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post #491 of 2113
Quote:
Originally Posted by Rubers View Post

Quote:
Originally Posted by stargate125645 View Post

You are advocating doing more than just lying so they accept the claim. Statistics are used to determine at what price it is worth it to the insurance company to offer insurance; the more claims that are filed, the higher the price. Ergo, when you file a claim because you dropped your phone and don't like the scratch on the back, it counts towards those statistics and the price is raised when enough people do it.
This doesn't excuse the insurance company from denying a valid claim, but then all you have to do is tell them the phone was lost when you actually do have a valid claim. Others suggesting people lie so they effectively can use the phone without a case is not necessary to obtain a new phone and is simply wrong.

No I was suggesting filing legit claims under loss to prevent the insurance company scamming you.

If someone files for loss when it's a minor scratch on the back that's not a good thing. But someone who has an accidental damage claim that gets denied by the company, because that's exactly how insurance companies make money, is wrong and much more wrong than minor fraud to ensure you get what you paid for.

Hell, I've even heard of companies rejecting claims because there wasn't a case on the phone. Which is ridiculous.

Or a woman who was sold a policy for her 16 year old son, by the insurance company who said "yeah this'll be the best policy for you and your young son" and then a year later when they needed to claim they refused it because they don't cover people under 16. They even told her to fraud and claim as herself.

http://forums.moneysavingexpert.com/showthread.php?t=3849275

That place is full of horror stories of people with legit claims being denied.
Well, there were some ambiguous posts so if I mistook what you said in the context of others stating to do so, then you have my apologies. I did not see you proclaim doing so was wrong in the face of others.

I'm also not sure where you get your information, but that is not how insurance companies make money. Their money is made on charging enough to cover the small percentage of people who make claims over the ones that pay but do not file any.
Quote:
Insurance companies are PLC companies (generally) the the only way an PLC Insurance company can make money (which they are required to do by law) is to reject claims. So, no, I'm not suggesting people commit wrongful fraud. I'm suggesting that to avoid your insurance company reject a VALID claim, just file for loss which it's extremely hard for them to reject if you're covered for it.
That doesn't make sense.
Edited by stargate125645 - 8/13/12 at 7:16am
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post #492 of 2113
Quote:
Originally Posted by stargate125645 View Post

Well, there were some ambiguous posts so if I mistook what you said in the context of others stating to do so, then you have my apologies. I did not see you proclaim doing so was wrong in the face of others.
I'm also not sure where you get your information, but that is not how insurance companies make money. Their money is made on charging enough to cover the small percentage of people who make claims over the ones that pay but do not file any.
That doesn't make sense.

How else do you think insurance companies make money? Yes, they charge a small premium to cover those that might make a claim. However, they also find any way possible to avoid paying out, thus making them money. It makes perfect sense.
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post #493 of 2113
Quote:
Originally Posted by Rubers View Post

Quote:
Originally Posted by stargate125645 View Post

Well, there were some ambiguous posts so if I mistook what you said in the context of others stating to do so, then you have my apologies. I did not see you proclaim doing so was wrong in the face of others.
I'm also not sure where you get your information, but that is not how insurance companies make money. Their money is made on charging enough to cover the small percentage of people who make claims over the ones that pay but do not file any.
That doesn't make sense.

How else do you think insurance companies make money? Yes, they charge a small premium to cover those that might make a claim. However, they also find any way possible to avoid paying out, thus making them money. It makes perfect sense.
You need to distinguish between squeezing every last ounce of profit and the business model itself. You are talking about the former and suggesting it is also the latter, which is not the case.
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post #494 of 2113
Quote:
Originally Posted by Infinite Jest View Post

Sorry for interrupting the pissing contest, but I'm hoping anyone who has bought from Amazon wireless (any phone, but preferably an s3) can give me their read on it. I'm close to buying it from the Verizon store, but if I could save $65 from Amazon without any major inconvenience, I could wait for the back ordered model to come back into stock.

I bought mine from amazon. It was advertised as "Retail Packaging" but I suppose that did not mean that the phone wasn't opened before. Mine is flawless and I certainly don't think it's "used", but someones name was already in the phone when I turned it on. This may have been the seller testing the phone to make sure that it worked before selling it, as it was stated this was a no-warranty purchase.

I'm satisfied with the amazon purchase though. Better than buying it through ATT, for me anyways.
post #495 of 2113
Quote:
Originally Posted by Methos07 View Post

Quote:
Originally Posted by Infinite Jest View Post

Sorry for interrupting the pissing contest, but I'm hoping anyone who has bought from Amazon wireless (any phone, but preferably an s3) can give me their read on it. I'm close to buying it from the Verizon store, but if I could save $65 from Amazon without any major inconvenience, I could wait for the back ordered model to come back into stock.

I bought mine from amazon. It was advertised as "Retail Packaging" but I suppose that did not mean that the phone wasn't opened before. Mine is flawless and I certainly don't think it's "used", but someones name was already in the phone when I turned it on. This may have been the seller testing the phone to make sure that it worked before selling it, as it was stated this was a no-warranty purchase.

I'm satisfied with the amazon purchase though. Better than buying it through ATT, for me anyways.

Did you buy yours as a subsidized phone through amazon wireless or just off of the normal amazon site?
post #496 of 2113
Quote:
Originally Posted by Methos07 View Post

I bought mine from amazon. It was advertised as "Retail Packaging" but I suppose that did not mean that the phone wasn't opened before. Mine is flawless and I certainly don't think it's "used", but someones name was already in the phone when I turned it on. This may have been the seller testing the phone to make sure that it worked before selling it, as it was stated this was a no-warranty purchase.
I'm satisfied with the amazon purchase though. Better than buying it through ATT, for me anyways.

If the phone had someone's profile inside it was definitely used. I would not be happy to pay such a big amount of money for a brand new phone and getting a used one, even if the person just opened and turned it on for 30 seconds, it would still bother me. rolleyes.gif
    
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post #497 of 2113
Quote:
Originally Posted by Methos07 View Post

I bought mine from amazon. It was advertised as "Retail Packaging" but I suppose that did not mean that the phone wasn't opened before. Mine is flawless and I certainly don't think it's "used", but someones name was already in the phone when I turned it on. This may have been the seller testing the phone to make sure that it worked before selling it, as it was stated this was a no-warranty purchase.
I'm satisfied with the amazon purchase though. Better than buying it through ATT, for me anyways.

Its fine, this is apparently how they unlock the phone. My S3 came with the security seal broken and inside was the retailer's business card.

Retailers such as Newegg and Amazon buy in bulk from International distributors such as this: http://www.ct-miami.com/

The distributors gets the phone directly from Samsung so they act as a middle man.
post #498 of 2113
All about ballistic cases for the S3. Damn good cases.
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post #499 of 2113
Quote:
Originally Posted by Infinite Jest View Post

Did you buy yours as a subsidized phone through amazon wireless or just off of the normal amazon site?

From the Amazon site, not from Amazon wireless.

And with the phone being opened thing, yes I believe that's why.
post #500 of 2113
Quote:
Originally Posted by Agenesis View Post

Its fine, this is apparently how they unlock the phone. My S3 came with the security seal broken and inside was the retailer's business card.
Retailers such as Newegg and Amazon buy in bulk from International distributors such as this: http://www.ct-miami.com/
The distributors gets the phone directly from Samsung so they act as a middle man.
All you need to unlock the phone is the dialer (if using a code) or Odin...
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