THATS WHY THE PLANS ARE HIGH BECAUSE OF PEOPLE LIKE YOU TRYING TO SCEW THEM. THEY WILL NOT JUST GIVE HIM A NEW ONE THEY WILL FIX THAT ONE. ASK YOUR SELF THIS HOW COME ATT WILL NOT INSURE THEM. BECAUSE PEOPLE LIKE YOU WILL BREAK THEM JUST TO GET THE NEW ONE.
First of all QUIT POSTING IN ALL CAPS!!!!!!! Seriously, it won't make people take you any more seriously (in fact they are apt to take you a whole lot less seriously if you do that).
Secondly, read this thread again. Read what people have said the Best Buy plan entails. It covers dropping your phone. That is by their terms.
But why do I have a feeling this is going completely over your head.
Once again, as several people have pointed out, it is a plan that covers you if you drop your phone. Otherwords, by Best Buy's own terms, you pay them to give you a refurbished phone if you break yours. They agreed to that term. It is not ripping them off. What would be ripping off is if they decided to tell you they weren't going to do it. Cause you paid them to cover you if you broke the phone. Then they would be ripping you off cause they wouldn't be providing the service that you *PAID* for. What do you think you pay for when you buy one of these plans anyways? Seriously, if you think that dropping your phone by accident and having Best Buy replace it when you bought a replacement plan with them is scamming htem, what do you think you are paying for with that replacement plan? Or do you think that Best Buy needs donations?
Do you understand yet?
Does State Farm cover accidental damage like I specified?
Let's say your working on your car and you nick your phone it still works but it's a nick or a dent . With State Farm are you able to get a new one?
I also have iphone insured with Libery Mutual our homeowners because it covers theft @ 19.00/year which also covers up to $5000 of computer related stuff like our 3 laptops and desk top.
Marc
Honestly, I know it covers me if I drop it and break it cause I asked specifically. In fact I also asked why it was more expensive to insure than my Macbook despite my macbook being pricier and their response was cause it was small and carried everywhere it was more likely to be dropped or stolen .
Now, I don't know what they'd say if it got chipped but it still works. I'm sure if the screen was cracked they would but not sure about cosmetic damage. I wasn't worried about that and I sure as hell ain't going to pay Best Buy (even if I liked them) three times as much so that I can always have a pristine iphone (my iphone plan costs me 50 dollars a year). Especially since my experience with Best Buy and their "plans" is they will do anything to try to make it as hard as possible for you to get them to actually honor tehir end of the bargain. And honestly, I'm not worried about my iphone looking a little used. Long as the screen is still good and it works fine, I'm good.
And yes, I do get a new iphone if I drop and break it. They just give me the 'replacement value'. And I go buy another one (which would probably these days get me the 3GS which is an upgrade even on mine). I have said this, the person you are replying to has said this. It covers it being broken, stolen, or lost. The only thing I don't think it covers is if it just breaks on its own (the kind of stuff an extended warranty would cover).
Keep in mind, Liberty Mutual is not the same as State Farm so maybe they don't offer hte same thing (so you can't really say cause yours doesn't mine doesn't. As I said, I specifically asked to make sure). Also, what LM is charging you is less than half of what State Farm is charging me so it is very likely my coverage is different (more expensive cause it covers more). But I'll take State Farm's plan over Best Buy's or LM's. It's cheaper than Best Buy and covers more (including the stuff I'm most worried about, me breaking my stuff) than LM or Best Buy.
