There are a certain number of privileges or additional services that you automatically receive when you buy a new electrical device, obviously at a finite cost. And, the benefits like warranty, guarantee, and free repairs are some of those benefits that a person is entitled to for a specific time frame due to insurance claim for your phone.
It is not like a device you just bought will keep working perfectly for years and years to come, but it should be good enough to help uphold your rights as a consumer. And that is precisely where the benefits like warranty are brought into effect. These are ways to secure a person’s consumer rights if eligible for the cause.
Mobile Insurance
Most mobile phones or smartphones come with a warranty for a limit of a certain period. And for it to be like this, a certain amount of charges are included in the overall cost of the mobile phone.
Therefore, it is important to have an insurance policy for your mobile phone included in the bills or description when purchasing it. This will determine the extent of relief you will be getting if the device gets damaged in one way or another.
Insurance Claim for Your Phone
An insurance claim for your phone is something that you apply for if your mobile phone has been damaged when it is within the time duration of the insurance policy or the warranty limit. Seeing the extent of damage and its actual cause, different extents of benefits are provided to the person.
Filing for the Claim
You can easily file a claim for insurance for your mobile phone if you are facing any problems regarding it through the official online portal of AT&T insurance firm. When doing that, you will need to sign up with the service first.
And then your credentials, like your bill or receipt number or the insurance sequence, will be asked for over the website. You must clarify the problem or the damages over the mobile phone.
Also, you can directly go to the electronics store from which you had originally purchased the mobile phone. Or, you can even send a formal mail regarding the situation to the referred party.
Insurance Validity
1. For Store Bought Mobile Phones
Most mobile phones you buy from electronic stores or online platforms have a one-year warranty period of 1 year (specific charges are needed to be paid for that).
And, within this time frame, if the mobile phone has been damaged in any way, then the store you bought the mobile phone from will be liable for the damage to a certain extent (and the mobile phone company, by extension).
2. Certified Restored Mobile Phones
Certain mobile phones are sold in stores with a functioning quality on par with the brand new products; those mobile phones are labeled as “Certified Like New” or “Certified Restored” mobile phones. These mobile phones have been brought into use priorly, but are still in pretty good condition and have been certified by the store.
The insurance coverage duration for these kinds of mobile phones is six months. The referred store will handle any damage incurred within this time limit.
Damages that are Included in the Insurance Policy
As long as it is within the time frame of the insurance policy, i.e., six months or 12 months, depending upon the time frame for which the policy is active, all damages will be accounted for under this policy.
However, the extent of the benefits you will get from this incident depends heavily on the cause of the damages incurred by the mobile phone. These problems or damages will determine the prospects related to the device (if the device will be repaired, exchanged, or deducted from your next purchase).
Eligibility for Mobile Phone Replacement
When there is some default error in the programs or the functioning of the mobile phone, then it directly becomes eligible for replacement. However, for this to happen, the time frame for the incident to be reported to the referring firm is strictly limited.
Manufacturing issues such as battery life problems, damaged screens or unresponding touch-screen, or any problems associated with in-built functions like WiFi, Bluetooth, or the functioning of applications, are directly included in the criteria for mobile phone exchange.
Eligibility for Mobile Phone Repair
When the damage that has occurred over the mobile phone is not due to any manufacturing problem or software issues, or when there has been any physical damage to the mobile phone, then that mobile phone is eligible for a free repair.
The damages, such as water damage, mobile having fallen from a height or rear and tear, are all included in this criteria. The repair is completely free, as the repair cost is already included in the additional charges you paid with your mobile phone to procure the mobile insurance.
Duration to Report the Damage
Reporting the problem as soon as you have started to face that can benefit you. When the problem is reported within a month of the purchase, it is more likely for the mobile phone to be exchanged. Otherwise, one must report any physical damage within 60 days, or the damage is not included in the warranty pact.
Receiving the New Mobile Phone
When your mobile phone is eligible for the exchange policy, you can choose the services through which you will receive your new mobile phone in exchange for the one you have priorly.
You can get it by post, but you must send your defective mobile phone to the store before that. Or you can opt for the delivery services. A store representative will handle all the formalities for you, including resupplying you with a new mobile phone.
Also read: How To Correctly File for Insurance Claim After A Car Crash
