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Orixas's profile

Tutor

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4 Messages

Wed, Jan 4, 2017 10:26 AM

Insurance bought after stolen phone

I wanted information on whether or not it would be possible to receive a phone via insurance claim even though the insurance was purchased after losing the phone. It had been at least 2 week gap between buying and losing the phone. Then, at least a 3 week gap between losing the phone and purchasing the ATT insurance pack.
Is it too late or not even possible? Please let me know.

Accepted Solution

Official Solution

kdfederer

ACE - Expert

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12.6K Messages

5 y ago

Insurance should be purchased when the phone is purchased but can be purchased within 30 days of the phone purchase. Usually, if the phone and insurance are not purchased at the same time, you will need to prove that the phone is not damaged or lost prior to the purchase of the insurance.

What you are trying to do is close to fraud, buying insurance after the phone is lost, stolen or damaged.

tim horton

Professor

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1.3K Messages

5 y ago

I can't believe my eyes to see this question posted in a public forum.

Tutor

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4 Messages

5 y ago

Thank you, I didn't know that would be the case. But is it still considered
legit as long as it was purchased within 30 of purchasing the phone, even
if it is was stolen? You said it is close to fraud but not actually
considered fraud in this specific case.

Tutor

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4 Messages

5 y ago

Thanks for the help ACE reviewer.
sandblaster

ACE - Expert

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57.8K Messages

5 y ago


@Orixas wrote:
Thank you, I didn't know that would be the case. But is it still considered
legit as long as it was purchased within 30 of purchasing the phone, even
if it is was stolen? You said it is close to fraud but not actually
considered fraud in this specific case.

Let's put it this way, if you are honest about when the phone was stolen, insurance won't cover it. The only way to get insurance to cover it would be to lie about when it was stolen. If that's not fraud, I'm not sure what is. Of course, if required to show proof that the phone is in working order, you won't even be able to buy the insurance.

Tutor

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4 Messages

5 y ago

Alright, thanks. I got a good understanding now.
Gary L

ACE - Expert

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15.9K Messages

5 y ago

@Orixas To be clear: the lying makes it exactly fraud.

 

 

ACE - Sage

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97.5K Messages

5 y ago

The simple answer would be no because it's fraud.  Good way to lose your insurance coverage and service due to fraud.  

Check your home owners policy. Some cover electronics.  

 

Contributor

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2 Messages

3 y ago

I was the victim of buying a new in box phone from somebody who took out insurance 2 days prior to selling the phone to me.  I activated phone prior to purchasing without any problem and used it for 3 weeks until seller then reported it stolen.  AT&T and Asurion promptly sent the seller a replacement phone and blacklisted the one that he sold to me.  They will not investigate fraud unless it hits them on the head or if their computers identify the same person doing it many times.  You can likely lie on the claim without any consequences.  Just my observations from trying to resolve my predicament.

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