Not Much Assurance About The Insurance, Part 8

, , , , , | Right | December 15, 2017

(I work in a major wireless retail store. A customer comes in with a newer smartphone that he recently purchased. It is no longer working after being dropped in a pool. After going over multiple options, including insurance which ships overnight, the customer opts to buy out his current phone agreement in order to get a new device in store.)

Me: “Today you’ll have to pay the remaining amount of your current device, which is $450, plus the tax on the new phone, and then your monthly payments will start over on the new phone.”

Customer: “But you said I’m buying out of my agreement? I don’t want to have a payment.”

Me: “Yes, sir. You’re buying out your broken device that you still owe on, but then you said you would like to purchase a new phone today in the store instead of going with the insurance.”

Customer: “You mean because I broke my phone, you’re going to charge me for a new one?”

Me: “Yes, sir, electronics do cost money. Again, if you do insurance, you’ll just pay a small deductible and you’ll get a new phone tomorrow; that would be cheaper.”

Customer: “I told you I don’t want to do the God**** insurance, but it’s poor business to charge me for a new phone just because I destroyed my other one.”

Me: “If I go out and wreck my car, and want a brand new one, I still have to pay off the old loan, and then I’d start a fresh loan on a new car. I don’t get a free one.”

Customer: “Well, no one would do that. That’s why you have insurance!”

Me: “…”

Related:
Not Much Assurance About The Insurance, Part 7
Not Much Assurance About The Insurance, Part 6
Not Much Assurance About The Insurance, Part 5

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