Insurance problems

[thegunner]

My wife has has her phone for 5 years. We paid over 400 dollars in insurance for the past 5 years. Now they want us to pay 50 dollars to have a refurbished phone sent as a replacement since her phone is partially broken. it will not text and freezes up if you try to enter a new name in the phonebook. I will be looking for a new provider and pay closer attention to insurance. This has made both of us furious. Bye Bye ATT in August when my contract is up and i already dropped the USELESS insurance off my bill. After 11 month i should have dropped it.  later.......

[jamileh]

I'm sorry your wife's phone isn't working. The $50 replacement fee is accurate. 

If she's had it for 5 years, she's more than well qualified for an upgrade. You may be able to find a new phone for free or reduced price. 

Here's a link to phones available from AT&T. If you sort by lowest price, there are a ton of phone for free/less than $50: http://www.wireless.att.com/cell-phone-service/cell-phones/cell-phones.jsp#

[thegunner]

And here lies the problem. We already PAID OVER $400 in USELESS INSURANCE over 5 years and now you want MORE money to fix a broken phone. Or upgrade (more money) to extend the contract so YOU CAN MAKE MORE MONEY. No thanks. We are switching carriers when my current contract is up. Why should I have to pay more than the 400 you guys got off of me to replace a broken phone?

[jamileh]

I'm very sorry the insurance does not work as you expected it to. It sounds like we weren't clear on how phone insurance works when you initially signed up for it. 

[JFizDaWiz]

The money you pay is to assurion who is the insurance provider for EVERY carrier in the US at the least so switching carriers wont fix the problem.

[drumn_bass]

As far as I know I have to pay a $500 deductible for my car insurance claims even after paying them a lot of money for past few years. I'm pretty sure I've paid them more money than my car is worth. <edited>