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Old October 6th, 2012, 03:30 PM   #1 (permalink)
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My daughter's Dinc2 got wet during a rainstrom. The phone died despite placing it in a bag of rice. I called Asurion to get a replacement. I was told I was being denied a replacement because the device was not insured. I was shocked to hear this, as I have insurance on all 4 devices in our household (so I thought). Asurion said no and sent me on my way.

I then call Verizon. The Verizon rep confirmed the device was not insured. According to her notes, I declined insurance when I opened the line for my daughter. I tried to argue, asking her why I would decline this policy, while having policies for the other 3 devices. She was cordial, but said there was nothing she can do. She then suggested I use an upgrade, but I refused. She also suggested I go to the store I purchased the device (corporate), as their notes may be more detailed than hers. I don't know how that is possible, but whatever.

My question is, if you decline insurance, doesn't Verizon require a signature stating you refused to take out a policy? If so, can't I demand to see where I signed off on not taking this policy? Thanks.

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Old October 6th, 2012, 03:35 PM   #2 (permalink)
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My daughter's Dinc2 got wet during a rainstrom. The phone died despite placing it in a bag of rice. I called Asurion to get a replacement. I was told I was being denied a replacement because the device was not insured. I was shocked to hear this, as I have insurance on all 4 devices in our household (so I thought). Asurion said no and sent me on my way.

I then call Verizon. The Verizon rep confirmed the device was not insured. According to her notes, I declined insurance when I opened the line for my daughter. I tried to argue, asking her why I would decline this policy, while having policies for the other 3 devices. She was cordial, but said there was nothing she can do. She then suggested I use an upgrade, but I refused. She also suggested I go to the store I purchased the device (corporate), as their notes may be more detailed than hers. I don't know how that is possible, but whatever.

My question is, if you decline insurance, doesn't Verizon require a signature stating you refused to take out a policy? If so, can't I demand to see where I signed off on not taking this policy? Thanks.
Unfortunately if Verizon is like most other carriers, a signature isn't required for a decline of insurance.

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Old October 6th, 2012, 04:21 PM   #3 (permalink)
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No, Verizon doesn't require a signature for declining insurance. You're best bet is to go through your post bills, and see off you were paying for premiums for insurance on 3 phones or 4. If it was 3, you clearly did not have insurance. If it's 4, you have something to work with.
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Old October 6th, 2012, 04:31 PM   #4 (permalink)
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No, Verizon doesn't require a signature for declining insurance. You're best bet is to go through your post bills, and see off you were paying for premiums for insurance on 3 phones or 4. If it was 3, you clearly did not have insurance. If it's 4, you have something to work with.
Ugh. It appears this line wasn't charged insurance. Hopefully I can dig up the original sales receipt.
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Old October 6th, 2012, 07:17 PM   #5 (permalink)
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Ugh. It appears this line wasn't charged insurance. Hopefully I can dig up the original sales receipt.
It probably doesn't really matter what the original sales receipt says. If you haven't been paying the premium for all these months, that's what Verizon and Asuron will be hanging their hats on. They will say it was your resposibility to be sure you were paying for it.

Best of luck whatever you decide to do,
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Old October 8th, 2012, 06:03 AM   #6 (permalink)
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Sorry, sounds like you got unlucky, as the one line with no insurance was the one you needed it on.
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Old October 8th, 2012, 07:38 AM   #7 (permalink)
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Meh. Gonna have to suck it up an buy a phone. Not sure how that slipped by me.
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Old October 10th, 2012, 01:28 PM   #8 (permalink)
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I would suggest trying to buy a used Verizon phone from Ebay or Amazon, just so you don't have to pay full price
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