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File a Claim to repair

First time in two years having to file a claim. Cell Phone LG Escape 2 fell into water. Phone has the insurance. They will give me a new replacement.

File a Claim to repair

Posted on 2018-02-06 01:44:32 AT&T Phones Vote Up0Vote Down
First time in two years having to file a claim. Cell Phone LG Escape 2 fell into water. Phone has the insurance. They will give me a new replacement.  Why am I being charged a Deductible?....Howie.
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    RE: File a Claim to repair

    Posted on 2018-02-06 20:22:58 Vote Up0Vote Down
    @Howie - I presume you purchased insurance on the phone through ATT. Claims would be handled via Asurion and not LG. Deductibles are typical for insurance policies (of all types)... It's a way for insurance companies to recoup some of the cost of fulfilling claims. It also helps to drive behavior probably (you're going to take better care of something if there's a deductible, than if there is none).

    This may help you:
    https://www.att.com/esupport/article.html#!/wireless/KM1000580
    and specifically this:
    http://phoneclaim.com/att/mimppdeductibletiers
    That documentation suggests your deductable might be $75. 
    Looks like you could get a new one unlocked for $59 off eBAY, but I don't think you'd get it as soon.

    Good luck.

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