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First off, this thread is a hypothetical. I need advice on the Sprint hardware replacement and insurance claim replacement processes and what they generally entail. This thread may traverse into the murky grey area between the black and white of right or wrong when it comes to insurance phone claims and defective hardware replacement. Please don't waste your time informing me of this or criticizing any possible manipulation of the hardware replacement techniques Sprint will employ should the necessary trigger be made.
I have a Sprint Mogul. I have a SERO account. I will be approaching my 2 year resign and upgrade date this summer. I pay the full $7 total equipment protection/insurance. The Sprint Mogul is now at End Of Life (EOL). Apparently, according to some reports I have seen, reps are telling customers with failed hardware replacement tickets that they can get a refurb'd Mogul (if supply allows) and if not they will get a TP. In addition, now that the mogul is EOL, an insurance claim should technically get you a TP for $50 because the Mogul supplies are dwindling and who really wants a phone that's discontinued anyway.
The question is: What is the cheapest -or- most likely to be successful method for getting a touch pro replacement? I have a ticket open on my phone (with no action taken by me to take the phone to a store for inspection) for some potential radio issues. Thus, there is some past documentation for my phone which lends credibility to some potential hardware issues having been experienced and documented. In all honesty, I have been having some issues with my phone recently but they don't rise to the level of dead ear piece or broken keys which usually equal a traditional hardware replacement. If I call Sprint and say my data speeds are not where they should be and my phone drops and lot of calls, behaves erratically, and loses a charge very quickly - what will the Sprint rep's next course of action be? Send in the phone for testing, at which point a free replacement will be sent ONLY if legit hardware defects are found? Replace with a TP regardless of legit hardware issues being found? Will they send the replacement immediately and then charge you according to results of inspection of old phone? How does this process work? Anyone with experience, please chime in. Conversely, if I would happen to lose the phone I could make a claim and pay the $50 premium. This would most likely result in a TP replacement and I probably would not settle for less.
Finally, there has been some recent litigation against lock-line for its rather shady practice of filling claims with refurb'd phones. Hopefully, the publicity and heat will end this practice.
A class-action lawsuit filed in Miami in August contends that the coverage is deceptive because consumers often receive cheap, used or refurbished phones as replacements. The suit names lock\line, Nashville-based Asurion Insurance Services and Signal Holdings in Wayne, Pa., as defendants. -- Jill Metzler, a spokeswoman for DST Systems Inc. in Kansas City, lock\line's owner, declined to comment on the litigation. DST Systems has signed a definitive agreement to merge its lock\line subsidiary into Asurion Corp.
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Has anyone had experience with this? They have already settled some class action suits based on these practices. I am hoping they have started shying away from refurbs until new bull**** documentation is drafted to get around ripping people off.
Thanks in advance for your experience and/or inside information on how this process works. Please don't reply if you have no valuable information to share and I also don't want to hear any opinions or general thoughts on the undertaking this hypothetical proposes.
okay, i used to work for service and repair for sprint and i can tell you this:
-Aside from the sprint store HAPPENING to have an extra touch pro in their seed stock (not likely) and HAPPENING to come across a sprint employee that just really really wants to do you (instead of himself or somebody in the store otehrwise) a favor and switch out your mogul for the TP......there's absolutely no way this is going to happen
let me take you back to the days of the Audiovox (aka HTC) PPC 6700. This thing had to be one of the most horrible and unreliable WM phones out there. We had floods of these phones coming in when they were new, and still had (last time i worked for sprint) floods of them coming in now that they are old. Asurion and Sprint stores alike keep massive stock of discontinued phones dating back to some of the first sanyo and UTstarcom phones sprint carried (pre-digital era we're talking about).
i've personally had customers coming into sprint (or going through asurion) no less than 15 times for the same phone with the same problem over and over and over again. They'll keep recieving a 6700 until they decide to upgrade.
A) Because you're only going to get what you've got insured. When your house blows up, they dont upgrade you to a mansion.
B) Any sprint employee that somehow gets a current model smartphone as an EXTRA in it's seedstock will definitely take or give it to somebody they know as an upgraded replacement....
C) Asurion (especially with problem-prone HTC devices) carries huge stocks of these phones and will have them to you in no less than a week.
Now.....when the TP becomes old news and the regular store stock is converted into Service & Repair seed stock...then you've got yourself a fighting chance....but until then:
your only option of upgrading is upgrading. Whether you con the retentions department into giving you an early upgrade by threatening them of going to another carrier, or are a good enough customer that they give you an extremely discounted Touch Pro.....there's only one way out
Moral of the story: Befriend your local sprint service and repair rep.
oh, and that bit about refurbished phones.
NOT going to go anywhere, and if it does......say goodbye to affordable phone insurance. People are too stupid to realize that they are getting a ****ing steal for 7 dollars a month, especially considering that the average customer with TEP (in my experiences) were in multiple times a year, if not a handful.
sprint, especiaily, gives stellar service and repair without having to deal with asurion and most of the time you will have no deductable BECAUSE they are reusing parts.
want a new phone ? great, then see that best buy insurance for the iphone that costs upwards of 15 dollars a month with a huge deductable? that's what insurance will look like for you.
I agree with Whitesox311. If they didn't have Mogul's in stock and couldn't get any, then you might be upgraded, but a TP is still doubtful. They try to upgrade you to a "similar" phone, in other words, whatever the cheapest pda is that they have that is close in specs. You might get a Sprint Touch, possibly a Diamond, but the TP is the most expensive pda they have and their flagship phone, so it is highly unlikely you'll get one.
They will probably have new and refurb Mogul's in stock for a while still, even if it is EOL for retail.
People with the Apache were trying to do this when the Mogul came out and most of them didn't have any luck because they had plenty of Apaches left to give out.
So as long as you have a legit claim, then go through the proper channels, but don't try to abuse the TEP by using it as an upgrade program.
whitesox311 said:
okay, i used to work for service and repair for sprint and i can tell you this:
-Aside from the sprint store HAPPENING to have an extra touch pro in their seed stock (not likely) and HAPPENING to come across a sprint employee that just really really wants to do you (instead of himself or somebody in the store otehrwise) a favor and switch out your mogul for the TP......there's absolutely no way this is going to happen
let me take you back to the days of the Audiovox (aka HTC) PPC 6700. This thing had to be one of the most horrible and unreliable WM phones out there. We had floods of these phones coming in when they were new, and still had (last time i worked for sprint) floods of them coming in now that they are old. Asurion and Sprint stores alike keep massive stock of discontinued phones dating back to some of the first sanyo and UTstarcom phones sprint carried (pre-digital era we're talking about).
i've personally had customers coming into sprint (or going through asurion) no less than 15 times for the same phone with the same problem over and over and over again. They'll keep recieving a 6700 until they decide to upgrade.
A) Because you're only going to get what you've got insured. When your house blows up, they dont upgrade you to a mansion.
B) Any sprint employee that somehow gets a current model smartphone as an EXTRA in it's seedstock will definitely take or give it to somebody they know as an upgraded replacement....
C) Asurion (especially with problem-prone HTC devices) carries huge stocks of these phones and will have them to you in no less than a week.
Now.....when the TP becomes old news and the regular store stock is converted into Service & Repair seed stock...then you've got yourself a fighting chance....but until then:
your only option of upgrading is upgrading. Whether you con the retentions department into giving you an early upgrade by threatening them of going to another carrier, or are a good enough customer that they give you an extremely discounted Touch Pro.....there's only one way out
Moral of the story: Befriend your local sprint service and repair rep.
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I agree with what you say and it sounds realistic. However, one thing has changed since when the TP came out. The Mogul is now EOL. I think the odds are better now than they were in Oct. or Nov. Just today @ PPCgeeks a member posted that he put in a replacement and they sent him a TP free of charge. Even the refurb'd supplies that Asurion and stores have should be drying up eventually. The life cycle of the mogul was shorter than the apache. I dont expect as many units in the retail channel. I have seen other recent reports (only a few) of customers getting TP's because mogul inventory was depleted. It may be wishful thinking on my part but I think that Mogul being EOL definitely helps.
whitesox311 said:
oh, and that bit about refurbished phones.
NOT going to go anywhere, and if it does......say goodbye to affordable phone insurance.
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No offense, but this statement shows how little you know or have researched. They have SETTLED numerous class action suits for this very practice. Asurion has already paid for fraudulent and unfair claims practices. There are signs that they are shying away from issuing refurbs in certain instances due to the publicity and lawsuits. It is legitimized in their ToS and EULA but the consumer is fighting back (and winning). So again, what you say sounds realistic but being a former employee of a Sprint store (or whatever) doesnt make you an expert on anything. The factor you keep under valuing is that Mogul supplies (especially at random repair stores) will be drying up now. They have little other option but a TP if they cant source a refurb'd Mogul. Asurion probably has a larger back stock of mogul refurb's though.
Or.....
you can get the best buy htc touch pro for $199, and sell your mogul on ebay for $100-150 and you have done it legit.
It may cost you 50-100 this way but it works.
i guess we got it made on at&t..free warranty and free device upgrade after 3 or 4 warranty exchanges..who needs insurance? just dont break your phone physically (and why would you..because we all baby them) and youll never have to pay for a device again..
whitesox311 said:
oh, and that bit about refurbished phones.
NOT going to go anywhere, and if it does......say goodbye to affordable phone insurance. People are too stupid to realize that they are getting a ****ing steal for 7 dollars a month, especially considering that the average customer with TEP (in my experiences) were in multiple times a year, if not a handful.
sprint, especiaily, gives stellar service and repair without having to deal with asurion and most of the time you will have no deductable BECAUSE they are reusing parts.
want a new phone ? great, then see that best buy insurance for the iphone that costs upwards of 15 dollars a month with a huge deductable? that's what insurance will look like for you.
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Umm...Best Buy's insurance on the TP would be 9.99 a month with no deductible. I don't know why the iPhone insurance would be relevant? There are no deductibles for Best Buy insurance, and they do give you a brand new phone.
Worked for me at Puerto Rico... ...Just 50 bucks, no contract extension...
you can do what i did and 2 other people did we had our moguls replace over at ppcgeeks they have a thread about filling out a form and getting a tp here is the website http://forum.ppcgeeks.com/showthread.php?t=53327
I got upgraded to a TP
Well on Sunday, I dropped and cracked my Mogul screen, did a claim on the assurian website, and got a Brand New Touch Pro on Tuesday in the mail. $50 and it did nothing to my contract, no extension. I will be getting the new Palm when it comes out.
Just curious, on how many people got insurance for thier phone.
I come from the school of; If "it" doesn't have moving parts no point in getting insurance. Feel free to chime in.
Accidentally voted "I've got insurance, thank goodness and it came in handy. where actually I'd like to vote "No insurance"
I have and its save my ass "loads" of times, The only hadset Ive not used the insurance for is my Touch Pro.
If it is really a $125 deductible as indicated in the other thread, then there's really no point. Phones depreciate so fast you could simply save the $$ yourself and purchase a phone IF you ever need to. I haven't needed to claim an insurance claim in 12 years. If I had paid for the insurance all that time I'd be out over $700 and still have to pay the deductible if I needed to make a claim.
never insure something you can afford to replace yourself
There is an alternative - read below:
I would purchase one for at most a year through the carrier. The deductables have really gotten high to justify anything over a year. Had the coverage years ago on a Nokia and you forget its on the bill! At the time there were deductables around 25 dollars - so people used the coverage to get a new phone every 8 months or whenever a better phone came out. Cost the insur cos a ton so they starting jacking the rates and restrictions.
Alternative:
I just bought a SquareTrade for two years for something like 35.00 with a coupon. Bought a brand new zero hour phone through Ebay (Best Buy Outlet) and qualified for a two year warranty. Has a zero deductable and basically will cover everything except for physical damage and theft. Basically they have a couple of warranties - one that covers damage but you have to purchase the phone I think from a nonEbay source. There is a deductable and it doesn't cover theft. With SquareTrade they will REFUND the purchase price if anything goes wrong that they can't fix. So if the keyboard craps out or there is a motherboard problem its covered. The only catch is you have to purchase the plan I think within 30 days of purchase.
Something goes wrong you send it in (they'll send a mailer and deduct postage) - if its worth a repair they'll fix it otherwise they credit your Paypal account within a couple of days after receiving it. From experience they do pay out - had a Razr that went bad after about a year (flex ribbon) and a TYTN I (motherboard, bad GSM errors). They paid out in full for both - no hassles. They will more than likely look for the water damage seal for activation - SO its not a good idea to crack open the phone and break the seal unless you have a source for replacment seals - they are available if you look.
Anyone here suggest having it from T-Mobile?
It's $7.99 a month...
Is it worth it? I don't get my phone stolen or lost... I always take care of my phones..
Input before bashing!
it's completely user preference.
Ask yourself this when trying to decide: "is $ worth it to me in the event that something unfortunate happens to my phone? Do I want to spend $$$ to buy a new one if the problem is not covered by the original warranty?"
Some people have horror stories in dealing with asurion others no problem at all... And remember, the plan does not specify that you'll get a brand new, unused phone, just a comparable phone....so you could end up with a refurbished phone after you're deductible...and who knows if it was ever fixed in the first place!
For me personally, I go with the middle tier insurance (4.79/month+130ded) for the first year because chances are that if I start having problems after that, I'm just gonna go in and get new phone and renew my contract at that point.
I got it but that's b/c i work for t-mobile and I've heard so many unfortunate stories
I take care of my phone as well but it's technology...anything can happen
Have a look at SquareTrade. Way cheaper and covers damages. If they can't fix it, they'll pay you the price you paid for the device. They charage a $124 fee for 2 years of coverage, zero deductible.
Search around online, you probably can find a coupon code to help you get 20-30% off the regular price SquareTrade would charge you for coverage.
Asurion's deductible alone is about as much or more than Squaretrade, plus you'd have to pay Asurion $8/month on top of that.
SquareTrade's protection is also transferable if you sell/give the device to someone else. (Sure to help your resale value on Ebay . )
But ultimately, if you don't have a history of damaging devices, you could save more by simply not buying insurance you don't need. The device does have a 1 year manufacturer's warranty. And there are many cell phone repair shops these days that don't charge much.
So it's up to you. Good thing is that you have plenty of options to choose from.
Asurion is NOT good insurance! You pay a monthly fee of around $8 and then a $100 (or $150 not sure which) deductible to actually get the phone replaced and they CAN still send you a refurbished phone as a replacement. So you pay for the phone twice and still may get a used POS! Don't waste your money. The standard warranty is a year with just about the same coverage (you just can't be at fault for any damages to get fixed).
I haven't checked out squaretrade yet, but imo a comprehensive insurance is a must. No matter how well u take care of ur phone accidents can happen and so can theft. To my knowledge, warranty only covers manufacturing defects, not incidental damage/theft.
Check your house insurance, mine is covered up to £700 for loss or damage, no excess to pay....
jdelforge5684 said:
I haven't checked out squaretrade yet, but imo a comprehensive insurance is a must. No matter how well u take care of ur phone accidents can happen and so can theft. To my knowledge, warranty only covers manufacturing defects, not incidental damage/theft.
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I would not say a "must". But worth considering if you have a history of issues. I used to buy it all the time, and after almost 10 years of never using it I stopped buying it and still was going just fine without it. I did get it on my Sensation though, because I got a very good deal from SquareTrade when I brought the Sensation through Ebay. The deal I got was <10% of what I paid for the Sensation, which is a price less than replacing it with a used one 2 years from now and less than I'd have to pay a repair shop to fix most any issue. So I'll get the insurance when I can get get a very cheap deal on it. Otherwise, I'll self insure, as in not buy it.
I'd certainly never use Asurion though. They got enough of my money in the past. In a year $8/month is $96 + $100(or higher) deductible = ~$200. So to pay about $200 or so for a refub of the same device is pretty terrible of a deal IMHO.
My old HD2 is the first device I've had that broke do to issues from drops over time, it's SIM slot broke after 16 months of ownership, that would have costs me about $225+ through Asurion, just to get a refub HD2 to replace it. I can get a nearly brand new HD2 for that price off Ebay tonight. But I didn't even want another HD2 16 months later, I wanted something new, so I sold the used broken HD2 on Ebay. The HD2 and it's SIM card with the Transformers movie fetched me almost $150 which went torwards Sensation accessories and more than paid for the SquareTrade coverage. I could have used that money to buy an HD2 in better condition if I desired, or paid less to get the broken HD2 repaired. But in no way does the math ever work for me to use Asurion ever again. If car insurance or home owners insurance were 50% of the price of the device new or 100% of replacement with a used version of the same, people would cry it was fraud.
kjt57 said:
Check your house insurance, mine is covered up to £700 for loss or damage, no excess to pay....
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For the vast majority in the USA, they won't cover a cell phone. And usually if they do, the deductible is as high as the price of the phone if not higher.
GET IT. I have it over 5yrs since I had my tmobile wing & even if you take care of it something could happen example my hd2 messed up when the electricity went out in my house the phone was connected to the tv and after that phone kept getting random boots. Just get it best investment you could do for your phone.
DEDUCTIBLE IS $130 for the Sensation according to Asurion website and literature.
I gladly pay $8 a month knowing that each year I can have my phone replaced twice. Lost, stolen, damaged no questions asked. Each time I have paid my $130 deductible I have received a brand new in box device. I have used it about 4 times now. They even send u a Sim card and it usually arrives the next day after u male the claim. But I will look into this other company u guys r talking about
Sent from my HTC Sensation Z710e using XDA Premium App
Your right $0 deductible for squaretrade but once Ur care plan is considered fulfilled you need to drop another x amount to cover you new device...
So to me that's the same as paying Asurions deductible.
Not to mention I paid a subsidized price for my sensation and if I was to buy another one I couldn't get it for that price again. So does that mean I'm screwed?
Coverage Amount For replacement payments:
You are covered up to the maximum value you paid for the item. Once we pay out that amount, your Care Plan is considered fulfilled. If you would like coverage on your new item, you need to purchase a new warranty for it.
For Repairs:
The Care Plan is good for multiple repairs, up to the maximum value of your item. Once the cost of repairs meets the full purchase price of the item, your Care Plan is considered fulfilled.
Sent from my HTC Sensation Z710e using XDA Premium App
I saw some other threads and figured I'd share a new discovery of mine. Not sure if anyone has heard of them:
http://www.worthavegroup.com/
Very affordable insurance and beats out SquareTrade, I think.
Just finished a claim on my EVO 4G with SquareTrade and they closed the warranty once they reimburse me. So essentially, once they pay you for a new phone, your warranty is considered fully used regardless of how many years of coverage you have left. Worth Ave has unlimited claims and includes theft and loss and all that cool stuff for a good price. $50 deductible for $599 coverage for my new Epic 4G Touch (iPhones have different coverage but other devices like Android phones are the same essentially). Roughly $60 bucks a year flat fee. I did my research on them before hand and I've only read good things.
Just thought I'd share!
-Rip
Do they reimburse you or just send you a "refurbished" phone? I like the fact that SquareTrade reimburses you so you can go out and buy any new phone on the market and yes, then you do have to buy a new warranty but it is a totally "new" phone.
frodoboy said:
Do they reimburse you or just send you a "refurbished" phone? I like the fact that SquareTrade reimburses you so you can go out and buy any new phone on the market and yes, then you do have to buy a new warranty but it is a totally "new" phone.
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SquareTrade reimbursed me to the EVO's current market value ($450). They do not give out refurbs and I believe Worth Ave is the same. They are not actual repair shops so they are not entitled to give you a replacement or refurb. Either they pay for repair at an authorized/licensed repair depot or they reimburse you with good old cash to buy another phone at current market value.
Insurance
Hello,
I don't know about in the US but my mobile is covered under the "accidental damage" portion of my home insurance policy, sure it might cost me my excess but I will only pay it if I damage the phone which may not happen.
regal_beaver said:
Hello,
I don't know about in the US but my mobile is covered under the "accidental damage" portion of my home insurance policy, sure it might cost me my excess but I will only pay it if I damage the phone which may not happen.
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Usually homeowner's policies have pretty high deductibles, usually $500 or more and that basically leaves you without coverage on all phones.
I think this is covered in some other threads. But check with your home owners insurance. I can get a rider for mine that costs $18/year. It is $18/year for up to $5000 of computers, cell phones, software, peripherals, etc. Not $18/device. Just $18/year!
It is all risk coverage. So it covers theft, loss, damage (like dropping it). $50 deductible.
So check with your insurance carrier is you have home owner's insurance (or apartment insurance).
a case is my insurance policy.
These always have deductible, take a couple of days and get a refurb old phone.
With the way tech changes, always feel its just better to trade up to a new phone if you lose/break.
Looking at the insurance options it seems to be between ATT, Samsung, and SquareTrade. For those who have insurace what did you pick and why?
from what I can see:
ATT:
Pros: Low Monthly ($8.99), Covers loss and theft, I believe you, I believe you are certain to get your original color?
Cons: Initial high deductible until it slides, not covered under the $89 screen repair
For ATT is it as simple as walking into a store, filing a claim, and walking out with a new one?
Samsung:
Pros: $99 deductible always, Someone comes to your house either same or next day I believe
Cons: High monthly payments ($11.99), Does not cover loss and theft, No guarantee of phone color
SquareTrade:
Pros: Low Monthly payments (I read someone said it was $7), Also read it was a low deductible like $70
Cons: Does not cover loss and theft. Too good to be true? Slow claims? I really dont know anything about this company so if someone has had experience with them it'd be helpful to know!
Guitarboarder28 said:
Looking at the insurance options it seems to be between ATT, Samsung, and SquareTrade. For those who have insurace what did you pick and why?
from what I can see:
ATT:
Pros: Low Monthly ($8.99), Covers loss and theft, I believe you, I believe you are certain to get your original color?
Cons: Initial high deductible until it slides, not covered under the $89 screen repair
For ATT is it as simple as walking into a store, filing a claim, and walking out with a new one?
Samsung:
Pros: $99 deductible always, Someone comes to your house either same or next day I believe
Cons: High monthly payments ($11.99), Does not cover loss and theft, No guarantee of phone color
SquareTrade:
Pros: Low Monthly payments (I read someone said it was $7), Also read it was a low deductible like $70
Cons: Does not cover loss and theft. Too good to be true? Slow claims? I really dont know anything about this company so if someone has had experience with them it'd be helpful to know!
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Just my two cents and I never used the protection plan before, just had a few phones break during the warranty period. Looks like at&t closed their device service centers, so everything is done by phone and shipped to you. I've had appointments on evenings and sundays to replace dead phones that was nice. Here's a something I put together if I decide to. at&t has extended their enrollment for the protection plans until the end of June if you missed out.
I need to update my signature too, M9 was about die....
Silverexp said:
Just my two cents and I never used the protection plan before, just had a few phones break during the warranty period. Looks like at&t closed their device service centers, so everything is done by phone and shipped to you. I've had appointments on evenings and sundays to replace dead phones that was nice. Here's a something I put together if I decide to. at&t has extended their enrollment for the protection plans until the end of June if you missed out.
I need to update my signature too, M9 was about die....
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yea I ended up going with att. thats a good speadsheet though. thanks for the share!
I have used Square Trade for many years for all my family phones, laptops/PC's, even a Keurig machine. Have had to claim a couple of times and they are very reasonable & super fast. One family member's iPhone screen cracked, initiated a claim, took it to local Genius Bar (isn't that name just a hoot), and uploaded PDF copy of the receipt, had full reimbursement from Square Trade into my PayPal account in less than 24 hours. No problems using this service at all. If device can't be fixed, or if repair facility wants to replace rather than repair, Square Trade reimburses the full cost. Just have to look at which service level and desired deductible you want.
Sent from my SM-G955U using XDA Premium HD app
Subscribed. I'd love to hear more on this.
I have always purchased AppleCare+, Samsung Protection Plus or On-Guard by Assurant ect for my devices. I have enjoyed paying a one time fee and having coverage for 2 years and not being gouged with a reoccurring monthly fee. I've never had to make a claim but I feel great comfort in knowing I am covered.
I've never had carrier insurance such as AT&T's, mostly because I usually have several devices at any given time and swap my SIM often, and was told once ( most likely erroneously ) that once I swap my SIM into another phone the insurance is no longer valid for the original device.
Looking at what AT&T's insurance offers it seems outrageously expensive. I can't imagine anybody is actually paying for that. $229 deductible?!? Thats batshlt crazy!
I paid $129 for AppleCare+ for my iPhone 7 Plus. Deductible is only $29 for screen replacement and $99 for the entire device. Those are incredibly reasonable prices. My Note 5 was $129 with a $99 deductible.
When I purchased my Galaxy s8+ in store the AT&T sales associate was pushing the insurance really hard. I declined several times always planning on buying Samsung Protection Plus. I was pretty upset when I got home and saw that Samsung Protection Plus is not offered for the s8 and s8+. Instead we get Samsung Premium Care for $11.99 a month with no option to pay for the full 2 years. That means you are paying $306.03 I'm really not too happy about that.
I have several SuareTrade warranties. Have only had to make a claim once, on a 60" Plasma TV. They were super fast about accessing the situation remotely and ended up replacing it with a brand new, much nicer full array LED. I have to say I was pretty happy with how SquareTrade handled it. Maybe I'll give then a shot at my s8+. I'd rather do that than pay $306.03 to Samsung or a ridiculous $229 deductible with AT&T