help my iphone 5 was stolen

[thebeast480]

i have the insurance that i pay 10$ a month how much will it cost to replace it?

[wingrider01]

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thebeast480 wrote:

so i deduct 200$ from 800$ which is 600$ when my first one cost me 400$? im canceling it

[Edited to comply with Guidelines]

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You deduct nothing, if you are paying for a asurion policy you need to go to their website and file a claim, read and follow the insructions exactly as stated, the deductable for a smartphone is 199.00 - this means that is what your out of pocket cost is.

If you have some other form of insurance then you need to check their requirements

[thebeast480]

so your saying thats all i have tom pay 200$? for my 64gb iphone 5? if so ill buy it back

[cousintim]

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wingrider01 wrote:
Sorry but none of the top 3 carriers takes pity on you and reduces the cost of a replacement phone

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AT&T most certainly may adjust the price of a replacement phone.  It's not common but I know of a specific case when it did.

[dwill05]

Just a thought, but isn't there some documentation somewhere that explains exactly what the $10 a month insurance you bought will pay to replace a lost or stolen phone? Shouldn't that be reviewed instead of looking through conflicting answers on an Internet forum? You'll probably need the documentation to know how to file a claim anyway.

[wingrider01]

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cousintim wrote:

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wingrider01 wrote:
Sorry but none of the top 3 carriers takes pity on you and reduces the cost of a replacement phone

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AT&T most certainly may adjust the price of a replacement phone.  It's not common but I know of a specific case when it did.

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Not common is the understatment of the millinieum

[wingrider01]

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dwill05 wrote:
Just a thought, but isn't there some documentation somewhere that explains exactly what the $10 a month insurance you bought will pay to replace a lost or stolen phone? Shouldn't that be reviewed instead of looking through conflicting answers on an Internet forum? You'll probably need the documentation to know how to file a claim anyway.

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Yes in multiple places

for the basic insurance

http://www.att.com/shop/wireless/services/mobileinsurance-sku1040075.html#fbid=ORzsZynQivf

for the higher cost protection pack

http://www.att.com/shop/wireless/services/mobile-protection-pack-sku5370279.html#fbid=ORzsZynQivf

[thebeast480]

just to make things clear it will cost me 200$ for another one?

[kdfederer]

Yes, the deductible is $199. That is what you pay.

[struggle]

My phone was stolen, At&T will not allow me to replace phone unless it is my scheduled upgrade date; unfortunately that is not for another 11 months.  Is my only option to leave AT&T as customer (>10yrs) in-order to replace my I5?  

[kdfederer]

Since you didn't have insurance, your choice is to pay full unsubsidized price, find one on sale on ebay, craigslist, or reseller or wait. You received a subsidized phone in exchange for a 2 year contract, so you are out of luck with AT&T. Only other hope would be an early upgrade, but that is subsidized cost + $250.