T-Mobile/Assurant denied Insurance claim - am I screwed?

Why would you tell them anything other than, "I just dropped my phone" and need a new one?

What is "Jump" ?
If you have a contract, another carrier may offer to pay off your current contractual obligation.

I've been with Verizon for 20+ years, and only used the insurance 1 time, back then, it was a $50 deductible for a $50 phone.... I dropped insurance coverage, and always just buy my phones used...

Insurance, for the most part, is a loosing game.

 

This may seem dumb but do you have home insurance? Check with your insurance company because "some" (Not all) policies cover cell phones. I never knew but some people in other forums have stated they were covered. I'm not even sure if mine is covered lol because I haven't checked.

I agree with AZ...I never buy phone insurance. Deductibles as high as $150-$200? Not even worth it, esp paying what $7-$10/month???

 

Sort of like, lie to the insurance? Maybe scam them a little?

 

All exclusions, including time limits on making claims, should be clearly stated in the policy document. If not then you may well have cause for complaint to the insurance company.

The same could be said for any insurance... until one needs to claim. It also depends on the policy; not all cover is equal.

 

Contact T-Mobile directly ask them about it or talk to the insurance dudes again they opened mine again after 6months

 

Um if your still paying for insurance on a phone it should still be covered. Just file another one. Drop it again and be like its worse or you didn't notice the crack at first until now and the bigger one is crazy as the phone is now completely unusable compared to before it might have been usable first time you dropped it.

 

Drop it in water. Make a water claim. Just say it slipped from your pocket and into a puddle. And now it doesn't work at all.
What's the worst that can happen at that point?
Maybe deny that claim also?

Just a thought. Don't do it though if you don't know it will bee a good outcome.

 

Ask T-Force rather than the store.
https://support.t-mobile.com/thread...ortOrder=0&filterID=all~objecttype~objecttype[thread]&start=40

They do a lot better than the stores. You can also access them on Twitter or FB. They will do email. They've solved problems for me even when the help center couldn't.

The rest, I can't say. I buy unlocked phones so they are my responsibility and not TMOs.