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i have to pay a deductable!!

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  • i have to pay a deductable!!

    So if anyone knows anything about insurance knows you have to pay a deductable. This happens with health insurance, car insurance, and even (gasp) PHONE INSURANCE.

    Me: yup
    Sc: who else

    Me: hi this is faulker with (company) how can I help.

    Sc: yeah I've been having problems with my phone and then I dropped it in water. I called in and you people told me I would be charge $xyz and I don't under stand why since I have insurance for it

    Me: ok well its not good you were having issue with your phone before you dropped it in water, however that voids the warrenty on the phone so that's why it would cost you that amount because that's the deductable for the insurance.

    Sc: so what am I paying $x.yz for every month for insurance.

    Me: the amount you pay every month is to have the insurance for situations like this so you don't have to pay full price for another phone.

    Sc: but I have insurance!!

    Me: I understand and that's what the insurance is for. Phone insurance is the same as car insurance. You pay a monthly fee to have it and if something happens like a car accident you have to pay a deductable, all insurance companies do that.

    Sc: my insurance covers my car I don't have to pay a deductable I have full coverage.

    ( at this point it took every thing I had in me not to laugh at this idiot)

    Me: well mr customer I would like to know who you have your insurance through because I've been with a couple companies and all of them charge a deductable. So I'm sorry but the only option I have for you is to either make a claim with the insurance and pay the deduct or buy a new phone which if you want the same phone it would cost you 200 more than the deducable.

    Sc: but I was having issue with the phone before I dropped it this is bullshit

    Me: I understand that you were having problems with the device before it was dropped but the fact remains that the phone WAS dropped in water and because it was dropped that voids the warrenty. And I'm sorry but if the phone was not dropped we woulde be able to replace your phone right away.

    Sc: you guys are a bunch of theives. Your fucking robing me.

    Me: I'm sorry you feel that way but we are not just taking your money. As I advised you earlier if the phone was not dropped in water we would replace the phone for free.

    Sc: bullshit get me a supervisor.

    I place the sc on hold and then he hangs up. I swear if he was in front of me I would kick him in the face he really pissed me off.

  • #2
    Quoth faulker2283 View Post
    Sc: my insurance covers my car I don't have to pay a deductable I have full coverage.

    ( at this point it took every thing I had in me not to laugh at this idiot)

    Me: well mr customer I would like to know who you have your insurance through because I've been with a couple companies and all of them charge a deductable.
    Uhhh... Well, there are auto insurance companies that offer $0 deductible but the monthly payments are more expensive than if you did have to pay a deductible. That's probably the kind of coverage he had on his car.
    If you don't like my attitude, talk to the manager!!! Oh, wait, that would be me!!

    Yes, I'm the manager. I'm also known as "the brick wall".

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    • #3
      People have no idea how insurance works, so it doesn't surprise me at all.

      Comment


      • #4
        I had someone the other day who got his phone wet. He wanted to buy a phone outright rather than pay the deductable.

        The price of the phone he wanted? $300 plus tax.

        The deductable? $50.
        "Now, don't feel bad. It's not you, it's me. I don't like you." - Aeryn, Farscape

        Suddenly you realize...you're not alone in the Universe - farchild628

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        • #5
          Quoth faulker2283 View Post
          . I called in and you people told me
          THIS!!!

          When the 'you people' gauntlet is thrown by an SC my brain just clicks off and refuses to budge.

          GOD, but I HATE the 'you people' comment!
          "So, if you wanna put places like that outta business, just stop being so rock-chewingly stupid." ~ Raudf, 9/19/13

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          • #6
            Quoth wordboy View Post
            The price of the phone he wanted? $300 plus tax.

            The deductable? $50.
            I have a shiny new new phone. It cost less than that deductible (even at the £2=£1 exchange rate).
            "I can tell her you're all tied up in the projection room." Sunset Boulevard.

            Comment


            • #7
              Quoth cinema guy View Post
              (even at the £2=£1 exchange rate).
              I wanna know where I can exchange £1 for £2...
              Carpe Jugulum : Go for the throat.

              Comment


              • #8
                Hi. My name is EQ. I drop my phone in water all the time.

                *chorus of greetings*

                What the idjit should have done was just take the battery out of the phone and turn it opening-down on some paper towels and leave it alone for a day or two. Then, plug it in and let it fully charge. Phone should work just fine*.


                *So far I've got this to work for 3 phones, unfortunately all of which were LG phones so I don't know if it'll work for others.
                Ridiculous 2009 Predictions: Evil Queen will beat Martha Stewart to death with a muffin pan. All hail Evil Queen! (Some things don't need elaboration.....) -- Jester

                Ridiculous 2010 Predictions: Evil Queen, after escaping prison for last years prediction, goes out and waffle irons Rachel Ray to death. -- SG15Z

                Ridiculous 2011 Prediction: Evil Queen will beat Gordon Ramsay over the head with a cast-iron skillet. -- FireHeart

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                • #9
                  Quoth Fenrus View Post
                  I wanna know where I can exchange £1 for £2...
                  Me too!! I meant dollars $$$$$$$$$$$$
                  "I can tell her you're all tied up in the projection room." Sunset Boulevard.

                  Comment


                  • #10
                    Quoth Evil Queen View Post
                    Hi. My name is EQ. I drop my phone in water all the time.

                    *chorus of greetings*

                    What the idjit should have done was just take the battery out of the phone and turn it opening-down on some paper towels and leave it alone for a day or two. Then, plug it in and let it fully charge. Phone should work just fine*.


                    *So far I've got this to work for 3 phones, unfortunately all of which were LG phones so I don't know if it'll work for others.
                    You may also have to clean the circuit board. Generally water will contain impurities, which can short out pathways on the board. Once its dry, inspect the pathways to make sure there isn't anything that would cause an issue, reconnect power, and it should work just fine.

                    Electronics are not actually permanently and instantly destroyed by water. Most of the time it just shorts out, shuts off, but can be repaired (eg, dried off and cleaned) and it ought to work again.

                    Comment


                    • #11
                      Quoth Fenrus View Post
                      I wanna know where I can exchange £1 for £2...
                      damn you Fenrus... the seed has been planted... the universe now knows that you can get £2 for £1 (even if just in jest)... now an SC will surely ask one of us to do it.
                      If you wish to find meaning, listen to the music not the song

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                      • #12
                        I don't know who you work for,but I know we get the same stuff. The best ones are the customers who start going off that the phones only cost 12 bucks to makea and how dare we charge them more. What most don't realize is the companies sell the insurance only. Huh imagine that
                        I like to scare small childeren, it's fun and as long as you can out run the parents you can get away with it.

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