Motorola RAZR V3
More on insurance
Check this thread:
http://www.howardforums.com/showthread.php?s=0af0dec ... »
The net is that he tried to use the insurance on his V3 and was denied...
http://www.howardforums.com/showthread.php?s=0af0dec ... »
The net is that he tried to use the insurance on his V3 and was denied...
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That's not EXATLY accurate..... 🙂
He was denied a replacement V3, but was offered a replacement V600. IMO, that shows you they know they have a liability. The guy agreed to what amounts to a "settlement" because he's a tech and can get another one if he wants.
The more IMPORTANT content from that thread is from an insurance underwriter who posted:
"You are not held liable for Lockline's decision not to cover this phone under their agreement with Cingular, Cingular is. As with any business, any Cingular employee's actions are the responsibility of Cingular as a company. You were sold insurance with the purchase of your phone and for your phone. You are therefore covered by your payment of the monthly premium and any issues with cov...
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He was denied a replacement V3, but was offered a replacement V600. IMO, that shows you they know they have a liability. The guy agreed to what amounts to a "settlement" because he's a tech and can get another one if he wants.
The more IMPORTANT content from that thread is from an insurance underwriter who posted:
"You are not held liable for Lockline's decision not to cover this phone under their agreement with Cingular, Cingular is. As with any business, any Cingular employee's actions are the responsibility of Cingular as a company. You were sold insurance with the purchase of your phone and for your phone. You are therefore covered by your payment of the monthly premium and any issues with cov...
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I have never been one to run from a fight, but if Cingular never bills you (which they won't) for the insurance, then you have given no "consideration" (money) for the insurance. Have they not simply (and cowardly) taken back their offer of insurance coverage? I am the guy that got the whole insurance pitch and sale recorded on tape, and I am still not sure it proves that Cingular is guilty of anything other than, pathetic planning, questionable business ethics, a cavalier attitude, and a general disregard for servicing their customers, ... unfortunately, none of which is illegal. I ported over from Verizon, and today I went back into a Verizon store to review what options I have if I port back within my Cingular grace period. While there...
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mcoop said:
EVERYTHING in a Verizon store is insurable ... phones, PDAs, high speed modems ... everything. A couple of products which cost MORE than a V3! Why can't (won't) Cingular do this?
Cingular doesn't actually insure the devices, a third party insurance company (Lock/Line)does.
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lockline does the insurance for Verizon too. GSM carrier such as Cingular and the old AT&T do not cover any high end or PDA equipment over $400. But Sprint PCS and Verizon cover all of theirs. To tell you the truth, the V551 has the same features plus video capture,...AND IT IS COVERED! Why pay more for less/and no coverage. I realy can not tell you why the decision was made not to cover the V3, but I beleive it is a combination of popularity and high risk.(people filing claims to sale the phones on e-bay). That is just my personal inside..... OPINION.
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Cingular doesn't insure the phones. We use a third party insurance company called Lock-Line. What they insure or don't insure is up to them.
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Do keep in mind that Lock/Line works closely with CNA, another insurance company.
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Actually...
Insurance only covers the phone on the customer's account as the active phone. I'd wager that Dude never called to update his account with his V3 and still had the V600 as the active, insured phone on the acct.
Same as with car insurance... If you trade your old clunker car for a brand spankin' new SUV, your insurance would continue to cover the clunker until you change your insurance over to your new car.
Insurance only covers the phone on the customer's account as the active phone. I'd wager that Dude never called to update his account with his V3 and still had the V600 as the active, insured phone on the acct.
Same as with car insurance... If you trade your old clunker car for a brand spankin' new SUV, your insurance would continue to cover the clunker until you change your insurance over to your new car.
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Ok, I found this out yesterday. My cousin works for Motorola and she said the reason the Razr is so expensive is because all the parts inside are 1/100th of the normal size. If there is a problem, the whole circuit board would have to be replaced. Hence, no repairs = no insurance. I dont know, that's what I heard and it makes sense to me.... 😳
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They still SHOULD offer insurance, even if it is at a slightly higher premium than the normal insurance..their refusal to offer insurance on the RAZR or any PDA doesn't make their company look good in the eyes of many consumers..
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Let's face it. This is NOT about insuring something which is "1/100th of normal size". If the world could not insure things that are small, then we could not insure fine watches, laptop computers, or ... Cingular's conscience. 🤣 The only reason we don't have insurance is because of Cingular/Lockline's pathetic planning, their fear of fraud, their fear of loss, and their cavalier attitude about servicing their customers. Remember this the next time somebody asks you how you like Cingular's service.
By the way. If the guts of the V3 are really 1/100th the size of normal ... shouldn't the V3 be about as thin as a credit card? 😁
By the way. If the guts of the V3 are really 1/100th the size of normal ... shouldn't the V3 be about as thin as a credit card? 😁
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NEWS FLASH!!! All phones when repaired have the entire board replaced! All individual components are too small to replace individually at the board level so that was just another BS answer!
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Lock-Line will not cover the Razor, nor the Handspring Treo phones
Aparently, they had allot of people claim they lost theiers, paid the $50 deductible, and sold it on E-Bay for a big profit.
It would seem they could offer some sort of insurance for damage only, requiring you send the phone to them as proof it was damaged, then send you a new/refirbished one.
Ohh well, guess people with these phones need to find other ways to insure them.
Aparently, they had allot of people claim they lost theiers, paid the $50 deductible, and sold it on E-Bay for a big profit.
It would seem they could offer some sort of insurance for damage only, requiring you send the phone to them as proof it was damaged, then send you a new/refirbished one.
Ohh well, guess people with these phones need to find other ways to insure them.
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There are several ways in which Cingular and lock\line could offer some coverage. They could raise the premium, they could raise the deductible, they could cover damage only, they could do background checks, they could do credit checks, they could require police report documentation, etc.. But none of this will happen. Cingular won't hassle with it because they are not in the insurance business, and lock\line won't do it because they ARE in the insurance business 🤣 . It can be done ... as any Verizon customer knows ... Verizon insures ALL the products they sell. It's a cavalier attitude like Cingular has that makes people move to another cellular provider, and it's penny pinching chicken s**t attitudes like lock\line's that encoura...
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"it's penny pinching chicken s**t attitudes like lock\line's that encourage people to commit fraud because they feel they have been wronged by insurance companies in the past."
*****
You've GOT to be kidding..... 😕
Insurance fraud is theft. It's a lack of personal morals and ethics that causes people to commit fraud, and nothing else. It's that blatant lack of personal ethics you're referring to that fraud is somehow "justified" that costs all of us more for the insurance we buy, and not just on cell phones. It's also what causes companies like Cingular and lockline to not be willing to offer the insurance, because they know they'd have to charge the customers that DON'T steal more than the market is willing to pay to cover the lo...
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*****
You've GOT to be kidding..... 😕
Insurance fraud is theft. It's a lack of personal morals and ethics that causes people to commit fraud, and nothing else. It's that blatant lack of personal ethics you're referring to that fraud is somehow "justified" that costs all of us more for the insurance we buy, and not just on cell phones. It's also what causes companies like Cingular and lockline to not be willing to offer the insurance, because they know they'd have to charge the customers that DON'T steal more than the market is willing to pay to cover the lo...
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Wow! I guess I was trying to be too brief in my comments. No, actually I abhor fraud. I agree with most all of what you said (although I don't understand the Slurpee metaphor/simile). Insurance fraud is a rampant, cost inflating, virus that we all end up paying for. My point is that when people are bent toward being dishonest, the attitude of insurance companies will more often than not give them their personal justification for committing the crime. Insurance companies are supposed to work like this: A big company takes in a token amount of money from a large group of people, so when just one of those people has a loss of a covered item, the big company pays for most of that covered item. But that IS NOT the way it works any more. Lo...
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Sorry, didn't mean to run up and down your back in track shoes 🙂
IMO one of the issues plaguing US society in this new gilded age is that people don't take personal responsibility any more. Everything is always someone else's fault, and someone else should pay their way. Combining this lack of personal accountability with a lack of integrity and common courtesy creates unnecessary conflict in everyday life. Sometimes, it resembles class warfare, as is the case with the V3. It's an expensive phone, no doubt. It's also elegant and is comprised of advanced technology (notice how nobody's talking about how great the reception is, despite the absence of one of those godawful stub antennas?) and materials. It's a Mercedes, a Porsche.
So, ...
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IMO one of the issues plaguing US society in this new gilded age is that people don't take personal responsibility any more. Everything is always someone else's fault, and someone else should pay their way. Combining this lack of personal accountability with a lack of integrity and common courtesy creates unnecessary conflict in everyday life. Sometimes, it resembles class warfare, as is the case with the V3. It's an expensive phone, no doubt. It's also elegant and is comprised of advanced technology (notice how nobody's talking about how great the reception is, despite the absence of one of those godawful stub antennas?) and materials. It's a Mercedes, a Porsche.
So, ...
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I understand it as well BUT...
there are those of us, you as well i'm sure, who simply want to be insured. this is not asking too much. A simple fix would be to insure damaged phones, where, in order to get a replacement phone, the customer must bring in the damaged one. simple. maybe too simple.
I mean accidents DO happen.
there are those of us, you as well i'm sure, who simply want to be insured. this is not asking too much. A simple fix would be to insure damaged phones, where, in order to get a replacement phone, the customer must bring in the damaged one. simple. maybe too simple.
I mean accidents DO happen.
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There are ample safeguards that the insurance company can use to minimize fraud.
For damaged phones it has already been suggested that the user can take it back to the store and arrange for the replacement there or the insurance company can demand that it be returned before a new one is shipped.
For a lost or stolen phone, the phone ESN can be listed in the national database (available to all carriers) of invalid ESN so thaat the phone can't be reactivated if sold to someone else.
Finally, they can raise the premium if they believe the risk is higher.
There is no excuse for this insurance company to declare that this phone is uninsurable because it is expensive. Cingular will never permanently surpass Verizon if it doesn't care...
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For damaged phones it has already been suggested that the user can take it back to the store and arrange for the replacement there or the insurance company can demand that it be returned before a new one is shipped.
For a lost or stolen phone, the phone ESN can be listed in the national database (available to all carriers) of invalid ESN so thaat the phone can't be reactivated if sold to someone else.
Finally, they can raise the premium if they believe the risk is higher.
There is no excuse for this insurance company to declare that this phone is uninsurable because it is expensive. Cingular will never permanently surpass Verizon if it doesn't care...
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I had been reading the thread and then just went to the end to see if I saw anything new... so, if I missed something.
Lockline does cover this phone. I signed up for the insurance through Cingular telesales about one month ago. There is a monthly charge that appears on my bill for the insurance.
I just had a mishap with my phone, had to call for details on coverage and sent the phone in for replacement. What I got back was a v3 but it was refurbished.
Needless to say I went ballistic and had my attorney draft a letter to Cingular and Lockline requesting an immediate, new phone.
I received my brand new v3 yesterday and was told to keep the refurb for my trouble.
I am not advocating doing this, don't like the way it went d...
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Lockline does cover this phone. I signed up for the insurance through Cingular telesales about one month ago. There is a monthly charge that appears on my bill for the insurance.
I just had a mishap with my phone, had to call for details on coverage and sent the phone in for replacement. What I got back was a v3 but it was refurbished.
Needless to say I went ballistic and had my attorney draft a letter to Cingular and Lockline requesting an immediate, new phone.
I received my brand new v3 yesterday and was told to keep the refurb for my trouble.
I am not advocating doing this, don't like the way it went d...
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I just think it's crazy half of you people come up with some pretty clever ways to scam v3's. If you have an attorney in the fam, have him spot you the money for the it phonejunkie. no need to scam one
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bigrob,
why don't you change your handle to bigknob?
I didn't scam anyone/anything you slipknot. I tried to explain clearly my experience with Cingular and Lockline.
I feel bad for the folks that take out and pay for the insurance only to find out that Cingular thrusts a refurb model down their throats.
I am very hopeful that my experience was not indicative of the experience others will have if they lose or damage their phone. Just wanted to give a heads up that refurb v3's may be coming your way and to encourage you to be alert and dilligent in getting a proper replacement.
why don't you change your handle to bigknob?
I didn't scam anyone/anything you slipknot. I tried to explain clearly my experience with Cingular and Lockline.
I feel bad for the folks that take out and pay for the insurance only to find out that Cingular thrusts a refurb model down their throats.
I am very hopeful that my experience was not indicative of the experience others will have if they lose or damage their phone. Just wanted to give a heads up that refurb v3's may be coming your way and to encourage you to be alert and dilligent in getting a proper replacement.
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OK...does anyone have any updates concerning anyone providing insurance on the V3? hell, i am almost nervous just taking it out of the case.
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If that's the case, if you're still within your trial period, I'd bring it back. What good is a high end phone to you if you can't enjoy it?
The insurance is anything but clear - some are getting it, some aren't, and the ability to have a claim honored is murky as well - but it isn't going to clear up any time soon, and if that level of uncertainty makes you that nervous, it's not the right phone for you.
I've never taken insurance on a phone before - in essence I "self insure." I took it on the V3, because it's cheap relative to the cost of the phone. But if I didn't have it, and I lost my phone, I wouldn't exactly be looking for sharp objects.
Not that I plan to lose it. 🙂
The insurance is anything but clear - some are getting it, some aren't, and the ability to have a claim honored is murky as well - but it isn't going to clear up any time soon, and if that level of uncertainty makes you that nervous, it's not the right phone for you.
I've never taken insurance on a phone before - in essence I "self insure." I took it on the V3, because it's cheap relative to the cost of the phone. But if I didn't have it, and I lost my phone, I wouldn't exactly be looking for sharp objects.
Not that I plan to lose it. 🙂
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