to figure out this new Nexus thing when I got my phone.
I have to call my insurance company anyhow so I am going to ask about phone coverage. I have USAA though not State Farm. Even if they don't offer it I wouldn't switch to State Farm. We are saving $1800 a year and have more coverage and a lower deductible on our house compared to State Farm. My parents are now switching over to USAA. He said they will save $900 a year on their 4 cars/truck.

Sprint Insurance

Can someone explain the difference between Sprint's ERP, ESRP, and TEP?
I called and asked Sprint, but I think we both got confused. From what I gather:
ERP (Equipment Replacement Program) - $4.00/mnth covers pretty much everything with a 100.00 deductible on smartphones.
ESRP (Equipment Service Replacement Program) - $4.00/mnth covers basically what ERP does?
TEP (Total Equipment Protection) - $7.00/mnth covers ERP and ESRP
What do you recommend? I'm leaning towards ERP (4.00), we currently don't have insurance on our iphones (att doesn't provide it), but would like it. Just don't want to spend 7.00 each line for no good reason.
Also there is Squaretrade for $144.00 for 2 years or $6.00mnth (probably less with coupons).
jeffla said:
Can someone explain the difference between Sprint's ERP, ESRP, and TEP?
I called and asked Sprint, but I think we both got confused. From what I gather:
ERP (Equipment Replacement Program) - $4.00/mnth covers pretty much everything with a 100.00 deductible on smartphones.
ESRP (Equipment Service Replacement Program) - $4.00/mnth covers basically what ERP does?
TEP (Total Equipment Protection) - $7.00/mnth covers ERP and ESRP
What do you recommend? I'm leaning towards ERP (4.00), we currently don't have insurance on our iphones (att doesn't provide it), but would like it. Just don't want to spend 7.00 each line for no good reason.
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Get it belive me you will need it when you loose your phone belive meee
daniel0260 said:
Get it belive me you will need it when you loose your phone belive meee
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I pay $7 a month for TEP and I love it, peace of mind, especially with a pricey device like the evo
mrono said:
I pay $7 a month for TEP and I love it, peace of mind, especially with a pricey device like the evo
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Why TEP and not just ERP? What advantage does TEP have over ERP?
jeffla said:
Why TEP and not just ERP? What advantage does TEP have over ERP?
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TEP covers pretty much everything. Notably, loss, theft and H20 damage. The other two plans are not as inclusive.
Equipment Replacement Program:
Insurance coverage for lost, stolen or physically damaged devices.
$50 non-refundable deductible applies per approved replacement
For full terms and conditions, see the Coverage Certificate
Equipment Service and Repair Program:
Provides coverage for mechanical or electrical failure, routine maintenance or failure from normal wear and tear.
No additional out-of-pocket charges to repair or replace your malfunctioning device
Over 1,800 Sprint Phone Repair Centers available to repair or replace your device. Visit www.sprint.com/storelocator for the nearest location.
For full terms and conditions, see the Service Contract
TEP is both of those put together, for $1 less a month than paying for both separately. (If you want to go read the full T+C, google "sprint insurance" and it will be first or second listed )
Bp3dots said:
TEP covers pretty much everything. Notably, loss, theft and H20 damage. The other two plans are not as inclusive.
Equipment Replacement Program:
Insurance coverage for lost, stolen or physically damaged devices.
$50 non-refundable deductible applies per approved replacement
For full terms and conditions, see the Coverage Certificate
Equipment Service and Repair Program:
Provides coverage for mechanical or electrical failure, routine maintenance or failure from normal wear and tear.
No additional out-of-pocket charges to repair or replace your malfunctioning device
Over 1,800 Sprint Phone Repair Centers available to repair or replace your device. Visit www.sprint.com/storelocator for the nearest location.
For full terms and conditions, see the Service Contract
TEP is both of those put together, for $1 less a month than paying for both separately. (If you want to go read the full T+C, google "sprint insurance" and it will be first or second listed )
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I finally understand. Thanks, now it's time to decide what level of risk I want to take. ERP has a deductible, and ESRP does not basically. I think since we don't have insurance on our iphones and all has been well for almost 2 years, I think the ERP will be just fine.
They all have deductibles right? I am thinking of the Best Buy plan at 10$ a month since it has hardcore coverage and no deductibles.
setite said:
They all have deductibles right? I am thinking of the Best Buy plan at 10$ a month since it has hardcore coverage and no deductibles.
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If you have sprint's ESRP then no (I think), but if you have ERP then yes, 50-100.00. If you have TEP, then yes if you damaged your phone/lost it... but no if it just stopped working.
Well that's what I think this all means. Sprint really needs to simply its insurance plans. Maybe just offer 1, not 3 plans.
if you bring a phone in and you have TEP or ESRP, and it is not lost or stolen or you ran it over with your car (i.e. normal wear and tear), then you don't pay a deductible. even if you have TEP, the deductible only applies if it falls into the category covered by ERP.
I think that Sprint insurance is b.s ..I have tep pay $7 and just bought my hero on march beatbuy offered the $6 a month if they can't fix it ,they give u a new device.my hero went bad last Wednesday thursday I took it to sprint repair center they couldn't fix it.so I get a refurbished right away when they handed to me I noticed power button don't work,they ordered another refurbished for sat,so another 8 miles of driving to pick it up and its another refurbished that is all scuffed up audio jack is messed up .so if I just bought my hero 2 months ago why did I kept ok getting refurbished devices they said its policy.well after calling like 20 times customer service speaking with reps,managers,supervisors I got a brand new hero, when I could of just bought the best buy insurance..with evo am getting the best buy insurance
jocampo86 said:
I think that Sprint insurance is b.s ..I have tep pay $7 and just bought my hero on march beatbuy offered the $6 a month if they can't fix it ,they give u a new device.my hero went bad last Wednesday thursday I took it to sprint repair center they couldn't fix it.so I get a refurbished right away when they handed to me I noticed power button don't work,they ordered another refurbished for sat,so another 8 miles of driving to pick it up and its another refurbished that is all scuffed up audio jack is messed up .so if I just bought my hero 2 months ago why did I kept ok getting refurbished devices they said its policy.well after calling like 20 times customer service speaking with reps,managers,supervisors I got a brand new hero, when I could of just bought the best buy insurance..with evo am getting the best buy insurance
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Thank you for posting this experience. This is what I hate about the warranty on my Amazon Kindle. I had a Kindle that died in 11th month. They sent me a refurb that looked good, but died in the 100th day . I have another refurb that I hope doesn't die right after the warranty. The worst for Kindle is that the refurbs have 3 month warranties instead of 12 months. I guess I will pay the extra 3$ for the BB insurance then.
Isurance with upgrade
I know when you sign a 2 year contract you have to say if your want an insurance plan or not. Well I have one on my Hero and want to buy an EVO full out. Will I still have insurance on my EVO?
yes, once you have insurance on your account, any phone you add to the account then gets covered. even if you bought a use POS phone off ebay and added it to your account, it would be covered. there is a 2wk period after adding a phone where it can't be used.
so with TEP is there a deductible? I am confused... sorry..
I want to ask a question about the insurance company that works with sprint. Anybody that knows them well plz PM me. Its not a question I want to ask out in public...
joey3002 said:
so with TEP is there a deductible? I am confused... sorry..
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If you have TEP, you only pay a deductable while filing a claim under the ERP portion. The ESRP portion has no deductable. So basicaly you will pay 50-100.00 if you break you phone, get water damage, lost or it was stolen.(ERP coverage) If it stops working throught no fault of your own, then there is no deductable. (ESRP) Buy both ERP & ESRP = TEP
I know, I know, their insurance options are confusing. If we decide to get the Evo, we will get the ERP insurance for $4.00mnth
So why not just go with ERP and no matter what happens, "I lost my phone"
seems pretty easy.. I was thinking of TEP but honestly, Ill pay the 50.00 for deductible..
Something seems off.. why would anyone want anything higher than ERP?
joey3002 said:
So why not just go with ERP and no matter what happens, "I lost my phone"
seems pretty easy.. I was thinking of TEP but honestly, Ill pay the 50.00 for deductible..
Something seems off.. why would anyone want anything higher than ERP?
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I agree. But, with ESRP or TEP, you would pay 0 if your phone died from no fault of your own. But if you only had ERP and your phone died because of no fault of your own, you could say lost it, but you'd have to pay 50-100.00 dollars. So like all insurance, it comes down to the amount of risk your willing to assume. For example, I have 500.00 deductables on our cars, but someone else might think 250.00 is better. When I was 20, I had 1000.00 deductables.
If we switch to sprint, we'll get ERP. In the last 3 years with our iPhones, we have never needed insurance. So paying $7.00 dollars a month for TEP seems like too much, ERP for 4.00 is fine. I'm willing to pay 50-100.00 IF I ever need it.
is good if u dont mind going thru the hassle of them not having ur replacement at the repair center,or if u dont mind making a couple of trips if the refurbished phone u get is not a 100% hardware condition,,i made like 4 trips to the repair center and i just bought my hero on march my phone went bad and i got a replacement(refurbished) that power button didnt work and than another one 3 days later that was all scuffed up with paint chipping and 2345 calls mnftcre on 10\12\10 and paying $7 after 4 years .when best buy offered me a $6 equipment protection and if they cant fix it u get a brand new device...so i think is bs.,when i get my evo i will get the bestbuy insurance ...
sorry 10\12\2009
jocampo86 said:
is good if u dont mind going thru the hassle of them not having ur replacement at the repair center,or if u dont mind making a couple of trips if the refurbished phone u get is not a 100% hardware condition,,i made like 4 trips to the repair center and i just bought my hero on march my phone went bad and i got a replacement(refurbished) that power button didnt work and than another one 3 days later that was all scuffed up with paint chipping and 2345 calls mnftcre on 10\12\10 and paying $7 after 4 years .when best buy offered me a $6 equipment protection and if they cant fix it u get a brand new device...so i think is bs.,when i get my evo i will get the bestbuy insurance ...
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Asurion Insurance is no longer handeling nexus one

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Just call state farm and put it on your personal items policy. It's cheaper than Assurion ($3 per month) and they will pay 100% replacement with no deductible.
OutlawPro said:
Just call state farm and put it on your personal items policy. It's cheaper than Assurion ($3 per month) and they will pay 100% replacement with no deductible.
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+1
Been doing that since my 8125
My nexus one was stolen a couple days ago i called t–mobile they gave me the number for the insurance company called for Asurion I told them what happened, Then she said oh it looks like we don't carry nexus one no more,I sad what do you mean you do not carry this phone anymore are you ever gonna carry it, she said no it was discontinued and then said we can give you a comparable phone which was a motorola click or my touch, I can't even tell you what i said next i haven't decided what to do yet because i am still in disbelief.
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Insurance on a phone makes no sense. Also, filing an insurance claim for $500 is only going to hurt you. If you are that worried about it, just save up $500, stick it under your mattress and insure it yourself.
I just hung up with T-mobile who just hung up with Assurion and they stated that the insurance is NOT being dropped...he was actually surprised to hear that someone stated it was going to be dropped.
If they're out of stock then they try and pull what the OP stated which is send a comparable phone...even though none of those are even close to the sexy nexy....
+1 on the personal articles policy with State Farm, Farmers, Progressive, whomever you do your home/rent/car insurance through. No deductible, this is the kind of thing the policies are made for. and it's half the cost of Asurion or t-mobile premiums, and THEY have a deductible.
Before insuring your phone with your home/renter/auto insurance company make sure to get in writing that filing a claim for your phone won't count against you filing a claim. I asked my insurance company, SafeCo. They said that if I insured my phone and filed a claim then my month fee would increase and it would count against my record.
my nexus one got wet so i filed a claim and the told me the same thing that they dont make it anymore. I was like what the F*CK they said we can give a phone just like it the mytouch or cliq how in the hell is the mytouch or cliq anything like my nexus just because it has android???? lucky for me i disassembled my nexus clean it and left it open for 2 day and now it works
Will Asurion give us cash if we don't want the crappy phones they have in stock?
I still don't know what to do but i might just take whatever phone is worth the most and try to sell it and try to buy a nexus on ebay, But the only problem this is they give you a reconditioned phone. who knows what l will be able to sell it for and i'll still have to pay my 130 dollars deductible. It just would've been nice if they will be sent out an email to let me know about this.
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dwerk said:
I still don't know what to do but i might just take whatever phone is worth the most and try to sell it and try to buy a nexus on ebay, But the only problem this is they give you a reconditioned phone. who knows what l will be able to sell it for and i'll still have to pay my 130 dollars deductible. It just would've been nice if they will be sent out an email to let me know about this.
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Again...have you called them and asked them if they will give you $399 cash to buy a new Nexus One on your own? $529-130 = $399
maybe if they sent me two mytouch slides or an EVO but thats it
thewayne01 said:
Insurance on a phone makes no sense. Also, filing an insurance claim for $500 is only going to hurt you. If you are that worried about it, just save up $500, stick it under your mattress and insure it yourself.
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If you don't know what you're talking about, keep your opinions to yourself. It does nothing to you to make a $500 claim on a personal items policy. If your insurance company count it against you, I suggest you get a new company. It's not like your auto or home policy, totally different. I also want to add, that at $3 a month, it would take you nearly 14 years to save $500. Some people like not having to put out another $500 if their phone breaks or is stolen. You're an idiot.
OutlawPro said:
If you don't know what you're talking about, keep your opinions to yourself. It does nothing to you to make a $500 claim on a personal items policy. If your insurance company count it against you, I suggest you get a new company. It's not like your auto or home policy, totally different. I also want to add, that at $3 a month, it would take you nearly 14 years to save $500. Some people like not having to put out another $500 if their phone breaks or is stolen. You're an idiot.
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very much this.
if this is true then I'm canceling my insurance with tmo.
no point in paying them 6 bucks a month for nothing!
i called them yesterday and confirmed the ops findings.
Guys you should us square trade i got a 2 year warranty for $101.79 with tax and all. if they cant fix it they will give you what u paid for it $529 they are really good and i have used them for other phones.
here are some coupon code
Unique Coupon Code: 07P0CVRK4SG 30% off
seeking said:
maybe if they sent me two mytouch slides or an EVO but thats it
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T-Mobile will start to carry the Samsung Galaxy later this month. Perhaps Asurion will agree that is a comparable phone. If something happened to you nexus then maybe you could get the Galaxy.
uansari1 said:
Again...have you called them and asked them if they will give you $399 cash to buy a new Nexus One on your own? $529-130 = $399
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So I just called Asurion. At first, the woman told me that there's no way to know what would happen if I had to file a claim, and the only way to know is to actually file one. WTF?! I explained that if I would be precluded from getting a new N1 or the cash amount to purchase a new one (less the deductible, of course), that I would want to cancel my policy and that's why I need to know definitively whether or not they would give me a new N1 or cash, rather than an inferior phone. Anyway, I was able to talk to a manager. He said that at the moment, as long as Google is selling the phone from the website, if we file a claim and don't want a "comparable phone", we can order the phone ourselves and submit the receipt to be reimbursed in the amount over the deductible. Also, he pointed out that what constitutes a "comparable phone" is always changing. Today it's an HD2, Cliq, or MyTouch Slide. Tomorrow it could be something else with a faster processor, more RAM, etc. (Samsung Galaxy).

Dropped my phone, am I screwed?

So I dropped my phone 2 feet and it exploded and the screen is done. I'd post pictures, but it makes me sad.
I've had the phone for 40 days or so, what can I do to not have to pay $550 for a new phone? Add insurance and wait a month? If I add the insurance what would it cost me per month and for a new phone?
Landmine said:
So I dropped my phone 2 feet and it exploded and the screen is done. I'd post pictures, but it makes me sad.
I've had the phone for 40 days or so, what can I do to not have to pay $550 for a new phone? Add insurance and wait a month? If I add the insurance what would it cost me per month and for a new phone?
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As far as I know, you can only add Sprint TEP during your first 30 days. Check your credit card for accidental damage protection (Amex has 1 year extended warranty and 90 days accidental damage).
Repairing the screen probably won't be $550, but will be very expensive.
I'm sorry for your loss. As far as I know you can only sign up for insurance within a certain period of time after recieving the phone. I think you are past that timeframe.
I don't think there are any replacement screens available yet for replacing the glass yourself. You could search for something like that if you are the brave type, or look for a place that will repair it for you. But again, I don't think replacement parts are available yet.
In my opinion, if you want to avoid buying an expensive new phone I would buy the cheapest CDMA phone you can get from sprint (or Ebay) and wait until parts are available for the EVO.
Without insurance you are pretty screwed. You can try adding it to your Sprint account now and see if they will let you and wait 40 days or so to file a claim.
Either that or pony up the cash for one on ebay.
Amex protection, while they are amazing, will only cover what you spent on the phone.
So if you got the phone for $199, they will reimburse you what you spent on it, not the cost of the replacement at $499.
I went through this with my wifes Pre. Dog ate it after 80 days. Amex said they would give me $199 for it (what I spent) but would need the damaged phone as proof. It would cost me $499 for a new Pre. Luckily I had insurance. I asked Amex if they would pay the $100 deductible for the insurance, but my insurance company would want the damaged phone to see if they could repair it.
They immediately credited my account $100 and was happy about it. They did not need the phone back.
I buy everything on Amex. Everything.
But in your case you have two options. Buy a new phone, or try to get away with insurance fraud.
I thought I read a post somewhere on here where someone found the front glass for sale for like $130.
So Sprint added the insurance to my plan and told me it was active as of today. So I'm covered apparently, anyone know what it will cost me to use that insurance?
It was $100 for me.
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Thank you. Suppose this thread can now be closed or deleted.
Please have some form of moral fortitude and carry the insurance for at least a year.
Glad you are able to get away with it.
I'm going to keep the insurance forever. I wanted to get it pre-drop but put it off because I was so "careful"... What a joke I am right?
Landmine said:
I'm going to keep the insurance forever. I wanted to get it pre-drop but put it off because I was so "careful"... What a joke I am right?
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You live and learn
Luckily Sprint allowed you to add the insurance past your 30 day mark. I understand that insurance can be added "anytime", but I guess they fed me a line of B.S. when they warned me that after my 30-trial period, I couldn't add it.
Either way...$100 is a heck of a lot better then having to dish out the full price of the phone.
If you ever need insurance activate an old phone online then activate the one you need insurance on. It will let you add it then. It needs to be able to power on and join the network though.
My Sprint insurance runs 15 a month per phone.
PAPutzback said:
My Sprint insurance runs 15 a month per phone.
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Why? I have Total Equipment Protection (the best plan) and it is $7 per phone per month.
if sprint ever tells you that you can't add insurance tell them it's in the contract which it is, as long and they didn't kick you off because of too many claims ( i think 3 or more a year) they have to let you add it
If you would have gone to a service and repair store like mine, you would have been charged a $119 fee and then we could either replace the damaged parts if we have them, or order you a replacement. Then you could also add insurnace after that as well.
Best thing is that the Evo is not hard at all for us to work on. The only hard part would be getting a screen. I can have one taken apart and swap a screen in probably 15 to 20 minutes.

Buy insurance for your epic..no more instore warranty repairs/replacements

Not sure how many people are aware, but as of tomorrow sprint is changing its service and repair program thus stopping in-store warranty work, your phone will only get repaired/replaced at a service center if you have TEP, otherwise you will have to go directly through Samsung which has a 17 business day turn-around time. If you do have TEP physical damage will be covered (cracked screens ext.), batteries will be covered..everything short of water damage and damaged beyond repair (aka the main board is broken) with no deductable
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d94 said:
Not sure how many people are aware, but as of tomorrow sprint is changing its service and repair program thus stopping in-store warranty work, your phone will only get repaired/replaced at a service center if you have TEP, otherwise you will have to go directly through Samsung which has a 17 business day turn-around time. If you do have TEP physical damage will be covered (cracked screens ext.), batteries will be covered..everything short of water damage and damaged beyond repair (aka the main board is broken) with no deductable
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You have it wrong. The main change is $35 charge. the average person will still used this less than once every two years. The insurance still doesn't make much more sense than it made int he past.
Sprint will treat non tep repairs for warrant issues exactly the same except for a $35 charge.
Sprint will replace phones for the same no deductible reasons as it did before with the exception of a $35 charge.
Paying the insurance still means all the odds have been figured and you are paying extra for insurance company profit, insurance company overhead, people who take inordinate risks with their phones, and people who game the system.
Insurance is always like playing against the house, insurance for losses that are not catastrophic rarely make sense
The huge benefit to the change now is that physical damage is now covered in store with no deductable. (Cracked screens, ex) which saves you 100 big ones.
Sent from my SPH-D700 using XDA App
Sent from my SPH-D700 using XDA App
cognitivel0gic said:
The huge benefit to the change now is that physical damage is now covered in store with no deductable. (Cracked screens, ex) which saves you 100 big ones.
Sent from my SPH-D700 using XDA App
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x2, now all the people that brick their phones can chuck their phone on the ground and get it replaced for free.
/fail
This is all well and good but I would like to see a few people go into the repair center with some cracked screens to see if they get fixed. The phrase that scares me is "not repairable damage". The leaves things very loose, I would hate to take the insurance off my phone, accidentally drop is and then have the person at the repair center tell me that this is not repairable. I don't take paying 7 a month extra as a bet against the house, its more like piece of mind that I would never have to pay $450+ dollars out of pocket for my phone if something were to happen.
scriz said:
x2, now all the people that brick their phones can chuck their phone on the ground and get it replaced for free.
/fail
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"a $50/$100 Claim via Asurion (Insurance Provider) for Damaged beyond repair devices such as ones with a damaged circuit board, liquid damage/corrosion, or a smashed device in 3 or more pieces. And anyone with a lost or stolen device will also get the same above $50/$100 Claim via Asurion."
"For those who are not under TEP and have such issues as a damaged circuit board, liquid damage/corrosion, a smashed device in 3+ parts, or a stolen/lost device they will either have to Upgrade or purchase a new device at MSRP."
So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.
fastmikey1969 said:
So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.
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The cost to service is less for a non Tep customer than the deductible. Unless you are prone to lose or water damage your phone the choice seems clear.
Sent from my SPH-D700 using Tapatalk
For me it's been worth it. Over the last year, my wife has had her Moment stolen twice, and my son ran into the ocean with his Blackberry. Without TEP, I would have had to buy 3 phones at full price.
I'll never get rid of TEP. I've saved so much money from replacing phones. I seem to be cursed with bad screens, hinges, screens going white, etc... Alot of it happens out of warrenty.
I love TEP!
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fastmikey1969 said:
So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.
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To me, it's just like a concealed handgun license. Better to have it and not need it, then need it and not have it.
AmnChode said:
Better to have it and not need it, then need it and not have it.
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That is an extraordinarily irrational attitude toward spending. Why not then buy a second phone to: "have it and not need it"?
The fact is the insurance companies have already figured out whether you will "need it." They have the data and statistics. They figured out the odds, built them against you, added profit, overhead, fraud etc
And again this entire post relative to non TEP holders is for phones bought after Oct 25, sprint can't retroactively change existing purchases and charge for what they specifically advertised for as free when n those purchases were made. Sprint specifically said warranty work would be zero cost without TEP to people buying before last week.
aero1 said:
That is an extraordinarily irrational attitude toward spending. Why not then buy a second phone to: "have it and not need it"?
The fact is the insurance companies have already figured out whether you will "need it." They have the data and statistics. They figured out the odds, built them against you, added profit, overhead, fraud etc
And again this entire post relative to non TEP holders is for phones bought after Oct 25, sprint can't retroactively change existing purchases and charge for what they specifically advertised for as free when n those purchases were made. Sprint specifically said warranty work would be zero cost without TEP to people buying before last week.
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No its not irrational. Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?
scriz said:
No its not irrational. Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?
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I'll save the couple hundred dollars I'd spend total with TEP, pay the $35 and wait a few days.
I'm a single dad with two kids...the money's more important than the phone.
scriz said:
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?
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No it isn't. Car liability insurance protects you from loses in the millions, loses that do NOT decrease over the lifetime of your ownership.
Your phone goes from $600 to ~$200 in a year. The $600 phone I bought 18 months ago sells for $50 ebay.
scriz said:
Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
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You are confused about Sprints coverage in order to rationalize an irrational purchase. Last time I walked into a sprint store with a non functional phone -- and I have NO TEP or insurance with them, I walked out with a new in box 20 minutes later and paid no fee whatsoever.
You can't argue against the math. That it is not worth it and costs the average user more than benefit is an objective fact. If it weren't, it would cost more.
Please don't call the math irrational, when it is purely rational and the basis for profit of insurance companies, who employ better mathematicians and statisticians than NASA.
Al;so you are incorrect about the $35, that fee only applies to customers who purchased after Oct 25. (and even so it is worth it.)
aero1 said:
Al;so you are incorrect about the $35, that fee only applies to customers who purchased after Oct 25. (and even so it is worth it.)
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Just to put it out there, I am a technician at a Sprint corporate store and we definitely charge the $35 even for those phones purchased before the date.
ramsestut said:
Just to put it out there, I am a technician at a Sprint corporate store and we definitely charge the $35 even for those phones purchased before the date.
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Thank you. I was about to post the same thing.
People, it doesn't matter when you purchased your phone. If you do not have TEP you will be assessed a $35 charge. And now, at least at my store, if a person comes in wanting to have their phone looked at under the manufacturers(sp) warranty, we provide them with the phone number to the specific manufacturer, andvise them of the 1-3 week wait period and inform them once again about the benefit of TEP. The only bright side is that after the initial $35 charge you now have 30 days in the event you do want to add the TEP to prevent any future hassels.

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