Why does cell phone insurance take my old cell phone? I paid for it... they shouldn't get to keep it... right?

Question

I recently bought a new cell phone from t mobile, my dog chewed on it, I have insurance, so I was willing to pay the $50 deductible, but I dont understand why they make me give them my old phone, that doesnt seem right, I own the old phone, so I dont think this is legal.

Answer 1

They paid you for the phone so it's theirs. It's the same way with cars. If you total it out and they pay for it it's theirs.

Answer 2

when that insurance was handed out, they now own the phone, do you really want to keep a chewed up broken phone?? i mean what use would you have for it anyways??

did they provide you a new phone?? if so they exchanged it for a phone that works you try and take that too court they will laugh at you and even maybe let u win by taking back the new phone and giving you back your old chewed up phone and thats it.

Answer 3

You asked them to replace it right?  They gave you a new one, right?  That makes the old one theirs.

Answer 4

ate

Answer 5

Because once you put the claim in, the insurance company is actually buying the old, damaged phone from you.  

Just like if you have a car, and total it - once the insurance company pays for it, it's theirs.  You get the NEW one, INSTEAD.