July is a bad month for cell phones, according to insurance company Asurion
posted by Alan F. / Jun 28, 2012, 9:59 AM
water is your phone's enemy and in some parts of the country, it rains nearly every day. Some of the newer models like the Motorola DROID RAZR, have been protected against minor water damage by internal nanocoating of the circuitry inside the device.
Besides using a waterproof case to prevent your phone from drowning, and using a cell phone cover to protect your investment from scratches, Asurion says a good protective screen cover will also protect the display from scratches that interfere with the readability of the screen. Altogether, you can spend less than $50 to protect a smartphone that would cost you $500 to $700 to replace.
Posts: 61; Member since: Aug 24, 2011
How about this for a reason: A lot of hot new phones come out in June/July each year. Could the data just show that people who have insurance are damaging their phones to get a cheap upgrade?
posted on Jun 28, 2012, 10:32 AM 3
Posts: 19; Member since: Mar 11, 2010
Asurion replaces the phone with the same phone or comparable model. Intentionally damaging the phone won't get them an cheap upgrade.
posted on Jun 28, 2012, 10:41 AM 0
Posts: 1034; Member since: Mar 30, 2012
Heat damage is also a big issue in the summer. Phones can overheat in someone's pocket when it's 90 some degrees outside.
posted on Jun 28, 2012, 10:46 AM 2
Posts: 27; Member since: Mar 31, 2010
Ugh, I hated working in-store during a holiday weekend - explaining who Asurion was, the difference between insurance and warranty, the claims process, and the dreaded deductible. Fortunately, they do (at least then they did) overnight shipping, which is great for claims made on weekdays, but telling a customer Saturday evening they should receive their replacement device from Asurion on Tuesday was the worst. "Well, if I'm gonna be without a phone for three days, I should get some kind of credit toward my bill!" *Nicely* explain that it's not the carrier's fault that their phone is damaged, and that a credit is not warranted. Offer to activate previous device - it doesn't work anymore, that's why they got the new one, or they just came over from another carrier. "You don't understand, I run my business from this phone!" I had no idea how many "business owners" there were until I worked for a carrier. Honestly, though, if your revenue stream is reliant on one line of communication, and you don't have any contingency in place, you probably shouldn't be in business. There is a loophole for those weekend claims, though. Asurion has a hotline setup for store employees to call when a customer can't wait overnight or weekend for their replacement. This line is only to be used in emergency situations (e.g., close relative in hospital, or you're an RN at the local ER who's on call 24/7). I would call in and state the customer's circumstances. Asurion, though, reserves the right to deny an in-store claim, so you had better have a *good* story [note: I am not endorsing fraud]. I would then hand the phone over to the customer and they would give the rep their credit card info to pay the deductible. Meanwhile, I would grab a new device out of the inventory room, and ring it out at full retail. Once the deductible was paid, I would get back on the line with the Asurion rep who would pay for the device with a company credit card. A few minutes later, the phone was activated, and the customer left a happy camper. Most of my coworkers seemed unaware of this process. I don't even remember how I came across it - I know it wasn't covered in training. Maybe it was buried in one of those company emails that no one reads. I recommend always keeping a backup phone or two handy. Grab a cheap one off CL or just get a burner for the weekend.
posted on Jun 28, 2012, 11:32 AM 4
Posts: 3131; Member since: Jan 12, 2010
This is why I always have a secondary phone. Even if it's not high end and expensive at least you don't screw yourself over.
posted on Jun 28, 2012, 2:46 PM 1
Posts: 27; Member since: Mar 31, 2010
True, true. Though, you do want to make sure your backup is somewhat comparable to your regular device. For example, I currently carry a smartphone with unlimited data (grandfathered), but if I activate a basic flip phone while I await my insurance replacement, I'll lose the unlimited data feature, and will be forced to sign up for a tiered data plan when I activate my replacement smartphone. Fortunately, my backup is another smartphone.
posted on Jun 28, 2012, 3:23 PM 0
Posts: 26; Member since: Nov 23, 2011
Another solution would be to add a line of service, switch the phone #'s, then undo everything when the replacement phone arrives. Even if you end up paying a few bucks in fees, it might be worth it to get you thru your crisis. And yes, I also echo the suggestions to always carry a backup phone. If you truly are running a business and that is your only mode of communication, then you can afford another phone (conversely, you can't afford NOT to have a backup). Another solution to this is get a Google Voice #, display that as your primary business line, then you can your mobile, home, spouses, friends' number, etc to your account for phone forwarding. It's really not that complicated.
posted on Jun 29, 2012, 1:36 PM 0
Posts: 1918; Member since: Dec 07, 2011
That smashed BB Storm is what I always dreamed of doing to my Storm. Damn that was a piece of crap. As for insurance claims it could also be people doing scams for a new phone or selling on Craigslist only to report it stolen afterwards (heard of cases of such).
posted on Jun 28, 2012, 9:45 PM 0
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