Assurant robbed me for my money.


Userlevel 1

I have about 3 devices under assurant protection with t mobile.  I ended up damaging a screen on one and filed a claim.  while waiting for them to send me one in the mail.  I had an unfortunate event and got the device stolen, being cracked and damaged it doesn't hold any value anymore.  I called assurant to see if they could help me out since I didn't have the original device no longer and pay a higher deductible since I wouldn't be able to return the old one.  They declined to help me and stated if i wasn't able to return the original device they would charge me full price for the replacement..  Note they had already charged me $100 for the deductible and now they were also going to charge me the price of a new galaxy note 8 when its not even new ( its refurbished) which doesn't have the same value as a brand new note 8.  They declined to help knowing I still owe $400 on my original.  I paid over $500 just on insurance this year and the one time i decide to use their service, I end up in a dilemma where its either I use my insurance and end up with my original phone balance and pay on top another $600 for a refurbished note 8 when all assurant has or had to do was cancel my claim or change it from broken to stolen claim.  I am more than glad to pay the deductible of a stolen device but assurant has also declined to do so.  I am not happy with the way management dealt with my claim.  I angry and frustrated with assurant.  I will most likely end my insurance plan on my devices because if I couldn't event get my first claim done right. They didnt seem to care at all and now I have to get a new device because I cannot afford to file a claim with assurant because instead of giving me piece of mind and having me proctected all they way instead I'm being robbed out of my money.  Thanks for everything assurant!!!


14 replies

Userlevel 3

I personally believe insurance for a phone is a scam.

The money you pay in insurance will pay for a brand new device over time.

Im sad this has happened to you.

There are some other alternatives for phones.... Apple are selling clearance refurbished iphone se for approximately $249.

I know it won’t compare to the phone that was stolen.... but it cost only $249😉.

Only if the assurant company were able to send you a refurbished iphone for all of the troubles you have had.

When will tmobile resolve this on going issue with assurant?

Userlevel 1
Badge +1

I would file a complaint with the better business bureau and the state attorney general

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Assurant T Mobile is a ripoff company.  When you try to claim one of their advertised benefits you are met with lies, stall tactics and then you finally give up.  RIPOFF do not buy T Mobiles “insurance” it is a fraud.  Believe me I learned the hard way.  File a claim T Mobile threatens to discontinue your service.  Hey FTC when will you stop this mess?

Userlevel 6
Badge +11

just for info purposes Assurant (Assurion) is NOT a TMO company...its a insurance company that pretty much all carriers use here in the U.S...

Userlevel 6
Badge +11

just for info purposes Assurant (Assurion) is NOT a TMO company...its a insurance company that pretty much all carriers use here in the U.S...

 

and if your screen name is also your phone number you might want to change that since this is a fully public forum and everyone and their mom can see it.

just for info purposes Assurant (Assurion) is NOT a TMO company...its a insurance company that pretty much all carriers use here in the U.S...

I'm not sure if you know this, but Assurant and Assurion are two different companies. TMobile being the only company out 3 (Verizon and ATT use Assurion) to use the former. OP is correct about the high deductible and continuous monthly payments on a refurbished device being ridiculous. Insurance is for things you want to have repaired and keep, not replaced with "almost new" devices. Imagine that same ridiculous principal being applying to vehicles.

I have about 3 devices under assurant protection with t mobile.  I ended up damaging a screen on one and filed a claim.  while waiting for them to send me one in the mail.  I had an unfortunate event and got the device stolen, being cracked and damaged it doesn't hold any value anymore.  I called assurant to see if they could help me out since I didn't have the original device no longer and pay a higher deductible since I wouldn't be able to return the old one.  They declined to help me and stated if i wasn't able to return the original device they would charge me full price for the replacement..  Note they had already charged me $100 for the deductible and now they were also going to charge me the price of a new galaxy note 8 when its not even new ( its refurbished) which doesn't have the same value as a brand new note 8.  They declined to help knowing I still owe $400 on my original.  I paid over $500 just on insurance this year and the one time i decide to use their service, I end up in a dilemma where its either I use my insurance and end up with my original phone balance and pay on top another $600 for a refurbished note 8 when all assurant has or had to do was cancel my claim or change it from broken to stolen claim.  I am more than glad to pay the deductible of a stolen device but assurant has also declined to do so.  I am not happy with the way management dealt with my claim.  I angry and frustrated with assurant.  I will most likely end my insurance plan on my devices because if I couldn't event get my first claim done right. They didnt seem to care at all and now I have to get a new device because I cannot afford to file a claim with assurant because instead of giving me piece of mind and having me proctected all they way instead I'm being robbed out of my money.  Thanks for everything assurant!!!

They start charging me more after I claim amd now they saying because I was not able to to finish my claim in 90 day they not covering my iPhone 6s back after years I paid them money ,we need to talk about this to government or law office ,this not right at all

They did it to me too delivered phone where I asked to be I'd or signed left note anyway it was stolen now after a month there claiming they refunded me cuz I disputed with bank and they said they refunded the card which has been deactivated since the day after it was stolen but can't provide can't provide with any documents showing they refunded me my banks on the phone telling them they haven't gotten it nor have no indication of them initiating it and they called my bank liars lmao now since we have them on recording claiming they refunded a card yhats not active which would kick funds back to them and they failed to provide proof my banks going forward with the dispute and  I'm still out a phone a month later 

 

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I personally believe insurance for a phone is a scam.

The money you pay in insurance will pay for a brand new device over time.

Im sad this has happened to you.

 

There are some other alternatives for phones.... Apple are selling clearance refurbished iphone se for approximately $249.

I know it won’t compare to the phone that was stolen.... but it cost only $249😉.

 

Only if the assurant company were able to send you a refurbished iphone for all of the troubles you have had.

Yes. T-Mobile is racking it in. Total Shiite artists

I personally believe insurance for a phone is a scam.

The money you pay in insurance will pay for a brand new device over time.

Im sad this has happened to you.

 

There are some other alternatives for phones.... Apple are selling clearance refurbished iphone se for approximately $249.

I know it won’t compare to the phone that was stolen.... but it cost only $249😉.

 

Only if the assurant company were able to send you a refurbished iphone for all of the troubles you have had.

 

I have about 3 devices under assurant protection with t mobile.  I ended up damaging a screen on one and filed a claim.  while waiting for them to send me one in the mail.  I had an unfortunate event and got the device stolen, being cracked and damaged it doesn't hold any value anymore.  I called assurant to see if they could help me out since I didn't have the original device no longer and pay a higher deductible since I wouldn't be able to return the old one.  They declined to help me and stated if i wasn't able to return the original device they would charge me full price for the replacement..  Note they had already charged me $100 for the deductible and now they were also going to charge me the price of a new galaxy note 8 when its not even new ( its refurbished) which doesn't have the same value as a brand new note 8.  They declined to help knowing I still owe $400 on my original.  I paid over $500 just on insurance this year and the one time i decide to use their service, I end up in a dilemma where its either I use my insurance and end up with my original phone balance and pay on top another $600 for a refurbished note 8 when all assurant has or had to do was cancel my claim or change it from broken to stolen claim.  I am more than glad to pay the deductible of a stolen device but assurant has also declined to do so.  I am not happy with the way management dealt with my claim.  I angry and frustrated with assurant.  I will most likely end my insurance plan on my devices because if I couldn't event get my first claim done right. They didnt seem to care at all and now I have to get a new device because I cannot afford to file a claim with assurant because instead of giving me piece of mind and having me proctected all they way instead I'm being robbed out of my money.  Thanks for everything assurant!!!

I’m basically in the same boat!! Then all they do is send me to apple care who wants to hold 1300$ on my card 1 I don’t even have that 2 that’s outrageous! Between the two they are financially screwing me, for what I have paid for their bull*** I could have bought a bran new car. I’m beyond furious. Can’t even get a upgrade cause they won’t take a broke device. Soo my friend you’re not alone I’m being robbed too! So far I’m just f***ed! Hope they get sued.

I have about 3 devices under assurant protection with t mobile.  I ended up damaging a screen on one and filed a claim.  while waiting for them to send me one in the mail.  I had an unfortunate event and got the device stolen, being cracked and damaged it doesn't hold any value anymore.  I called assurant to see if they could help me out since I didn't have the original device no longer and pay a higher deductible since I wouldn't be able to return the old one.  They declined to help me and stated if i wasn't able to return the original device they would charge me full price for the replacement..  Note they had already charged me $100 for the deductible and now they were also going to charge me the price of a new galaxy note 8 when its not even new ( its refurbished) which doesn't have the same value as a brand new note 8.  They declined to help knowing I still owe $400 on my original.  I paid over $500 just on insurance this year and the one time i decide to use their service, I end up in a dilemma where its either I use my insurance and end up with my original phone balance and pay on top another $600 for a refurbished note 8 when all assurant has or had to do was cancel my claim or change it from broken to stolen claim.  I am more than glad to pay the deductible of a stolen device but assurant has also declined to do so.  I am not happy with the way management dealt with my claim.  I angry and frustrated with assurant.  I will most likely end my insurance plan on my devices because if I couldn't event get my first claim done right. They didnt seem to care at all and now I have to get a new device because I cannot afford to file a claim with assurant because instead of giving me piece of mind and having me proctected all they way instead I'm being robbed out of my money.  Thanks for everything assurant!!!

 

Assurant is terrible! I lost my iphone 11 over the weekend. I made a claim and my replacement showed up in 2 days. I thought all was good untill I noticed scratches around the camera lens and the bottom speakers are muffled and sound terrible. My old phone was in better shape than this POS replacement they sent me. I called hoping the could send me another replacement and I return the damaged phone but no. They expect me to send the damaged replacement phone first and be phone less untill they send me another. Completely ridiculous..I pay these assholes $20 a month and they cant work with people? if I didn't need my phone for work I wouldn't mind. Ill never make a claim with these scam artist ever again. I should've just payed a little more and got a brand new phone. Now im stuck with this POS.

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