Broken iPhone 5 screen

[5enohpi]

My wife broke her iPhone screen when it flew out her lap as she was exiting her car. She had a little cheap elago case that covers the back but the front screen got shattered. I'm not sure what my options are. I read on the forum that my only option is a $229 replacement. Can anyone share their experience?

[wordoflife]

Yep, that's most likely what you'll have to pay.

Did you have AppleCare+ on it? brings it down to ... $50 .

[5enohpi]

No AppleCare unfortunately

[numberforty1]

Originally Posted by 5enohpi

No AppleCare unfortunately

$229 replacement fee, unfortunately.

Unless ...just maybe you get a really nice apple store employee to swap it for free.

[VandyChem2009]

Originally Posted by numberforty1

$229 replacement fee, unfortunately.

Unless ...just maybe you get a really nice apple store employee to swap it for free.

Or if you have a spare phone wait till they start doing screen replacements.

[hockeyman94]

Or you can buy insurance with your carrier. Just call them up and ask for insurance. 3-4 weeks later say it broke. Would be a lot cheaper than getting it replaces at apple

[617aircav]

I doubt that. Att smartphones carry a deductible of $200. Also, you can't add insurance if you didn't add it when you purchased the phone.

[hockeyman94]

Originally Posted by 617aircav

I doubt that. Att smartphones carry a deductible of $200. Also, you can't add insurance if you didn't add it when you purchased the phone.

I had acouple of friends do it in the past you can add insurance whenever you want.

[marc11]

Originally Posted by hockeyman94

Or you can buy insurance with your carrier. Just call them up and ask for insurance. 3-4 weeks later say it broke. Would be a lot cheaper than getting it replaces at apple

That is also called insurance fraud. Maybe he doesn't get caught, but it isn't good advice to recommend doing something that is outright wrong and perhaps illegal.

[Sean4123]

Originally Posted by hockeyman94

I had acouple of friends do it in the past you can add insurance whenever you want.

That's a big old false on that one buddy.

Your friend might have gotten away with getting it added, but any AT&T employee that doesn't want to lose their job will have to examine the phone and have manager approval on any insurance feature added after the first 30 days of purchase.

If not, that would be considered insurance fraud.

[WhiteIphone5]

Originally Posted by 5enohpi

My wife broke her iPhone screen when it flew out her lap as she was exiting her car. She had a little cheap elago case that covers the back but the front screen got shattered. I'm not sure what my options are. I read on the forum that my only option is a $229 replacement. Can anyone share their experience?

This is why I put on an otter box case on day one lol

[billuptracyo]

you can buy insurance with your carrier. Just call them up and ask for insurance.

[sulpfiction]

Originally Posted by hockeyman94

Or you can buy insurance with your carrier. Just call them up and ask for insurance. 3-4 weeks later say it broke. Would be a lot cheaper than getting it replaces at apple

The carrier won't insure the device without seeing it first.

[Damolee]

Originally Posted by marc11

That is also called insurance fraud. Maybe he doesn't get caught, but it isn't good advice to recommend doing something that is outright wrong and perhaps illegal.

Bankers brought the US and UK banking system to it's knees and walked away without any glimmer of remorse, costing individuals a great deal and ruining lives.

That is perfectly fine and "legal".

But "defrauding" to get a phone replaced is an almighty sin eh?

The insurance companies do not care about you.

You do what you can, and can afford.

[johndallas999]

Originally Posted by WhiteIphone5

This is why I put on an otter box case on day one lol

What ever you do, don't put an ugly otterbox on a sexy iPhone! I'd rather have a cracked screen than one of those humungus otterboxes that is unless you are under the age of 5.

[1080p]

All you guys saying add insurance... THIS WILL NOT WORK. Insurance has to be purchased when buying the phone or within 30 days. Even if you do manage to dupe an AT&T employee into adding insurance to your plan, Asurion (the separate insurance company) will know that your phone is past the 30 day mark when you try to file a claim. They will deny the claim.

Also... smartphone insurance is worthless in this situation. The insurance deductible is $200 WITH A MONTHLY FEE.

He can just pay $229 to Apple for a replacement without needing to add insurance.

[WhiteIphone5]

Originally Posted by johndallas999

What ever you do, don't put an ugly otterbox on a sexy iPhone! I'd rather have a cracked screen than one of those humungus otterboxes that is unless you are under the age of 5.

Well I use a commuter not defender lol. Although I would lose to use it the phone naked, it's too expensive to let anything happen to it lol. If it was iPhone 4/4S I wouldn't mind but the fact that the iPhone gets scuff and scratches, naw ill pass.

[BFizzzle]

Originally Posted by Damolee

Bankers brought the US and UK banking system to it's knees and walked away without any glimmer of remorse, costing individuals a great deal and ruining lives.

That is perfectly fine and "legal".

But "defrauding" to get a phone replaced is an almighty sin eh?

The insurance companies do not care about you.

You do what you can, and can afford.

no one said anything about banking companies? or that there are much worse things one could do?

wrong is wrong.. no mater how you try to justify it to yourself.. but people who justify their actions already know this..hence the need to justify.

but yeah no need to turn this into another moral high ground thread..


OP i'd do like vandy said.. use a spare phone and wait for your local store to do replacements.. shouldnt be long...or just pay the $250 or w/e if thats not an option. Sorry for the bad luck.

[sulpfiction]

Originally Posted by 1080p

All you guys saying add insurance... THIS WILL NOT WORK. Insurance has to be purchased when buying the phone or within 30 days. Even if you do manage to dupe an AT&T employee into adding insurance to your plan, Asurion (the separate insurance company) will know that your phone is past the 30 day mark when you try to file a claim. They will deny the claim.

Also... smartphone insurance is worthless in this situation. The insurance deductible is $200 WITH A MONTHLY FEE.

He can just pay $229 to Apple for a replacement without needing to add insurance.

I never understood why anyone would purchase iPhone insurance through their carrier. Talk about a fraud. Even AppleCare+ isn't really worth it for accidental damage replacement until the second incident. I'd rather risk the $79 then pay for AC+ upfront and possibly never need it.

[marc11]

Originally Posted by Damolee

Bankers brought the US and UK banking system to it's knees and walked away without any glimmer of remorse, costing individuals a great deal and ruining lives.

That is perfectly fine and "legal".

But "defrauding" to get a phone replaced is an almighty sin eh?

The insurance companies do not care about you.

You do what you can, and can afford.

What??? What does that have to do with insurance fraud?? So because of failures in one sector we all should just forget all laws and throw all ethics out the window?

Of news flash for you No one cares about you! Its called business you pay for a good or service and you get that good not service. Scamming someone or some company for your personal benefit is not only wrong it costs us all money.

[5enohpi]

Any one have luck with 3rd party phone repair shops?

[TacticalDesire]

This is why I bought 3 year accidental damage insurance day 1. With how clumsy I am sometimes, something's bound to happen. I'll have a new device long before the 3 years is up though.

[Damolee]

Originally Posted by marc11

What??? What does that have to do with insurance fraud?? So because of failures in one sector we all should just forget all laws and throw all ethics out the window?

Of news flash for you No one cares about you! Its called business you pay for a good or service and you get that good not service. Scamming someone or some company for your personal benefit is not only wrong it costs us all money.

Ofcourse it's wrong, but far less a loss to them than what this means to the individual.

Oh and Apple needs to start paying their tax, like everyone else does. You know, it's "wrong" what they are doing.

[marc11]

Originally Posted by Damolee

Ofcourse it's wrong, but far less a loss to them than what this means to the individual.

Oh and Apple needs to start paying their tax, like everyone else does. You know, it's "wrong" what they are doing.

You cannot look at it like that. You need to understand how insurance companies work, how to spread risk and how they make money. They do not make money directly from premiums, it is based on the risk spread of the collective losses, loss probabilities and investment risk.

On a single loss basis, sure, the insurance company may not lose, but you need to realize insurance companies insure thousands if not millions of similar assets, they have a predetermined loss ratio and base premiums on that expected loss. Fraud skews the loss ratios and causes the insurance companies to loss money in that sector and thus raise rates for everyone. It is how it works; insurance is a community of people pooling similar risks and the cost is based on the loss ratio and loss probabilities.

Yes, insurance companies make money, but it is not from avoiding claims and premiums like most people think.

If someone posted here if they should avoid paying taxes I would say the same thing, no they shouldn't and every person and every company should pay what is legally due. Not more, not less, but legally due.

[Damolee]

Originally Posted by marc11

You cannot look at it like that. You need to understand how insurance companies work, how to spread risk and how they make money. They do not make money directly from premiums, it is based on the risk spread of the collective losses, loss probabilities and investment risk.

On a single loss basis, sure, the insurance company may not lose, but you need to realize insurance companies insure thousands if not millions of similar assets, they have a predetermined loss ratio and base premiums on that expected loss. Fraud skews the loss ratios and causes the insurance companies to loss money in that sector and thus raise rates for everyone. It is how it works; insurance is a community of people pooling similar risks and the cost is based on the loss ratio and loss probabilities.

Yes, insurance companies make money, but it is not from avoiding claims and premiums like most people think.

If someone posted here if they should avoid paying taxes I would say the same thing, no they shouldn't and every person and every company should pay what is legally due. Not more, not less, but legally due.

I know how they work. I also know for a fact, that even if claims were to drop tenfold, they still wouldn't reduce their premiums in the long run. It would be deemed a glorious era of profits for them and the shareholders would pat them on the back.

The number of young people making motor claims here actually dropped 10% in the past few years but premiums continue to rise way above inflation, but only for the young. They are effectively using a stereotype to justify it now.

I know it's not ethically right, but neither are the practices of many financial services practices and the detrimental loss to the individual far outweighs theirs on the grand scheme of things.

Besides, it is hardly fraud if he already has home insurance in place is it. The accident did actually happen. LOL