READ FIRST BEFORE FILING INSURANCE CLAIMS THRU ASSURANT
For anyone requesting a replacement phone for a defective phone, you may want to consider opening a lost/stolen device claim instead of a defective replacement claim. Read your insurance documents to ensure this is true for you. They are provided on the Assurant claim site when filing a claim after entering your device details. For lost/stolen claims, you'll receive your replacement for the same deductible charged if you opened a defective device claim without the responsibility of returning the defective device back to Assurant. By responsibility, this means being responsible for any and all charges if the device does not make it back to Assurant. This charge for a non-returned item can be as much as half or more of thereturned device's cost if purchased brand new If you have a tier 6 device, this can end up being a surprise charge of $600 on your phone bill that you'll be responsible for paying as Tmobile or any phone carrier using Assurant for the services can do nothing about except shut off your services if you refuse to pay. So to make all those monthly insurancepayments worthwhile, do yourself a favor and never file a claim to replace a defective device. Always file the claim for a lost/stolen device.LG Q7+ Deductible $99?
Why on earth is the deductible for the LG Q7+ phone the same cost as a new unlocked phone of the same model at Walmart? Please explain why I'm paying an extra 15$ a month for my kids phone just to have to pay the full purchase price for the phone to replace it? This was a shock and completely upsetting. And to make matters worse, I have received NO explanation from either Assurant or TMobile. This is a sham. I can't believe you would do this. It shouldn't be a tier 3 phone if you can purchase it for the SAME COST UNLOCKED at Walmart!!!
