Why do I pay sprint for insurance?!?

[blue4shizzle]

i jus got done reading this whole thread and im amazed... how can you honestly down insurance? yeah you pay 7 dollars a month but its so you have nothing to worry about when something goes wrong. its basically a scam until you need it. i worked for sprint for a good while and there were several times when i reccommended insurance and the customer denied it.. then a month later they come back with a water damaged phone or one that has a cracked screen. the most you would ever pay for a new phone with insurance is 50 dollars.. and someone earlier posted that they can jus go on ebay and get a used phone for 200?? how was that helping his argument? i could go 12 months while paying the 7 dollars monthly, then break my phone and the MOST i would end up paying in the end is 134 dollars for a new one.. and thats only IF its water damaged or stolen, otherwise it would just be 84 dollars from the 12 months of paying insurance and the FREE replacement. the fact is, no one ever plans on messing up their phone and they are careful for the most part.. but as the saying goes.. 's*** happens' and thats why they pay for insurance so you wont be screwed if something actually does happen. im extremely careful with my phones and such, being a huge ppc geek and all, but the first thing i did when i purchased my touch was make sure i had full insurance on the thing. i cant see how one would invest so much money into a new phone thats $500 plus in retail, but you wont pay to keep it protected.

[aughsum]

Originally Posted by GhettoBSD

If it was that easy, we wouldn't need insurance for cars, motorcycles, trucks, boats etc etc etc.

**** happens. You can't always prevent it.

In other words, on a long enough timeline, it will happen to you too.

Technically we don't need car insurance but it isn't about my own personal driving abilities, about retards that could potentially damage my car.

In the case of your phone you can prevent it. Dont toss it around like a FAR phone, dont take it with you bunjee jumping over a river... its not that difficult.

It won't happen to me, though.

[Baffles]

Originally Posted by aughsum

Technically we don't need car insurance but it isn't about my own personal driving abilities, about retards that could potentially damage my car.

In the case of your phone you can prevent it. Dont toss it around like a FAR phone, dont take it with you bunjee jumping over a river... its not that difficult.

It won't happen to me, though.

Depends on where you live. In New York, it is illegal to be uninsured.

[aledc78]

Originally Posted by aughsum

Technically we don't need car insurance but it isn't about my own personal driving abilities, about retards that could potentially damage my car.

In the case of your phone you can prevent it. Dont toss it around like a FAR phone, dont take it with you bunjee jumping over a river... its not that difficult.

It won't happen to me, though.

In florida is also required to have car insurance...

[sza3434]

I didnt read the entire thread, so Im sorry if Im repeating someone else....

First, I am a Sprint tech and want to clarify that TEP only covers the phone. No stylus', batteries, battery covers, anything other than the phone itself. So while I see how it can be frustrating that they dont just hand you a battery cover, it's not what you're paying your $7 for. Also, I have never seen a phone just lose screws. I dont believe your screws are falling out for one second. Either you've dropped the phone and it was damaged to the point the screws are falling out, or someone tried to open the phone.

That said, I have dozens of extra battery covers, if you still need one, Ill send it to you. Send me a PM if needed with the details.

[bakntyme]

Originally Posted by Baffles

Depends on where you live. In New York, it is illegal to be uninsured.

Originally Posted by aledc78

In florida is also required to have car insurance...

I don't believe that the law in any state requires you to have insurance for damage to your own car; just liability insurance to cover damage to other people's property and health. However, most leases and bank loans will require you to insure your own vehicle against loss or damage.

Bottom line, it is a personal decision whether you want to carry insurance on your own car (without a loan or lease requirement), your health, or your phone. It is not an inherently wrong decision either way. If you can afford and are willing to pay the possible costs without insurance, then no insurance could be a right choice for you. If you would rather spend a known amount that spreads the costs out over a period of time, then insurance could be a right choice for you. No reason to bash someone who made a different decision than you did or is in a different situation than you are. Just realize that your decision, whichever one you make, may look like the wrong one in hindsight.

And I am old enough to know that "It won't happen to me" is no protection.

[the evil i]

personally, i prefer knowing that if my phone breaks i wont kill myself. look at the math of it. ok you pay $7 a month and say u keep your phone for two years. 24*7=$168. so instead of having your phone break and paying $550 for a new one. the maximum of 168 you pay for insurance is nearly a third of that. in my opinion, insurance is the best investment you could make on your phone

[aughsum]

Originally Posted by the evil i

personally, i prefer knowing that if my phone breaks i wont kill myself. look at the math of it. ok you pay $7 a month and say u keep your phone for two years. 24*7=$168. so instead of having your phone break and paying $550 for a new one. the maximum of 168 you pay for insurance is nearly a third of that. in my opinion, insurance is the best investment you could make on your phone

$218.. the $50 fee to replace your phone.

and yes some states only require liability for other drivers. i do plpd because my car sucks.

"it wont happen to me" is good enough insurance for me.

if you need insurance on your phone you need insurance on everything you own... shirt insurance. wallet insurance. bottle of water insurance.

[eehrhard]

Originally Posted by aughsum

$218.. the $50 fee to replace your phone.

and yes some states only require liability for other drivers. i do plpd because my car sucks.

"it wont happen to me" is good enough insurance for me.

if you need insurance on your phone you need insurance on everything you own... shirt insurance. wallet insurance. bottle of water insurance.

Guess thats why its optional. Enjoy your white spots and having to be extra careful not to drop your phone or push to hard on the screen or knock over that bottle of water on your phone.

Hey do they offer shirt insurance? I have a Tee that is getting some holes and I really like it. I would insure that sucker in a heartbeat.

really though... a cell phone is kind of a unique situation simply because its my connection to the world. If my phone falls and breaks I dont want to have to wait days to do an ebay or go though the hassle of a craiglist transaction i just want to call or go to sprint and have a new one the next morning no questions asked.

[GrahamHill]

pinion:
I love my insurance. (Alltel)
With my previous phones that wouldnt even take a pic I never had it.
At the time I broke an elcheapo and had to but a no features phone w/o contract and paid a lot of money for a plane jane phone and got my feelings hurt. From there on out I kept insurance.

Fast forward to pocket pc's...
I went from a Keyocera SOHO KX1 to a PPC 6700 that retailed from 600 in store to 350 on Ebay. Ive baptized 2 and broke 2.... insurance rocks, lol