For everyone paying for phone insurance
Or the deductible is triple what the store implied. Or the "replacement" that arrived is a scratched downgrade of the phone you lost. Your carrier sold you this plan in ninety seconds at the counter — but a different company decides your claim: Asurion for Verizon and AT&T, Assurant for T-Mobile. That company publishes the premiums in detail and the claim rules in fine print. This site is the map it doesn't publish: your exact deductible, your filing deadline counted in days, your claim-limit status, the traps that kill claims before they're filed, and the doors that reverse denials.
No login. No account details. No IMEI. Nothing uploaded. Ever.
Before you spend a claim slot, pay a deductible, or accept a denial, you deserve the three numbers nobody prints on one page: what you'll owe, how many days you have left, and how many claims you have left. That answer is free here — and if the honest answer is "don't file, it's a bad deal," the checker says that too.
Pick your carrier, your plan, and what happened. No login, no account details, no IMEI, nothing uploaded — the checker runs on this page, in your browser.
We never ask for your carrier login, your password, or your phone's IMEI — not here, not anywhere. Anyone who does, while offering to "help" with a claim, is running the scam this site warns about.
The denial
The dates you gave didn't match. The SIM wasn't in the phone. The device "wasn't active on the line." A tablet worth $80 carries a $99 deductible. The denial reasons are a fixed list, and each one has a counter — but nobody publishes either. Why claims get denied → · Can they do that? →
The price
$0 screen repair if your phone qualifies — or a $99 to $400 replacement deductible if it's ruled ineligible. Two years of premiums at $16–$25 a month is $384–$600 already paid before the first claim. The number you're actually owed is in your plan's tier table, not the store's pitch. The deductible list → · When not to file →
The replacement
Dead pixels. The wrong model — a downgrade shipped as a "like kind" replacement. A faulty refurb, then another claim burned fixing it. The terms promise "like kind and quality"; what arrives is negotiable exactly once, in the first days, if you document it. Rejecting a bad refurb →
The fact that changes the fight: these plans are real insurance. AT&T's is underwritten by Continental Casualty Company (CNA), and Asurion is a licensed insurance agent. That means your state insurance regulator takes complaints about how your claim was handled — a door almost no phone customer knows exists. And complaints to the BBB are answered by Asurion's Regulatory Affairs desk — the desk whose own written replies show denials reversed. The regulator door → · The BBB door →
Front-line claim agents read from the same script that denied you. Above them sit three doors with real authority: a supervisor review inside the administrator; a BBB complaint, which lands on a regulatory desk that has reversed denials in writing; your state insurance regulator, because these are insurance policies, not store coupons; and your carrier's executive office, because the carrier sold the plan and owns the churn when it fails. The free checker prints this ladder for your carrier when you're already denied. The kit is the paperwork for climbing it.
One payment, yours to keep. We never ask for your carrier login — you file everything yourself. See everything inside the kit →
Not your carrier. Verizon and AT&T plans are administered by Asurion; T-Mobile's Protection 360 is administered by Assurant. The carrier takes your premium on the bill; the administrator decides your claim. That's why your claim runs through phoneclaim.com and a company most customers never chose. More: who is Asurion? →
Documented answer: no. Asurion's own BBB responses show denials reversed after a complaint reached its Regulatory Affairs desk — in its words, it "completed a subsequent review and authorized a new claim." A denial is the first desk's answer. The ladder exists because the first desk is a filter. Start with the denial decoder →
Yes — and this site will tell you that on the page that sells the ladder: the BBB complaint is free, and it works. What it doesn't do is help you before you file (your deductible, your deadline, the traps), and it takes weeks. The kit is the before-and-around: the numbers, the preparation, and the complaint written the way that desk grades it. The BBB door, honestly →
A consumer law firm takes some of these cases on contingency through arbitration (slow, and practical mainly for the biggest fights), and a subscription app will auto-write a generic appeal letter with none of your numbers in it. No service or kit built for phone insurance claims existed before this one — no deductible lookup, no deadline counting, no denial playbook. That's the shelf this site fills, for a one-time $39.
Sometimes the honest answer is no. If the deductible meets or beats what the phone is worth — and filing also spends one of your limited claims — the claim is a bad deal even if it's approved. The free checker does that math and says so. The bad-deal math →
No. Never. Not your carrier login, not your password, not your IMEI. Every template and script here is written for you to send, from your own account. Any "helper" who asks for your login is the scam this site exists to name.
Facts checked Oct 20, 2026 against the carriers' and administrators' own published plan terms and brochures, and the public BBB complaint record. Every load-bearing figure on this site carries its source and date; figures that rest on comparison sources are flagged as such, and cells our research could not verify say "your documents control" instead of inventing a number.