Give me a break, you are the one you said you think sometime after the T-Mobile iPhone gets released you are going to have an accident. By definition, an accident is unintentional, which clearly isn't what you meant. Fraud is defined as, "To . . . cheat, or deceive." That seems to be what you meant unless you plan to tell the insurance company you purposefully damaged the device. More importantly, you originally asked for peoples' thoughts. It is not my fault you don't like my thoughts that you asked for.
Further,
from T-Mobile's website, "PHP Insurance [includes]
Coverage for loss, theft, and
accidental damage." So, you clearly are wrong that it doesn't mention accidental damage.
It is also worth noting, that T-Mobile's insurance is run by an independent company named asurion. In it's
terms and conditions of insurance, it says, "At our option, we or the Authorized Service Center may repair the Covered
Property with substitute parts or provide substitute equipment that:
a. Is of like kind, quality and functionality;
b. Is either new, refurbished or remanufactured, and may contain original
or non-original manufacturer parts; and
c. May be a different brand, model or color."
It also lists, "Dishonest or Criminal Acts" as "Property Not Covered" under the policy.
If the iPhone 5's vibrator isn't working, then why wouldn't you just wait a while and legitimately have Apple replace the phone? If you did it in person, you might even be able to get the Apple representative to give you one of the new phones. Why get T-Mobile's insurance company to pay for what you are now claiming is a defective iPhone?
Finally, in contrast to the other person who thinks my remarks are a moral judgement that is incorrect. People seem to think we live in a vacuum. The price of insurance everybody pays is reflective of how many people make claims.
