5 Tips for Filing a Successful Cellphone Insurance Claim

If you’ve ever dropped your cellphone and smashed the screen, you know how expensive it can be to fix—not to mention how difficult it can be to get your insurance company to pay up. Luckily, with these five tips for filing a successful cellphone insurance claim, you can get back on your feet and continue using your phone without the added stress of paying an arm and a leg.


1) Call the Police
In many cases, police officers can tell you whether or not your phone can be traced using a special tool. If it’s possible, call 911 and explain that you have been robbed of your cellphone. Not only will they connect you with your cell provider in order to start a trace on your phone, but they will keep an eye out for anyone suspicious in case someone tries to sell it back to you!


2) Take Pictures of the Damage
The first thing you’ll want to do is take photos of any damage that has occurred. Take photos from multiple angles and ensure that your cell phone isn’t present in them. This will help ensure that you don’t increase your deductible or claim value by taking pictures with your cell phone.


3) Talk to Your Carrier about Getting Repairs Done
Before you ever file an insurance claim, contact your carrier and see if they can help. Many times, you’ll find that their reps are willing to send you a new phone or cover repairs.


4) Update your Plan (but only if you need to)
If you have cell phone insurance, make sure your plan is up to date. You may think you have great coverage when you don’t. Make sure your plan covers water damage, accidental damage and loss of phone. Check with your provider about data protection as well; most carriers offer unlimited data protection today. If your existing carrier doesn’t offer these things, it might be time to switch to one that does.


5) Check your Policy Details
Most cell phone insurance claims are denied because you did not read and fully understand your policy terms. When purchasing or updating your mobile phone insurance, read every page of your policy carefully to make sure you understand what is and isn’t covered. If there are terms that are unclear, call customer service to ask questions before filing a claim.