How Do I File a Phone Insurance Claim for T-Mobile?

Are you having trouble with your cell phone? Cell phones, even brand new phones, can fail unexpectedly. Product failures, the need for replacement parts, damage to the physical phone, theft, and much more are all reasons to have an insurance plan.

You know you probably have an insurance plan, but now you want to know how to file a phone insurance claim for T-Mobile. Who do you go through? How do you get started? This guide walks you through how to file a phone insurance claim as a T-Mobile customer.

What company provides coverage for your wireless provider?

If you bought phone insurance from T-mobile, it came from a company called Assurant. You can file a phone insurance claim on their site first.

What kinds of damages can you file a claim for?

The type of damages for which you can file a phone insurance claim for T-Mobile come down to the type of insurance plan you have for your phone. Whatever the damage is, it has to fall under what is covered by your plan.

T-Mobile offers three protection plans for its customers: Basic Device Protection, Protection <360>, and Premium Handset Protection for prepaid phones. Basic Device Protection and Protection <360> both cover your phone in the case of loss, theft, or damages. The Protection <360> plan has additional benefits, such as ID Theft Protection, Apple Care support, and more. The Premium Handset Protection covers much of the same issues as the other plans, but costs more and has higher deductibles.

How do you start a claim?

Starting the claim is easy. You enter your 10-digit mobile phone number, and it will pull up the plan you have with that phone. From there you can provide information about what happened, continue to monitor the claim as it progresses, and even view information on your policy for later.

With insurance policies even for phone plans, you choose a plan which has a specific monthly cost, list specific things for which they will pay, and often has a deductible which is the amount of money you have to pay out-of-pocket before the insurance policy will kick in and cover the remainder.

When you file a phone insurance claim for T-Mobile, you have to select your manufacturer and your model and this will tell you what your service fee or deductible is.

For example:

• If you have an Apple iPad Air 64GB the deductible is $175.00
• If you have a Samsung Galaxy j3, the deductible is $50.00
• If you have an LG phone, the G8 model, the deductible is $175.
• If you have an HTC, the 6175 Snap model, you can choose the advanced monthly plan or the standard monthly plan. The advanced monthly plan per device has a service fee and deductible of $99 for hardware services like electrical malfunctions or mechanical breakdowns, accidental damage, and theft or loss. If you choose the standard, your deductible is a bit higher for all three of these categories, usually $100 or more.

If your claim is approved and it relates to malfunctions or damage, the company will reach out to you with detailed information on how to return your phone to them to repair it. If you start this process and you fail to follow the rules on sending the phone back to them, they make it clear that you will be charged an unrecovered equipment fee that can be up to $1,500.

What do you do if the insurance company or wireless provider is denying your claim?

If your insurance company or wireless provider is denying your claim, there are still options you can pursue. Your contract with the company says that you can’t pursue legal options except for small claims court and consumer arbitration.

At Fairshake we can help you file a claim. So if your claim was denied, we can help you with a simple and effective process called consumer arbitration, something you can do from the comfort of your home. Don’t believe us? Check out our success stories.