ATT insurance claim process?
Before I left for my 2 week long vacation in Las Vegas, I was smart enough to put insurance on my new iphone 5. Sure enough, my new phone got stolen on the very last day I was there… Now I'm trying to figure out how to make an insurance claim and it sounds like if you report the phone as stolen they're going to want a police report. I'm thousands of miles away from Vegas and obviously can't get a Las Vegas police report now that I'm home. Would it be better to report the phone as lost so I don't have to provide a police report? Or should I be honest, report it stolen, and hope they accept the claim without a police report?
Added (1). I'm also worried they'll find this suspicious since I just recently put insurance on the phone… I'm really not trying to fraud them! I just want my iphone back and not have to pay $650 for a new one!
Some police departments will allow you to report things online. I'm not sure if Las Vegas is one of those places. If possible, file a theft report on the Las Vegas police department website and print it. This is the simplest and quickest solution.
If you can't do that, then call the Las Vegas police department (with another telephone), tell them about the theft, and ask them if they can they can mail you a report.
If you don't report the phone as stolen, they won't honor the claim. If you DO report the phone as stolen, they want a copy of the police report.
Most of the time, you CAN file a police report over the phone, or online - from thousands of miles away. Don't worry, AFTER they get the police report, they'll compare what YOU say, to what the police report says, and check the actual phone records to see when it stopped being used, or when the usage pattern changed. Then, they'll permanently deactivate it. You'll still have to pay your $200 deductible - or whatever, and they'll send you a refurb.
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