Forum Discussion
Assurant Damaged Device Returned - Not Recived
I filed a claim with Assurant in early February 2020- they denied it at first then after another call they approved it. I received the replacement and returned my damaged phone on 2/7/2020 via U...
Same. Returned a defective phone that I fully own and paid off which never made it to their warehouse. They hit me with a 550-600$ charge for 1) a device I owned and pay a monthly fee to be insured and 2) a device that was lost/stolen after it left my possession which was packaged in their provided packaging and shipping label.
Now i have a collection charge of $8xx messing up my credit I'm disputing and lost my service because I refused to pay for a situation like this, especially being a long time, happy client of tmobile.
In these situations, the insurance company needs to step up y instead of charging the client practically the full cost of a new phone, change the original claim from defective replacement to lost/stolen device, deactivate the defective device, and call it a day.
The deductible we pay is no different whether the device is reported lost/stolen vs. defective replacement.
***Beware*** The following is just me venting 😠🤪😂😅😕😐🙄
The only difference is in one situation the person gets a replacement phone right away and walks away without any further responsibility for the insured device, whereas, the other situation requires the claimant to take further responsibility for the unusable device and return it safely to the insurance company by walking into the post office, requesting and paying for certified/signature required delivery to ensure the paperweight arrives at the insurance warehouse so they dont get hit with an extravagant charge that would buy a new phone.
What's the point of replacing a phone if the whole time you can just buy a new phone using the money saved from the monthly insurance coverage payments, deductible, and fee for unreturned device?
