Insurance declined claim They called me with an intention to trick me

<p>Insurance declined my claim caz they called me with an intention to trick me such that they will decline my claim</p> <p>I email my claim to them as follows</p> <p>I attached a document about my damaged phone <br />It cracked the back glass on its own <br />All alone i didnt know that the back panel is made of glass it shocked mi when i noticed that crack<br />Phone was in good conditions the time i put it on charging at night then i went to bed sleepin <br />When i wanted to use the phone i felt a rough grip feelin at the back when i checked thats when i got a shock that it has cracked on its own <br />Now pieces of small glasses are falling of and the bottom left corner has fallen off too <br />I suspect over heatin or the battery became fat resultin to the phone getting damaged<br />The phone is still workin perfect but sometimes it refuses to charge but it will eventually charges after many tryings</p> <p> </p> <p>After few hrs i got an email sayin they is outstandin information <br />After a day a consultant called me askin me the outstandin info which was how the phone got damaged i told her to check the email n she says she need that info of how the phone was damaged i told her the same thing i said on email and she asked me the time i put it on charger was it WORKING I told her the phone is still WORKING and this is the phone you are calling mi from n she said them we dont need to repair the phone caz its still working hence its not damaged </p> <p>I told her why are u sayin its not damaged and why you declinin my claim she said the term of the policy says we only cover if its phsical , accidental or liquid damaged</p> <p>Then i told her but the phone is damaged so what the reason for declining it She says she asked mi on a recorded line earlier if the is damaged n my respond was its not damaged n its still working n thats wat i said on a recorded line </p> <p>I asked wat actualy did i write on my email n she says its not clear thats why she is callin me she says i must take the device to mtn for assessment n mtn must write a letter stating yes the phone is damaged n they (insurance) will overtain my policy</p> <p> </p> <p>So my claim was declined just like that they wanted the phone to be not working by mean off being dead dead i got to run elsewhere to sick aproval stating yes indeed the phone is physical damaged </p> <p>I reminded her that prior to this phone my earlier phone was damaged the same way n i claimed my claim was aproved so now wats the difference she says i told her on a recorded line that its not damaged so my claim will remain declined i told her no no mayb they was a misunderstandin n you tryin to trick mi and mind you my phone is also recordin </p> <p>Interestin i m listernin to the recordin i said its still WORKING they is nothing i says its not damaged but being workin does that means its not damaged so wen i came with a report from mtn stating the 4n is physical damaged they shall overturn the claim n they shall repair the device</p> <p>So i m now forced to go pay for assessment at mtn n wen i got a report i shall pay again another assessment to insurance for them to come collect the 4n thats nonsence i told her the phone is physical damaged can i email you the pics of it she says no because of wat i told her on a recorded line the claim shall remain declined n i asked her wat did i email you she says she didnt get an email thats the reason she is callin we can spend all day on call but the claim shall remain declined till i came up with a assessment report</p>