My phone had some water damage and now some of the keys don't work. I have insurance and I'm looking into replacing the phone.

It really irks me that I have to pay a $50 deductible on top of the $5 a month I've been paying for almost a year to get the phone replaced. I just don't see the point of insurance when I can get a newer, better phone for $50 (insurance will probably give me a refurb.) and not have had payed the monthly premium.

Anyway, has any one had experience in getting the insurance company to waive the $50 deductible?

well if you ha vent actually filed the claim i have a better suggestion. i had this same experience and no there were no way of getting the 50.00 bucks waived and yes i have cingular but the delivery guy who brought replacement phone told me a little trick that he did to get around it . he called cingular and reported the phone stolen they told him to go to police dept file report and send them copy of it and they replaced his phone without the 50.00 deductible. hey its a thought and it worked.


and the part of the refurb with insurance well when i had water damage they sent me what was supposed to be new phone but i had so many probs they had to send me another one so um yeah refurb whether they say it is or not ..

If that is part of the agreement it's unlikely you will be able to get out of paying it. It should, however, cover replacement with a new equivalent model phone, not a refurbished model. That too should be in the insurance agreement.

The only other way I could think that would allow you to get out of the deductable is if the contract is nearly up he should be eligible for a new phone or upgrade anyway. I am with a different company and they allow you to upgrade with 60 days remaining on a plan without paying a penalty. You could also threaten to cancel the plan but if you aren't at the end of it they will hit you with a hefty early termination fee.

The only thing I can say that might help you feel a bit better is that if you look at the price of the phone without a plan and see that it probably is still saving you money having insurance. I don't necessarily believe the phone prices are fair, but it's what they would charge you to buy it outright.

Good luck!