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assurian and a basic phone "beware rip-off"

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I have a casio c741 tough  phone that the outside screen quit working,so i contacted verizon tech. and they trans. me to Assurian saying its a insurance issue.Assurian told me that they would send me a phone for a $99 deductible,the thing is my  phone is a basic phone and the deductable is $50.When i called verizon back i was told assurian said my phone had a 3.2 megapixel camera and even though its NOT a smart phone the camera makes it compatrable.What gives Assurian the right to overcharge whenever they fill like it ?

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Re: assurian and a basic phone "beware rip-off"

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In my experience it is not based off of it being a smart phone or a basic phone. It is based off the retail price for the device. Your phone is a G'zOne device. Basic G'zOne devices usually cost the same as a smartphone. Take the new G'zOne Ravine 2 "Basic Phone" for instance. That is $199.99 with a 2 year agreement, and you can choose it with or without a camera. So it's not the camera that determines the deductible, whomever said does not know anything about Asurion. The deductible is based off the retail value, so that's why your deductible is higher than other basic phones.

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