Broken cell phone - does liability pay? You have to keep that in mind

Broken cell phones can in some cases be paid for by the liability insurance. You can find out in this practical tip whether, to what extent and when liability is assumed for your defective smartphone.

Broken cell phone: When does liability pay?

Liability insurance only pays if the cell phone is damaged by another person. Its liability is then responsible for paying the damage:

• If you damage your cell phone yourself, liability is not responsible. This is where a possible cell phone insurance comes into play.
• You only get the current value - also called the current value - of your smartphone replaced. Not the price you paid for the phone when you bought it.
• Many insurance companies require that you send the cell phone to the insurance company to determine the damage. An expert opinion is then created there. In general, you should rather contact an independent expert and then submit the result. To do this, simply go to the usual electrical stores.
• It is also permissible that the insurance company only pays for the repair of the damage and no new equipment.

Liability pays for this damage if the smartphone is defective

The following damage is usually taken over by the insurance companies without any problems:

• Damage caused by falls.
• Damage caused by liquid.

The following damage is not covered:

• Deliberately caused damage to the cell phone.

Mobile phone insurance: Our test winner Friendsurance

Our test winner for mobile phone insurance Friendsurance covers, among other things, display and breakage damage. Depending on the new price of the smartphone, this can be worthwhile.

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You can find cheap online providers for your cell phone repairs in our next article.