Can Asurion deny a claim?
Yes. When you file a claim, Asurion investigates it to determine if it is valid. If the claim is not valid, it can deny the claim.
The high number of fraudulent claims is a threat to the insurance industry. Mobile insurance providers such as Asurion have to verify each claim before approving it to avoid spending so much cash on unnecessary replacements and repairs.
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Find out how Asurion handles claims
This insurance provider can cover smartphones against theft, loss, accidental damage, and malfunction. If your device experiences any of these, you should file a claim. Once you do this, the insurance company assigns someone to investigate the claim. The investigation process takes a couple of hours since it is quite thorough. It involves going through each document you submit to determine whether you have complied with the insurer’s guidelines.
For instance, when you file a claim after a phone is stolen, you have to submit documents such as a receipt showing proof of purchase, a copy of your ID, and prove that you reported the matter to the police. It also checks whether you have included details like the make and model of your phone, your contacts, and shipping, and billing address.
Apart from confirming such details, the investigating team will also check whether you have made claims in the past. Asurion limits the number of claims you can make within a particular period to discourage customers from filing claims constantly. If, for instance, you have been working with Verizon, you can make three claims in 12 months. If you work with Asurion Sprint, you will only be allowed to make two claims in a year.
The investigators also pay close attention to the precise issue that you are filing for. Once the insurer conducts investigations, it then decides on how to process with your clam. Asurion has been dealing with customers for many years. It, therefore, has adequate experience in handling claims. This insurance provider can also look for patterns to assess whether particular customers are likely to file fraudulent claims. Apart from assigning a certain team to investigate claims, this insurer also uses data analysis to monitor patterns. It also utilizes computer software that can detect fraudulent billing.
Why would Asurion deny a claim?
If, during the investigation, Asurion realizes that you are in the habit of filing claims, it can deny the claim you are making. This is because the insurance provider specifies the number of claims that you can make in a year. Apart from that, Asurion can also deny the claim if you file it but fail to pay the deductible. Before you enroll with this insurance provider, you should be aware of all of the charges that you may incur.
Besides the regular monthly payments you have to pay, Asurion charges deductibles to customers who file claims. If, for instance, you have a cracked screen and you need it repaired, you have to pay a deductible of $29 when you file the claim. If you have lost a phone or it gets stolen, and you fail to pay the set deductible during filing claims, it will be denied. You have to pay a deductible ranging between $9 and $249, depending on the value of the lost or stolen phone.
Asurion can also reject the claim based on what it finds out during the investigation. If, for instance, the insurer discovers that the phone’s problem is covered under the manufacturer’s warranty, it can reject the request. If, for instance, you file a claim for a damaged phone and the type of damage is not covered under the insurance plan, the claim can also be denied.
Failing to submit all the relevant details can also increase the chance of your claim being denied. For instance, if your cell phone is stolen and you have reported the matter to the police, you should not forget to get the badge number of the officer handling the case, the contacts of the station, and the case number. Though Asurion may not ask directly for such details, they are essential to include based on the company’s policies. The lack of submitting proof of purchase can also make your claim be viewed as fraudulent.
A summary of how Asurion handles claims
What Asurion investigates
|
Why |
The specific issue |
To find out whether the problem is covered under the limited warranty |
Whether you have reported a stolen phone to the police |
To verify if indeed the cell phone was stolen |
Documentation |
Things like a copy of your ID can verify your identity while the device’s receipt shows proof of purchase |
Past claims
|
To verify the legitimacy of the claim |
Conclusion
Protecting your device with Asurion is advisable since this insurer can cover it against accidental damage, loss, theft, or malfunction. It is, however, strict on claims and does not approve all of them. You can reduce the chances of your claim being denied by submitting all the relevant details and paying the required deductible.
FAQs
How many claims can you file with Asurion?
You can make 2-3 claims in 12 months, depending on the carrier you got your device from.
Why is Asurion taking so long?
It may require additional information from you when you file the claim. It may also be taking long since it does not have a replacement device in its inventory.
How much does it cost to file a claim with Asurion?
The deductible for a cracked screen is $29, while other deductibles cost between $9 and $249, depending on the device. Asurion, however, offers free battery replacement.
Can you cancel an Asurion claim?
Yes. If, for instance, you had misplaced your device and filed a claim, then you find it, you can cancel the claim. Call Asurion to cancel it.
Can I get my money back from Asurion?
Yes. It is possible to get a refund from Asurion if you cancel your plan. Get in touch with the customer representatives to get this service.
