Question 1:
Quote:
Originally Posted by bjanow
Let's say Verizon bricks your phone, aka Apple. Did you not, in fact, lose your phone?
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IF Verizon were the party responsible for the bricking of your phone then it would fall to their insurance policies they have over their property. Chances are A customer Service role would step in to remove this from your concern while they handle it internally. Ultiamtely Your insurance policy woudl be uninvolved.
Question 2:
Quote:
Originally Posted by bjanow
Let's say you brick your phone or can't upgrade. Isn't it lost?
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IF you brick your phone by performing any type of activity not condoned in your insurance policy they will not be held liable. Therefor to lie about such would be misrepresenting what actually happened, ergo, committing fraud.
The following is an example of what will not be covered:
Code:
i. Programming, Repair Work
Programming, cleaning, adjusting, repairing,
modifying, or performing any other work
upon Covered Property.
Question 3:
Quote:
Originally Posted by bjanow
If you got mad at it because it didn't work and threw it on the ground, isn't it damaged?
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No this is considered intentional damage and will not be covered as described below.
Code:
l. Intentional Loss or Damage
Damage to Covered Property which is the result of it
having been used in a manner inconsistent for which
it was designed or intended by the manufacturer. We
also do not cover damage that is intentional or the
result of abuse.
Question 4:
Quote:
Originally Posted by bjanow
How is this wrong morally?
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Morally? Who cares. Legally, it is wrong because it violates the contract agreement you entered into when signing up for the Equipment coverage.