Asurion And Sprint Illegal Insurances Practices By Asurion and Sprint Springfield Nationwide
I walked into a Sprint store about 10 months ago to purchase the Samsung Instinct. The Sprint Rep told me about the insurance on the handset. "It's only $3 per month and there's only a $50 deductible. My phone was recently stolen. I went to file a claim, just to find that Sprint/Asurion has now doubled my deductible w/o my consent. Insurance law in PA is very specific that you must obtain written permission from the insured BEFORE making policy changes. In addition to that Sprint is in violation of ethics laws pertaining to the misrepresentation of insurance products in the marketing and sales stages. I spent hours on the phone with these two companies.
They claim that they did this to be fair because consumers w/ low end phone pay the same amount. Fact of the matter is it is still illegal to make these kind of changes. In addition to that, the policy was underwritten when all the current technology was out there and in consumers hands-meaning that premium and deductible was made to cover the high end phones. If they really wanted to be fair they would DROP the deductible of the low end phones, not keep consumers w/ low end paying to much and raise the the deductible of high end phones so that EVERYONE IS PAYING TOO MUCH. The people in the entry level customer service tried to tell me I do not know the insurance laws and I am wrong. Ok, well you work in the entry level customer service call center. I sell health, life, disability, property and casualty insurance and annuities...so who do you think is more knowledgeable in the laws. Oh and I did tell these very same people that I am licensed in this state to do so so the fact that they had the nerve to sit there and tell me I don't know what I am talking about is just plain stupid.
So to sum things up, BEWARE CONSUMERS! Sprint, togeather with asurion, will market these insurance products to you and then, for all you know, will decided to just double their prices.
Dan
Havertown, Pennsylvania
U.S.A.
3 Updates & Rebuttals
Roger
San Francisco,California,
U.S.A.
Asurion Sent Notice
#4Consumer Comment
Sat, December 12, 2009
Asurion sent notices to all policy holders, including the schedule of fees that EVERY Sprint phone would have to pay for insurance related replacements. And by EVERY phone, I mean, it was a list of every phone Sprint has ever issued.
These notices went out in February and March 2009. You were also given the option to cancel your insurance (not your mobile wireless contract, as insurance is an add-on), without penalty, but would not be able to resign up unless you purchased a new line of service, upgraded your phone, or discontinued service and resigned up under the new rate. No one was grandfathered in.
There is no penalty for Sprint, or Asurion for changing your policy after you already signed up for it. Simply because it is an add-on. Now if it was REQUIRED you have insurance prior to activating service, or as a stipulation of having service (much like having full coverage is required on a car you are leasing), then they changed it on you, then yes, you would be able to have a case against them. Unfortunately, notice was sent out, there was an opt out for that level of insurance you have.
SprintSucks
Pennsylvania,United States of America
Reply to rebuttal: Learn to read AND write genius
#4Consumer Comment
Wed, December 09, 2009
To the author of the first rebuttal,
Insurance contracts are underwritten for the most current technology is available for those phones the insurer is covering. Seeing as this is an insurance contract, the cost had already been determined when the deductible was $50. Furthermore, your rebuttal (to a post involving legal boundaries of an insurance contract) using fowl language, no legal standpoint at all and, the grammar, spelling and vocabulary of a 6th grader doesn't help your argument at all. Phrases such as "you was sent a letter 3 times" gives off the impression you are either uneducated, highly unprofessional, and possibly a child still in school. Either way you look pretty dumb, far too mad, and possibly far too young to shed any light on this. Here's a hint, your standard word processor will have spelling and grammar checking. Try that next time, especially when statements that people who have complaints against Sprint or Asurion are "dumb asses, morons cry babies and somewhat slow". These things just make you look stupid, ignorant as to the subject you are speaking of, and in turn these types of rebuttals do 1 thing for Sprint and Asurion- make them look worse. Oh and the fact that you post as an employee with the subject line "Learn to Read" after all of the illiteracy is a joke. This is most likely the cause of Asurion and Sprints problems-they fill their company with stupid people like yourself. Chances are if you do in fact work for them, you are one of the entry level customer service representatives whom this complain was initially brought to. Cursing at people and using phrases that prove to people you most likely never made it through school and acting so angry, all while claiming you work there does one thing-proves the point of the initial post.
Summlife
kansas cuty,Missouri,
U.S.A.
Learn to read
#4UPDATE EX-employee responds
Fri, November 27, 2009
First you should have requested a copy of the terms and conditions.You was sent a letter from asurion 3 different times.If your address is incorrect with asurion contact your carrier and and have them update asurions system.If you knew anything you would know that all policies are most likely to changee at any given time.The only ones gettin ripped off is asurion.They have to pay for those phones >All of you that complain about asurion are dumb asses,morons cry babies and somewhat slow.Just cause you cant have your way you want to cry.It is not asurions fault that you lost your phone and/or broke it.You dont cry about your ded on your car insurance.Go buy a phone out right without a new contract and then say 100 ded is too much.