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Before you have the need to file a cell phone insurance claim on a stolen phone, you should understand a few basics about just how your cell phone insurance works. Although you may know that you are paying a monthly premium for protection against stolen, damaged or lost goods, you need to understand that all insurance companies differ on just what they cover and how they cover it. In addition to your monthly insurance premium, you may also have to pay a deductible for any phone that you have covered which may be lost, stolen or damaged. Deductibles typically range from around $30 to over $100. Be certain that you know what your deductible is before you have the need to file a claim.
If you need to file a claim on a stolen cell phone you should first contact your local police department and file a claim with them. Once you have filed a claim with your local police, you can then proceed to file a claim with your insurance company giving them the information from your police report. It is crucial that you understand that your insurance company will fully expect you to report your stolen phone to the police department in your area.
Be certain that you report to your insurance company if your stolen phone is recovered as well. They will need to direct you on the proper course of action for the return of your phone. If you simply try to reactivate a cell phone that was reported stolen, you may find that your insurance company can file a claim on you for insurance fraud. If this is the case, your insurance company has every right to bill you for the replacement phone that you received as well as to cancel your insurance policy due to fraudulent action. Be certain that you notify your insurance company within twenty-four hours of the return of a stolen phone.
Once you are ready to file your claim, simply contact your customer care department and inform them that your cell phone was stolen. They will walk you through the necessary steps to ensure that you receive a replacement phone in a reasonable amount of time. Again, be certain that you have your police report handy as well as your insurance policy to expedite this process. Once they have verified your coverage and ensured that you are covered for stolen equipment, you may be transferred to another department who will actually process your claim. This could take several minutes to hours depending on the company. Above all, be certain that you are completely truthful with your insurance company. If they find that you are not completely truthful, they may deny your claim which would result in you having to purchase a new cell phone completely out of pocket.
The best course of action when reporting a stolen cell phone is to first contact your local authorities and place a report and then contact your insurance carrier. This will ensure that you are following the right steps and will help you to receive a replacement phone much sooner.
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