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4 steps to follow if you have lost your Iphone or Blackberry

After you sign up for cheap phone insurance for your blackberry or Iphone, you have found peace of mind knowing that you are fully covered for whatever may happen to your phone down the road.

If you do happen to lose your Iphone or Blackberry, you can follow the next steps:

1.    Once you realize your phone is missing, Do not panic!
2.    Retrace your steps to the last time it was in your possession.
3.    Logon to your carrier site and temporarily disable the phone. You can also call the carrier and explain the possibility that your phone was lost or stolen, and they may eb able to disable the service with your approval.
4.    Do everything you can to find the phone around your home, your car or even your friends house the night before. Call around (using a friends phone or land line) to see if anyone had seen your phone. It could have slipped down into the couch or left on a counter somewhere.

If you are not able to locate your phone, chances are that it is lost forever and you must file a claim to receive a replacement phone. Your Insurance carrier should have a site that you can download the form to file your claim. As a standard procedure, this form is an affidavit claiming that your phone is lost or stolen and is no longer in your possession.

Once you file your claim, you will need to pay your deductible and the new phone will be sent to you through the mail. After it arrives, you can enable it through your service provider and re-enter all of your contact phone numbers and begin using your new phone.

How to Avoid phone insurance Fraud

A Tale of Lost and Found

The portable phone has now become a critical communication tool for many business people. Many can barely live without them if the phone becomes disabled, lost or stolen. Many elect to cover their equipment with cheap phone insurance for their Iphone or blackberry to have peace of mind. This is a very popular service that many take advantage of to ensure they can receive a replacement quickly and without much fuss.

However, companies that offer these policies must protect themselves against insurance fraud to stay in business and keep premiums affordable. Because it is so easy to lose a phone through theft or misplacement, insurance carriers need to protect themselves while providing a value added service to their customers.

Sometimes, the phone actually turns up a couple days later after you have filed your claim. Many people wonder if they can just return the new phone and get their deductible back. Usually, the answer is no. Once you have filed the claim, you have basically relinquished any rights to the old phone back to the insurance company.

If you try to sell the old phone or give it to someone else to recover your deductible, this could constitute insurance fraud and be a bigger issue than just paying the 125 bucks. Even if you notify the insurance company that you had found the old phone, you will be required to relinquish it and send it back to them for processing.

In summary, it may sound unfair, but once the replacement process is initiated, the insurance provider deserves to be compensated. They have spent their money and resources to send your phone and the $125 dollar deductible helps cover those costs, even if you have found your old phone after the fact.


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