I'm trying to assess the value of the Moto Care Accident Protection. Did you get it or not?
Cost:
Covers: +1 yr Mechanical Breakdown, 2 yr Accidental Damage (Not Covered: Neglect, Cosmetics, Pet, Heat, Cold, Vandalsim, Flood, Fire, etc.)
Deductible:
Repairs: Up to 3 times, Up to the purchase price of the phone
Lemon clause: Replacement if the same part fails 3 times.
If Unable to Repair: You Receive current market value of product with comparable specs or Retail Price - Prior claims
To me the value depends on the cost/difficulty of replacing the screen if it cracked.
I have only cracked one phone screen, and it cost me about to fix is myself, but the repair shop quoted me 0. I'm assuming that with the waterproofing and gorilla glass, this will be difficult and a cracked screen would be at least a 0 repair (does anyone have actual data on this from a similar phone?).
So for the sake of argument, lets say that there is a 0.5% chance your phone has a mechanical failure in year 2, a 10% chance that you crack your screen during years 1 & 2, and 1% chance that you completely kill your phone in years 1 & 2.
Without getting overcomplicated and factoring in the lemon clause and the loss in payouts for repeat repairs: The value of the plan is 10% x $ 150[repair less deductible], 0.5% x 0, and 1% x 0. which = .50.
It seems more advantageous to me to self-insure, and pay the extra 0 for a cracked screen out of pocket in the 1 in 10 chance that it should get cracked within the first two years.
However, I've never dealt with Motorola, and I have no idea about there actual customer service or how much they pad it and let things slide, etc.
Maybe a Moto customer can educate me and talk me into this.
Cost:
Covers: +1 yr Mechanical Breakdown, 2 yr Accidental Damage (Not Covered: Neglect, Cosmetics, Pet, Heat, Cold, Vandalsim, Flood, Fire, etc.)
Deductible:
Repairs: Up to 3 times, Up to the purchase price of the phone
Lemon clause: Replacement if the same part fails 3 times.
If Unable to Repair: You Receive current market value of product with comparable specs or Retail Price - Prior claims
To me the value depends on the cost/difficulty of replacing the screen if it cracked.
I have only cracked one phone screen, and it cost me about to fix is myself, but the repair shop quoted me 0. I'm assuming that with the waterproofing and gorilla glass, this will be difficult and a cracked screen would be at least a 0 repair (does anyone have actual data on this from a similar phone?).
So for the sake of argument, lets say that there is a 0.5% chance your phone has a mechanical failure in year 2, a 10% chance that you crack your screen during years 1 & 2, and 1% chance that you completely kill your phone in years 1 & 2.
Without getting overcomplicated and factoring in the lemon clause and the loss in payouts for repeat repairs: The value of the plan is 10% x $ 150[repair less deductible], 0.5% x 0, and 1% x 0. which = .50.
It seems more advantageous to me to self-insure, and pay the extra 0 for a cracked screen out of pocket in the 1 in 10 chance that it should get cracked within the first two years.
However, I've never dealt with Motorola, and I have no idea about there actual customer service or how much they pad it and let things slide, etc.
Maybe a Moto customer can educate me and talk me into this.
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