The "insurance" you offer is fake

The "insurance" you offer is fake

I love your fake insurance that you offer to your customers. You took my money every month and when I actually had a damaged phone my options were "insurance claim $200.00", upgrade $100-$200 or replacement with A LESSER phone. Insurance by design is to make a person whole on their loss not a lesser product....

Ok fine I have played your stupid games for YEARS so I know every time I walk into that store you will get $200 out of me one way or another. It's a fact I accepted a long time ago. So today I went in to just replace my phone. I had a 4S but you couldn't even do that for me. Nope. i was offered a subpar lesser version with less gigs because YOU stopped making it. Of course you did! So here I am typing on my BRAND NEW phone that cost me a ton of out of pocket money AGAIN. Every time I use it all I will think if is how much I hate hate hate your lying disgusting racket you put all of yoir customers through. Why if something goes wrong you can't just make us even and not the hazing ritual all of us have just come to accept and expect! You make me sick....

Message 1 of 43 (1,929 Views)

Re: The "insurance" you offer is fake

Actually, Apple stopped making it.

Message 2 of 43 (1,834 Views)
Employee

Re: The "insurance" you offer is fake

[ Edited ]

The reason for Mobile Insurace is so you don't have to pay the full amount for another phone if it does in fact get lost or broken.  I don't know about you... but I'd much rather pay $200 for a $500 item if I had the chance to.  It's just like health insurance.  You pay a certain amount every month, then when it comes time to actually use it, you only pay a certain percentage.

Many apologies that Apple stopped making the phone that you had, but that is not AT&T fault; they cannot control what the manufacturers want to continue to make or stop making.

 

Also, AT&T does not personally provide the insurance, they go through Asurion. Going back to health insurace...  if you're unhappy about the percentage you have to pay, you wouldn't be upset with the hospital (AT&T), you would be upset with the insurance provider (Asurion).  This is why it's important to read the terms and conditions and everything in between before agreeing to something.

Employee Contributor*
*I am an AT&T employee and the postings on this site are my own and don't necessarily represent AT&T's position, strategies or opinions.
Message 3 of 43 (1,813 Views)
Contributor

Re: The "insurance" you offer is fake

I was sent a refurbished iPhone, and am being charged $200 for it, which is a 32G white iPhone 4S. They are now selling these on their website for $0.99 with a new two year contract. With Verizon if something happens to your phone, you are not required to get the same one, just one in the same price range. I will be switching! Their plans are also less expensive and they have larger data packages.
Message 4 of 43 (1,770 Views)
Expert

Re: The "insurance" you offer is fake


Emholland90 wrote:
I was sent a refurbished iPhone, and am being charged $200 for it, which is a 32G white iPhone 4S. They are now selling these on their website for $0.99 with a new two year contract. With Verizon if something happens to your phone, you are not required to get the same one, just one in the same price range. I will be switching! Their plans are also less expensive and they have larger data packages.

No, 200.00 is NOT the price of the phone, that is the subsidized price of the phone with a 2 year commitment. If  a new Iphones 4S was still available you would be paying the retail cost of the device - around 700.00, not the 0.99 cents you claim unless you where eligible for full subsidized pricing.

 

 

As far as verizon goes, not sure where you heard that claim but it is incorrect, verizon's insurance will do the the exact same thing. Err no verzion does not have "larger data packages; they only have 1 data package - the share everything plan, which is on par to the other carriers cost.

Message 5 of 43 (1,764 Views)
Mentor

Re: The "insurance" you offer is fake

I see a few more people here feel scammed by AT&T and Asurion's legalized swindle scheme.

Sad really that so many employees defend the practice of selling a terrible insurance policy to AT&T customers. Knowing the level of dissatisfaction this policy brings on people, and you just continue to take their money. Think about the fact that most people who pay for insurance probably never file a claim, so they don't even know they're being swindled.

To the folks complaining, I sympathize with you. You've been victimized by corporate thieves. Unfortunately there is no recourse but at least your voice is heard.
Message 6 of 43 (1,697 Views)
Employee

Re: The "insurance" you offer is fake

This is why it's wise to read the Terms and Conditions, regardless of what it is for; insurance for your phone, your pet, or you.  Asurion is not the only wireless insurance company, either.  If you feel something may not seem right after reading the T&C's, do some research and go with something else that fits you better.

Employee Contributor*
*I am an AT&T employee and the postings on this site are my own and don't necessarily represent AT&T's position, strategies or opinions.
Message 7 of 43 (1,694 Views)
Expert

Re: The "insurance" you offer is fake

[ Edited ]

kpryan1982 wrote:
I see a few more people here feel scammed by AT&T and Asurion's legalized swindle scheme.

Sad really that so many employees defend the practice of selling a terrible insurance policy to AT&T customers. Knowing the level of dissatisfaction this policy brings on people, and you just continue to take their money. Think about the fact that most people who pay for insurance probably never file a claim, so they don't even know they're being swindled.

To the folks complaining, I sympathize with you. You've been victimized by corporate thieves. Unfortunately there is no recourse but at least your voice is heard.

the policies, requirements and related cost are all documented, not taking the personal responsiblity to review all the terms of a binding agreement does not make ANY corporation thieves

 

People who read the requirements know what they are getting into and are not taken in, the term of this is "A informed consumer", you are aware that your auto and home/retnal insurance poilcies have deductables right?

Message 8 of 43 (1,685 Views)
Mentor

Re: The "insurance" you offer is fake

I bought my car insurance from a guy named Bob. Bob is an insurance man, insurance is what Bob does. One thing Bob does is he always makes sure his customers know what their out of pocket expenses will be before signing them up for a policy. Why? Well, as an insurance man Bob knows that if his customers end up being dissatisfied with their coverage and expenses, he will be held personally responsible.

Now if Bob, like AT&T, knowingly sold insurance like that from Asurion- a company with about the worst possible track record in customer satisfaction that I could ever imagine- he wouldn't last very long in the insurance business. There is more transparency in Bob's business- even if he wanted to exploit the average customer's vulnerabilities (which he wouldn't as he is a nice guy) he couldn't, because he'd go out of business.

AT&T, unlike Bob, has set up a device insurance sale scheme that exploits customer ignorance. Just read the literally thousands of online reviews panning the unreasonably high deductible, deriding the claims process, documenting the inability to replace like with like. And AT&T doesn't take responsibility for selling you a bad insurance policy; they just pass the buck to Asurion or blame the victim for not reading the fine print.

Bob doesn't do what AT&T does for two reasons. First of all he's honest. Second, he'd go out of business if his customers weren't satisfied with the insurance he sells them. If AT&T wants to stay in the insurance sales business, they could learn something from a pro like Bob.
Message 9 of 43 (1,671 Views)
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Expert

Re: The "insurance" you offer is fake

[ Edited ]

Bob is a licensed certified by the state requirements, they have to attend classes and pass their certification tests, it is not a walk in the park. no matter what bob tells you, you are still avoiding personal responsibility if you don;t read the policy and understand exactly what it says and what the requirements are.  You must be lucky to have Bob, have never had a insurance agent explain the details of a policy outside what the mandated state and local coverage is without asking detailed questions.

 

Be that as it may, the insurance offered by the carriers is not "fake", it is underwritten by Asurion and they had to submit it to each states insurance review board to have it authorized or else it could not be sold.

 

By the way Bob will absoultely not be held personally responsible for anything - Bob puts forth the possiblities and the infromed consumer selects what they feel they need, the decision is totally up to the informed consumer.

 

Bob, like att is not the insurance company, neither bob nor att underwrite the insurance policy. Asurion, Allstate, Gieco, and others are the underwrites the policies and dictates the requirements, Bob, att, sprint, verizon are the sellors, just like a retail cleck at radio snack

 

I reviewed the policy that is offered through asurion and compared it to a rider that I could get on my home owners - the home owners rider was better so I chose that for all the cell phones. the company phones are on the business's insurance policy

Message 10 of 43 (1,662 Views)
Mentor

Re: The "insurance" you offer is fake

Wingrider you're not quite understanding my argument. Let me try to make it simple.

Bob is an insurance salesman and therefore must do a good job of selling insurance. To meet that end, he informs his customers of relevant info (ie premiums, deductibles, levels of coverage) about their policy at point of sale. He wants to make a sale but he wants to make the right sale. He needs happy customers to stay in business. He has happy customers because he is a good insurance salesman.

AT&T in contrast is bad at insurance sales. They regularly fail to inform customers of relevant info at point of sale, and they exclusively sell an inferior product (Asurion). If they were held to the same standards as Bob, they'd be out of the insurance sales business. They get away with it for a number of reasons and they will probably continue to dupe people for years to come, but I'm here to say we have a right to be heard. AT&T are pushing an inferior insurance product through dishonest sales tactics- they should stop out of human decency, but they won't because of the incremental increase in profits they get from their deal with Asurion.
Message 11 of 43 (1,651 Views)
Expert

Re: The "insurance" you offer is fake


kpryan1982 wrote:
Wingrider you're not quite understanding my argument. Let me try to make it simple.

Bob is an insurance salesman and therefore must do a good job of selling insurance. To meet that end, he informs his customers of relevant info (ie premiums, deductibles, levels of coverage) about their policy at point of sale. He wants to make a sale but he wants to make the right sale. He needs happy customers to stay in business. He has happy customers because he is a good insurance salesman.

AT&T in contrast is bad at insurance sales. They regularly fail to inform customers of relevant info at point of sale, and they exclusively sell an inferior product (Asurion). If they were held to the same standards as Bob, they'd be out of the insurance sales business. They get away with it for a number of reasons and they will probably continue to dupe people for years to come, but I'm here to say we have a right to be heard. AT&T are pushing an inferior insurance product through dishonest sales tactics- they should stop out of human decency, but they won't because of the incremental increase in profits they get from their deal with Asurion.

the carriers are offering the coverage as a value added feature, it is up to you to review it and take the personal responsiblity of understanding exactly what the terms are, what the detrements are. Curious have you read your terms of service and fair use policy that you agreed to by signing? They are contractually binding

 

Funny if Asurion is such an inferior company I wonder why all the major carriers and some of the MVNO's utilze the company. If you watn to be accurate remove the ATT andd replace it with "All carriers"

Personal Responsibility

 

Have a great day.

Message 12 of 43 (1,640 Views)
Mentor

Re: The "insurance" you offer is fake

Asurion pays the carriers to sell their insurance at point of sale. I didn't say their company is inferior, I said their product is inferior. They've got good access to customers, and I'm sure they pay handsomely for it.
Message 13 of 43 (1,634 Views)
Scholar

Re: The "insurance" you offer is fake

[ Edited ]

The real problem here is that you don't seem to understand depreciation. Using Gazelle as an estimate, the current value of your used 4S is about $150 (and that's assuming you had the most expensive model, 64 GB), so by giving you $200 for it, the insurance company gave you a great deal.

Message 14 of 43 (1,605 Views)
Expert

Re: The "insurance" you offer is fake


neo979 wrote:

The real problem here is that you don't seem to understand depreciation. Using Gazelle as an estimate, the current value of your used 4S is about $150 (and that's assuming you had the most expensive model, 64 GB), so by giving you $200 for it, the insurance company gave you a great deal.


depreciaton has no meaning in this, same as in auto insurance - If you have a 1000.00 deductable on your car and your car is worth 1001.00 and you total it you get 1.00 paid to you by the insurance company. So by your estimation is ther 4S is worth 150.00 and the deducatable is 199.00 you owe the insurance company 49.00

Message 15 of 43 (1,598 Views)
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