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Re: READ FIRST BEFORE FILING INSURANCE CLAIMS THRU ASSURANT
Not at all. Its actually to deter people from getting insurance if they dont have to, however, carriers get you by leasing out the phone to you which forces you to get insurance until the phone is paid off. Once the phone is paid off, it seems like a smart idea to insure the phone in case something happens. Until you get charged an exorbitant fee because the insurance company didnt receive their free phone. Im detailing the differences and responsibilities based on a the claim type as well as the gray area insurance companies use against people where they should be somehow responsible or take responsibility for the insured items in exchange. In my case, I had sent a defective phone back using the insurance company provided packaging and label with the instructions to send it back (no special requirements on how, where or what way except using the carrier service of the provided label). My package was lost/stolen and never arrived at their facilities. In that instance, my phone is lost/stolen, however, due to the original claim Ive now become responsible for the lost item(fully owned, paid in full) and now owe the insurance company $600 on top of the deductible paid to receive my replacement device. In no way should any company be able to charge a client for an item they didnt receive, never owned or had any investment in the property. The cost of the item sent as a replacement is covered by the deductible and monthly investment the owner pays to insure their device. But they do, and get away with it while the person is left to pay out an amount that would've bought them a new phone. If the phone doesnt work and you need it replaced. Throw it away. Its a lost cause and lost. Keeping possession of a broken item youd never use and cant be fixed is the crime.12Visto0likes0ComentariosREAD 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.Re: Assurant Damaged Device Returned - Not Recived
psmckelvey wrote: 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 USPS using the label they provided. I called after receiving the second notice that the phone was not received as it should have been delivered by then. Turns out it had been delivered on 2/11/2020, but there was no phone inside the envelope. I called Assurant and was told that the envelope was sealed, but that the ends were opened. Sounded to me like the way they probably open these when they arrive and process the claim. Regardless, they said i would have to file a claim with USPS and that if they did not find the phone i would be charged non returned fee for it. I asked them to share there notes with me, so that i could use them when filing a claim with USPS, she said she could not. I asked that the call be escalated and the manager proceeded to tell me that was correct and that USPS has a contact with them and they could share information directly with them. At this time she also said that the envelope was not opened, but referenced tampered claim. As requested I have submitted the claim with USPS, but we are almost at the 30 day mark so they will be passing a fee to T-Mobile and 15 days later it will be billed and they can not undo it even if USPS finds the phone. To say i am unhappy with Assurant is an understatement as they are going to charge me up to $600 for the damaged phone that i know was returned. I have been a long time custom with T-Mobile and have had a couple of claims over the years and have had no issues with the damaged phone being received by Assurant. I do not want them to pass a charge over to T-mobile for something that i know is incorrect. I am asking T-Moble to review my account and help me resolve this with Assurant. Tmobile couldnt do anything for me but close my account for delinquency which went to collection because i refused to pay for my phone a second time. Its stupid because I filed a lost/stolen claim before my last claim, paid the same deductible and got my replacement with no hassle. Lesson learned. Always file as lost/stolen device when you need a replacement. Any other claim is just a trap!4Visto1like0ComentariosRe: Assurant Damaged Device Returned - Not Recived
Same. Returned a defective phone that I fully own and paid off which never made it to their warehouse. They hit me with a 550-600$ 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 disputingand 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 and 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?4Visto1like0Comentarios