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Extended warranty vs Insurance

by Matt_a    Jul 15, 2013, 9:53 AM

I know there are several Verizon employees on this forum, so I'm hoping one of you can explain something to me. Here's the situation:
My son's phone is an iphone 4S. For whatever reason, it has decided that it will no longer charge (tried everything). I have been paying for the insurance as well as the extended warranty. I just called Verizon to see what we need to do and this is basically what I was told.
If the phone failed because of damage (like water) then it will be something like $169 deductable for a replacement phone. If it failed because of faulty equipment, it would be a free replacement thru warranty. Ok..fair enough. BUT, here's the part I don't get. He said that if we submit it as a warranty claim, but they determine is was damage or neglect, then we would be billed full retail! Why, if they say it was damage, can't they just send it back and let us do it as an insurance claim? I mean, I don't think its damaged, but I don't know that for sure. It could have gotten wet in the rain or something. That's one heck of a gamble to take. It almost makes the extended warranty useless if you have to be afraid to use it.
Was I given bad info, or was that correct? Any suggestions?
Thanks in advance!

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