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Ensuring Insurance Elicits Illicit and Affected Effect

July 14th, 2010 § 0 comments

I have a T-Mobile G1/HTC Dream. It just died. About 4 months ago, it started choking in the faintest stirrings of its coming death throes.

4 months ago, I still had insurance on it. I canceled my insurance (you know, the 6.95/mo T-Mobile charges to ‘insure’ your phone), since I discovered that the deductible for that insurance was close to $200.

That’s right, the phone I got from T-Mobile for $199 and insured at $7/mo for two years (total: $166.80) is replaceable–for $200.

Why the devil didn’t I realize that this is a MOBILE PHONE company, and as such, will find a way to screw me?

As a result, and most certainly the saddest part of this situation: I just bought another G1 on Ebay for $116, shipping included. I could have saved more than $50 even WITH buying a new phone…simply by ASSUMING that all cell phone providers will find a way to screw their customers.

Lesson learned.

PS: I’ll have a phone again in two or three days. Through T-Mobile’s insurance plan, it would have been 4-6 weeks to have mine replaced.

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