Amex Purchase Protection, New Laptop With Liquid Damage Question

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Amex Purchase Protection, New Laptop With Liquid Damage Question

Postby pr0lab » Sun Feb 27, 2011 11:43 am

Hi All,

I bought a new computer and a week later I spilled coffee on it.
I know that Amex provides insurance unto a $1000.
The computer costs $1350, the repair costs $1100.

The question is, would they ask me to ship the computer to them?
I have a lot of information stored on the hard drive that I am not interesting in sending out my information to somebody else.

Can they reimburse me for a $1000 then, provided I will send them the confirmation of the estimate?


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Postby DoingHomework » Mon Feb 28, 2011 12:02 pm

Call AMEX and ask! We here can only speculate. If you call AMEX you will get the correct answer fastest..

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Postby Keysmasher » Mon Feb 28, 2011 3:47 pm

Call up American Express, but if you ask me...

If they only cover less than or equal to $1000, and your purchase is greater than $1000, then I believe they will not cover you and you are possibly SoL. Of course there is the possibility that they will give a $1000 statement credit, or send you a $1000 check and you will have to find the extra $100 or $300 for repairs or a new computer, respectively.

Again, this is ALL speculation and you should give the number on the back of your card a call and ask them.

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Postby Mogul of Pineapples » Fri Mar 04, 2011 10:06 pm

In either case, for a $1,000 payout I would assume American Express will require you to ship the laptop to them. You can't blame them, because that is a good deal of money to pay out on a claim and they need to protect themselves from fraud.

Let us know what happens I am curious myself. I have always assumed the "up to" amount meant it would pay up to $1,000 when the purchase price was above that but never checked up to find out to confirm that's true or not.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

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