Problem with Insurance coverage replacement
Anyone else experience this problem? So I spent the day on the phone trying to get the replacement iPhone 7 plus 128 for a phone that was diagnosed as having a mechanical issue. The phone was replaced last year and I was sent to Apple, as per T-Mobile, for a replacement under the manufacturers warranty. Seems Apple gave me a non-t-mobile phone and T-Mobile was not going to cover it. Gave me several reasons including that it was out of warranty! I have been paying for coverage almost $15 each month! Even told me that the phone is not covered for mechanical failures once the warranty expires. So they are saying that they sold me insurance that is only valid during the manufacturers warranty period. Unreal. They even tried to say Apple should be responsible. How? I am insured with Assurant for this problem. Even Assurant agreed the phone is suppose to be covered but that T-Mobile has directed them to refer issues such as this to T-Mobile for replacement, etc. So finally T-Mobile agreed to replace the phone but now they do not have a iPhone 7 plus with 128 gb storage. So they say, oh we can upgrade you and will give you $350 off an iPhone X and keep the non working brick. Wow, what a deal. I can easily go buy a phone at Costco for the same type of similar deal or go to any other store. So bottom line is T-Mobile and Assurant are pointing at each other and not honoring the coverage agreement which I have been paying for over the last 2 years.. Only option is to file for arbitration against Assurant on this as per the coverage contract.
Need advice regarding Assurant
Hopefully I can shrink this into a cohesive question. I am currently in Wichita working a project. I took a fall down stairs and landed on my phone. “I can actually say that Apple saved my butt” My iPhone was shattered and bent. I also fell hard enough to shatter my laptop screen while it was in my backpack… I went to the local T-Mobile store and inquired what my options were. I carry insurance but with work I could not really go without a phone. I talked to an Assurant agent on the phone and had to put the brakes on her real fast. She wanted to flip through her guide and ship me a replacement to my house 1300 miles away. I told her I had to have a phone where I was and would assurant credit me or pay me the value of my phone in lieu of replacement. I got complete silence. Tried to explain the situation again and got I’m sorry and more silence… In the end I had to buy an new iPhone 14 outright and pay an activation fee. Before I call customer service and assurant again, Do you guys think this was the proper outcome or did the local T-Mobile agents or Assurant customer service drop the ball? Did I have other options that were not offered to me? Thanks!
