I've been paying for so called "insurance" with my cell phone plan for YEARS. Last year I had to file my first claim ever, when my cell phone was stolen. I allegedly received a 'new' replacement phone under my insurance coverage.
A couple of days ago my cell phone instantly died without any damage being done and without any warning whatsoever.When I went to a repair shop, they inspected the phone and determined that it wasn't 'new' when I received it; it was refurbished and had apparent internal evidence of previous water damage, that I know for certain I have not caused in the time that I've owned it.
The repair shop owner explained to me that Asurion Insurance Company deals in refurbished, water damaged phones, passing them off as NEW to the insured. He said they don't disclose this to consumers, as was the case with me. He said the motherboard is basically a ticking time bomb in these phones and it's only a matter of time when it shorts out because water damage gets so far inside. He said there is no one I can complain to and nothing I can do against Asurion because they are too big and this is too widespread of a problem...they are doing it to millions of people!
If you have cell phone insurance, ASK them if the phone you are getting is new or refurbished. MAKE them give you a NEW one and MAKE them certify that in writing; so if you can proove they lied, maybe you can come back to them when it dies and hold them responsible.
Most of all: DON'T TRUST THEM!!!!!!!!!
Product or Service Mentioned: Asurion Cell Phone Insurance.