[Q] Insurance or with one? - T-Mobile, Samsung Galaxy SIII

I am thinking to get Ensquared insurance because I worry my phone get stolen, or accidentally crack the screen . And mainly need it for the 2nd years. (No more manufacturer ensure.) However, that mean I pay more for the phone over all.
Right now there are several app that allow to track phone location, the protector case and screen protector are pretty high quality.
Should I still get insurance on it or not?

SGT2012 said:
I am thinking to get Ensquared insurance because I worry my phone get stolen, or accidentally crack the screen . And mainly need it for the 2nd years. (No more manufacturer ensure.) However, that mean I pay more for the phone over all.
Right now there are several app that allow to track phone location, the protector case and screen protector are pretty high quality.
Should I still get insurance on it or not?
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Click to collapse
I got Ensquared for my s3, i have yet to test their respond in time of need but i heard good reviews about it.
Also you can protect you phone from physical damage but what about accidental water damage? and when phone is stolen no one keeps it turned on so your tracker apps will be useless. go with insurance, it will cost you half the price of phone but its better than paying full for new phone in time of need.

Related

Phone stolen/phone recovered/phone wet--NOW WHAT?

It is bad news , then good news, then bad again. My phone was stolen from where I work. It was found 5 hours later. It was really wet when it was found. (we don't know how it got wet, nor for how long it was in water..)I dried it off, put it in rice for 48 hours...I have turned it on, and it stays on for about 3 min. Then it shuts off. It will not start up again unless I take out the battery. And will do the on thing for 3 min again, etc...
So I have questions...If I keep this thing in rice for a longer period, does it have a chance of working? I filed a police report. I have a case #. What are the chances of HTC covering this by warranty? The water indicator mark on the phone itself is pink/red. The battery is pink cross-haired. It doesn't look as pink as the phone unit itself.
I called HTC just now. They are closed until Monday. I just wanted to get some varied opinions. Thanks.
well first question is, do you have insurance for the phone? i dont think HTC would take care of it as of they only replace if the phone has defects, but insurance would, theyll be your best friend in situations like this, happened to my Touch Pro, i put the sucker in rice for 5 days and its working great, only thing is that there still some spots left from the water on the screen, but its barely noticeable, but the day it got wet, called up AT&T and they said theyll send me a new phone, which how i ended up having a Tilt 2
also to add on to this, i dont think the cops can find out who stole it who knows....someone can come up and admit it....
my phone was stolen about a month ago...i just called tmo and submitted a claim via asurion...from your sig, it appears this may not be an option for you...
chances are, they will deny your claim, as the phone is in you possesion and is wet. how are they to know that your phone was stolen as opposed to you getting it wet. as a former claims adjuster, that's how I would view it.
lastly, do you have a cell phone repair shop in your area, it may be worth your while having them take a look at it, rather than getting htc involved...
if you have asurion insurance they shouldnt deny you a claim but it may be different in the area you live in, for me with sprint i must pay a $100 deductible but it covers theft, physical damage, and water damage for a replacement
No, I do not have any insurance on the phone. I have Home Owner's Insurance, but I believe my deductible is prob pretty high.
I don't know about Asurion. It looks like they cover the Carrier's phones, not an unlocked one.
I was in hopes that HTC would cover it since I didn't get it wet myself. It was stolen from my office at school...( a &*#@ student did it). Since I have a police report and case #, I can verify that it was stolen and discovered "wet." You don't think HTC would accept that? I mean, it is all true.
It is so discouraging.
Rock and a hard place
i<3myphone said:
No, I do not have any insurance on the phone. I have Home Owner's Insurance, but I believe my deductible is prob pretty high.
I don't know about Asurion. It looks like they cover the Carrier's phones, not an unlocked one.
I was in hopes that HTC would cover it since I didn't get it wet myself. It was stolen from my office at school...( a &*#@ student did it). Since I have a police report and case #, I can verify that it was stolen and discovered "wet." You don't think HTC would accept that? I mean, it is all true.
It is so discouraging.
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It's unfortunate what happened yes, but HTC only feels responsibility to cover repairs that are related to faulty manufacturing...even though you can prove that it's not your fault the phone was stolen or damaged, those are both issues that only some type of insurance would cover, I'm sorry to say. Assurion is the company that provides harware insurance to most of the major carriers, but yes I think it's only offered on phones bought from/through the carrier itself....you would know if you had it because there'd be a small (~$10) charge on your bill each month for it.
What if I got a Square Trade warranty?
i<3myphone said:
What if I got a Square Trade warranty?
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Well sure if you had that on the phone then you should be just fine...their terms clearly say they cover immersion, so they shouldn't give you any hassle about it. Although, I do see that their fine print states "unlocking a cell phone after purchase will void the warranty"...so don't know if you might get a hassle for the custom ROM, or if they only care about carrier unlocking.
Now, if you don't have the Square Trade warranty yet and were thinking about purchasing it and then submitting this claim, they might have an exclusion period where you can't make a claim within the first x number of days after buying the warranty, if the phone isn't brand new when you purchase the coverage (that's not unheard of in the 3rd-party warranty business)
EDIT: Yes, they do have a 60-day exclusion period...anything happening in that period is considered to be "pre-existing". And, it looks like you have to purchase the coverage within the first 30 days after the auction that you bought it from.
Suggest you do the following:
1) Batteries are easily damaged by water and can become a silent fire hazard, so remove and dispose of the battery Leave the back cover off the phone.
2) Give the phone a very thorough bath in distilled water (no soap or anything) to remove any contaminants. Optionally, disassemble phone first.
3) Shake as much water as possible out of the phone
4) Wrap phone securely in paper towel
5) Place phone in a bowl of instant rice, and cover bowl with plastic wrap
6) Put bowl in a sunny place
7) 24 hrs after there is no more condensation on the plastic wrap, your phone is as dry as it ever is going to be
8) Put new battery in phone, replace cover, and charge for full charge cycle
With a little luck, your phone will be working as good as new.
Thanks. I will try above steps. I will keep you posted here.
So out of curiosity, I tried the phone again. It comes on for 3 minutes, then goes blank. (shuts off) While it is on, the phone itself gets really hot, as well as the battery when I remove it. What is this a sign of?
i<3myphone said:
So out of curiosity, I tried the phone again. It comes on for 3 minutes, then goes blank. (shuts off) While it is on, the phone itself gets really hot, as well as the battery when I remove it. What is this a sign of?
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Did you try following the advice where it said to replace the battery? You can get them dirt cheap on ebay if you havnt. I would try that first myself as that would save a lot of time AND money if thats all it is.
You also might be able to get a new battery from your carrier. I've heard of people walking in and saying hey I only get so many minutes out of my battery and they just give them a new one. I would go in NOT say anything about dropping your phone in the water and saying the battery only lasts three minutes, then show them how it turns off after. You may end up getting a free one.
Again thats assuming you bought it from your carrier and not direct from HTC. If you didnt.. ebay!
I finally got a different battery put in the phone. I also did a hard reset. The phone went thru the process of booting up, setting up phone for 1st time, etc...it stayed on for about 5 min. Then.....BLACK...BLANK screen. Now when I try to start it up, it will only last about 60 seconds.
Suggestions on what to do next? Thanks.
Time for a new phone!!
Aaron McCarthy said:
Time for a new phone!!
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Yeah, it's time to throw in the towel on this one I'm afraid
EDIT: I don't see for sure that you followed steps 5-7 in datawrhsdoc's instructions above...did you? It may be past that point yet, but it's the only other thing that might have had any chance of helping you
I had already done the rice trick. Thanks for following up. dang this just pisses me off.
yeah, if you turned on the phone while the electronic components were wet, chances are something fried inside. time for a new phone.
and why would htc pay to repair this phone? warranty only covers manufacturer's defects.
on the positive side, you can find tp2's for about 250.00 right now.

Question about TEP returns

I have a couple of questions when it comes to the deductible and TEP replacement.
1) Drop damage - I dropped my phone on some pretty rough concrete, scuffed up a corner pretty bad. If I sharpie it it's not really noticeable, but I was wondering if they'll charge me my deductible for that.
2) Water damage - I may have (idk) tripped my internal moisture sensor... left my phone in my pants pocket during a shower, and it was pretty damp when I pulled it out.... I'm not sure how easy those are to trip though. I assume this would result in a deductible charge though?
newalker91 said:
Cosmetic damage such as a corner scruff is not covered, not even with a deductible. Just something you have to live with. As for moisture sensor you can check it yourself by looking at your battery.
It's very difficult to damage your device with air moisture. I take my device into the shower multiple times per week and lay it on the edge of the tub on a wash rag to listen to music while I shower. I keep a Trident Aegis case on it (all ports covered). Had it since October and when I opened it to upgrade my cameras the internal indicators were still pristine.
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Wasn't wondering so much about returning it FOR the damage as I was about returning it WITH the damage.
As for internal indicator: Is it white by default? Mine has little red X's on it, though the battery sensor is blank.
Can't you just say you lost it?
1) TEP DOES cover water exposure. I know from experience and it was posted on here by sprint tecs.
2) If your phone is damaged and your going to turn it you might as well say you lost it. You will have to pay the same either way, but you get to keep your old one for parts.
brekec88 said:
1) TEP DOES cover water exposure. I know from experience and it was posted on here by sprint tecs.
2) If your phone is damaged and your going to turn it you might as well say you lost it. You will have to pay the same either way, but you get to keep your old one for parts.
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As a Sprint Repair tech i can answer this for ya
1) TEP does cover the water damage but it through assurion for a claim and a deductable of $100.
2) If it's an inhouse exchange you can get it done for free by bringing in your old device, we order a "new" one and then trade you for your damaged one. However if your going to claim lost or stolen that chalks it back upto having the assurion company involved again for the $100 deductable. Hope this helps and if you have anyother questions about it you can shoot me a PM

Dropped Galaxy S3. Insurance?

Sadly, I dropped ma baby! ): er actually, a friend dropped it. from about 3 feet on concrete. My poor Galaxy that I've owned only since 7/1 that ive babied with my invisible shield all of its life broke. But no. not in the way you'd expect. the LCD broke. Upon removing my shield i notice that the digitizer is still in tact, not a scratch on it in fact. just 3 hairline cracks you can see in the lower left hand corner. Leaving only one question, does the Premium handset bundle cover this? and how much would the deductible be?
Thank you - Frustrated Owner.
Fix it yourself. $20 costs the screen. There is a video here how to do it. Not difficult at all. Otherwise u gotta pay $80 (thats what they quoted my friend) he had tmobile insurance.
Sorry for your loss
Oddly enough, a very similar event happened to me recently. GSIII took a 3 foot fall on the street and i had a full Skintomi shield on it, but that's not enough apparently. Cracked the screen, which spidered across the entire screen. But man, if my "friend" did it like yours did, i think i would be half a step shy of killing them!
Good news is, if you have insurance it should be fully covered but unfortunately it's a 130 dollar deductible. The process itself is pretty painless and Asurion is FAST. i broke my phone on a Wednesday, they had one on my doorstep Thursday morning. And it was a brand-spanking-new device. To start, go to www.phoneclaim.com
Or you can try to change the glass yourself like lazarat suggested. But personally, i know that i'm not handy enough to do that. Good luck
Tmo deductible is $130. I'm surprised by how many people sign up for the insurance without reading how much the deductible is, I guess thats how they make their money though. Are you sure the LCD broke and not just the glass?
Replace glass
http://forum.xda-developers.com/showthread.php?t=1904562
The 130$ isnt bad however if you have your phone stolen. No?
lazarat said:
Fix it yourself. $20 costs the screen. There is a video here how to do it. Not difficult at all. Otherwise u gotta pay $80 (thats what they quoted my friend) he had tmobile insurance.
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That's just the glass/digitizer, not the actual LCD.
I dropped mine on concrete yesterday morning while working on my car. Luckily I have it in a case-mate tough case. I expected some damage, but when I picked it up and wiped it off there wasn't a single scratch. I don't want to keep tempting fate, so I got a better belt pouch that fits it properly.

Shattered Screen - TEP or DIY?

Well, I got stuck in a hailstorm in GA yesterday. I ended up Sprinting (ha get it?) to my car and the phone fell out of my pocket. I actually didn't realize it until moments later. I found it in a river flowing through the parking lot. Fortunately, the glass was the only thing damaged. LCD still works perfectly. No water damage either! Not sure if it was the fall or a hailstone that did the damage to the glass. I have Sprint TEP (just signed up through open enrollment this month thankfully). However, I am confident that I can do the repair myself. My question is this...
Is the image quality noticeably diminished by replacing the screen with a non-OEM screen? I know it wont be Gorilla Glass 2 and it won't have the proper LOCA adhesive between the glass and the digitizer. I am happy to pay the $150 deductible if the image quality and gorilla glass are worth it. Has anyone replaced their own screen who can attest to the display quality before and after? Thoughts on whether I should replace it myself or file a claim with Asurion?
ctasich said:
Well, I got stuck in a hailstorm in GA yesterday. I ended up Sprinting (ha get it?) to my car and the phone fell out of my pocket. I actually didn't realize it until moments later. I found it in a river flowing through the parking lot. Not sure if it was the fall or a hailstone that did the damage. I have Sprint TEP (just signed up through open enrollment this month thankfully). However, I am confident that I can do the repair myself. My question is this...
Is the image quality noticeably diminished by replacing the screen with a non-OEM screen? I know it wont be Gorilla Glass 2 and it won't have the proper LOCA adhesive between the glass and the digitizer. I am happy to pay the $150 deductible if the image quality and gorilla glass are worth it. Has anyone replaced their own screen who can attest to the display quality before and after? Thoughts on whether I should replace it myself or file a claim with Asurion?
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If you found it in a river, I'd be a bit more concerned about water damage. It still turns on/runs fine and the screen is just cracked? Or is it not turning on?
I know that the screen used to run for about $100. For me, I'd probably prefer to have a refurbished phone than try to do the repair myself. For me, the $50 more is worth the saving of trouble/time/risk of screwing up the install.
But I know of some people on XDA who have installed it themselves and have loved it, so it might be worth it.
topherk said:
If you found it in a river, I'd be a bit more concerned about water damage. It still turns on/runs fine and the screen is just cracked? Or is it not turning on?
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It's fully functional. No damage to anything but the glass. I immediately pulled the battery when I got it back. Fortunately, it wasn't in the "river" too long!
topherk said:
I know that the screen used to run for about $100. For me, I'd probably prefer to have a refurbished phone than try to do the repair myself. For me, the $50 more is worth the saving of trouble/time/risk of screwing up the install.
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It looks like I can get all the equipment needed to do the replacement myself for around $50. I am confident I can do the replacement. I am just worried about the image quality since I wont be using an autoclave + LOCA. Also, the lack of Gorilla Glass 2 would be somewhat of a deterrent. Not sure if these are valid concerns and worth the $150 deductible though. Hoping others who have done the replacement will chime in as well.
http://www.amazon.com/Samsung-T-mob...id=1363724364&sr=8-1&keywords=galaxy+s3+glass
Go to Amazon, get the glass, read some instructions, watch some videos and take your time, its easy.
evoer said:
http://www.amazon.com/Samsung-T-mob...id=1363724364&sr=8-1&keywords=galaxy+s3+glass
Go to Amazon, get the glass, read some instructions, watch some videos and take your time, its easy.
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Click to collapse
I have done all of this so far. Definitely think I can do the replacement myself, but I'm more concerned with image quality afterwards. The new screen isn't GG2 and it wont be bonded to the underlying digitizer. From what I understand, this diminishes image quality slightly. Anyone notice if that's true? If so, to what extent?
Also, does anyone know what this will do to my TEP? Would it invalidate any future repairs?
If it got soaked in a puddle.....GET A NEW PHONE!!!
kayakaddict said:
If it got soaked in a puddle.....GET A NEW PHONE!!!
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Thanks for the concern, but I immediately pulled the battery and dried it off. There appears to be no water damage.
No case was on the phone I'm assuming?
Sent from my SPH-L710 using xda premium
xbmoyx said:
No case was on the phone I'm assuming?
Sent from my SPH-L710 using xda premium
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I had a case with minimal coverage (since I had a Curved Crystal SGP SP on it). I used the Rock Quicksand:
http://www.amazon.com/Rock-Quicksand-Composite-Poly-carbonate-Samsung/dp/B0089E283G
ctasich said:
I had a case with minimal coverage (since I had a Curved Crystal SGP SP on it). I used the Rock Quicksand:
http://www.amazon.com/Rock-Quicksand-Composite-Poly-carbonate-Samsung/dp/B0089E283G
Click to expand...
Click to collapse
Nice looking case. Sucks about your phone. I have an Otterbox defender with a Zagg shield I pray if this scenario happened go me it would protect it, I've got no insurance $150/deduct is robbery.
Sent from my SPH-L710 using xda premium
Update: I spoke with a representative at a Sprint store that I used to visit when I had an Evo 4g. They put my name on a list to replace the screen (free of charge since I have TEP) when someone comes in with a working screen. This is unlike any other Sprint store I've called. I'm not sure it's typical service, but hopefully it pans out! It's a third party official service center, so I guess they aren't bound by the same rules Sprint stores go by?

Warranty Question

A few weeks ago my phone was dropped while cleaning out the weird gunk that build up in the case and the back glass got cracked. I can live with that, but my phone just turned off and won't turn on if not plugged in. This isn't my first replacement and usually when I have an issue, I just call in and they send a new one free but will it be different this time? Am I doomed to pay the $175 ? Much obliged for the assist in advanced.
Any crack/physical damage & they will make you pay the deductible through your insurance plan.
Singin' Bluebird said:
A few weeks ago my phone was dropped while cleaning out the weird gunk that build up in the case and the back glass got cracked. I can live with that, but my phone just turned off and won't turn on if not plugged in. This isn't my first replacement and usually when I have an issue, I just call in and they send a new one free but will it be different this time? Am I doomed to pay the $175 ? Much obliged for the assist in advanced.
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Click to collapse
DLovo313 said:
Any crack/physical damage & they will make you pay the deductible through your insurance plan.
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Click to collapse
DLovo313 is correct. Whether or not the problem is related to being dropped (very likely is), if the device has any "physical or liquid damage", pretty much any carrier (T-Mobile included here) will blame the problem on the damage. The term "physical damage" is often a little loose, but any cracked display, glass, or plastic casing is usually a giant red-flag that indicates that the device was dropped or otherwise mistreated. Because these things are not covered by the device warranty (technically provided by Samsung, although your carrier usually acts as a liaison for warranty claims), neither T-Mobile nor Samsung will honor a warranty claim on devices damaged like this.
Your options are:
a) Deal with the device as-is - which really doesn't sound like an option for you
b) Get it repaired on your own dime (whether a DIY job or by sending it somewhere "trustworthy"... good luck) - which may void your warranty in additional ways (breaking seals, etc.)
c) Get the physical damage repaired on your own dime, and then try to illegally make a warranty claim for the internal damage by lying when they ask whether it has been physically damaged (e.g. "I don't know what happened, it just stopped working! No, I didn't drop it...") - obviously not a safe choice, because they might still be able to tell that the device had been dropped, causing the internal damage... not to mention moral and legal implications
d) Make an insurance claim through your carrier - usually comes with a deductible (is it still only $175? I thought it would be $200 by now...). I've heard some smaller carriers will waive the first-ever deductible now?
e) Make an insurance claim through your homeowner's/renter's insurance, if possible/applicable
In any event, good luck with your handset. I'm hoping the information above will prove useful to you, or anyone else lurking in the shadows here.
Sounds shady to me.
Edit : Aou, you surprise me.
Didn't take notice of name until after I hit send. ;o
Pp. :what:

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