Does AT&T record how many times you file an iPhone insurance claim?
I'm genuinely clumsy. I've already lost my iPhone 4s twice in the past month. I have the insurance coverage, and all I had to do was pay the deductable (still a hefty $200) and they replaced my iPhone 4s. I still haven't found the two others that I've lost… I'm worried about losing this one as well and I keep hearing all these stories about people going to jail for insurance fraud. I'm just wondering if there's a limit to how many times I can file an insurance claim before they finally say "no, you hit our limit" or "say hello to our law suit you criminal". Even if I lose the phone again, I won't file claim if I would get in trouble for it.
I would really appreciate it if someone who worked for AT&T or someone who's familiar with these policies could answer.
Sorry if I seem like I have no idea what I'm talking about. I'm a med student, not a lawyer lol.
I have no idea how many or how often you can make ins claims.
It would only be ins fraud if didn't lose the phone, I guess if you find your old phones you might be required to return them. After you report the phone as lost, they will block the phones ESN. Making the phone useless.
ANY insurance plan, will keep track of the number of claims you file.
OF course they do.
With most plans, it flat out doesn't matter. The one you lose, is permanently deactivated - can't be used again, EVER, even if you find it. Not by you, not by someone else. And the combination of the hefty deductible and monthly payment, when considering that you get someone else's REFURB, means that they make money, every time you file a claim.
This isn't fraud, until/unless you find an old phone, and DON'T send it back to them.
Yes, some policies do say "two claims a year". You'll need to check YOUR policy to see if that's the case.
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