The numbers · claim limits
One customer found out the hard way, in a complaint that says it for thousands: "I'm still paying for insurance even though I cannot file any more claims ever again… They said I only get three claims." The limit is real, it is per plan, it is counted on a rolling 12 months — and the count itself is sometimes wrong. Here is the table and the audit.
| Plan | Limit | The details that matter |
|---|---|---|
| Verizon Mobile Protect | Unlimited claims | $3,000 maximum value per claim |
| Verizon Wireless Phone Protection / Total Equipment Coverage (older) | 3 in any 12 months | Cracked-screen repairs do NOT count toward the 3 |
| AT&T Protect Advantage for 1 | 3 in any consecutive 12 months | $2,500 maximum device value per claim; claims under a prior AT&T plan carry forward into the count |
| AT&T Protect Advantage for 4 | 8 shared in 12 months | Shared across all four lines — another line's claims spend yours |
| AT&T Mobile Insurance (older) | 2 in 12 months | Legacy plan terms |
| T-Mobile Protection 360 (Assurant) | Damage/mechanical: unlimited · Loss/theft: 5 in a rolling 12 months | Per Assurant's FAQ |
From the published plan terms and brochures — checked Oct 20, 2026. The free checker applies your plan's limit to your count.
The window is rolling: the limit frees up as your oldest claim ages past 12 months. Calendar that date — filing a day early buys a denial that sits on your record. And note the quiet fact in the complaint that opened this page: premiums keep charging after the limit is hit. If you cannot claim for months, that is worth a hard look at whether the plan should stay on the bill at all — the worth-it math page runs those numbers honestly.
Want your own numbers first? The free checker takes your carrier, your plan, and what happened — and returns your exact deductible, your filing deadline counted in days, your claim-limit status, and the trap checklist for your case. Run the checker →
The pages above are the map. The kit is the paperwork: the trap map, the tables, the decoder, the complaint packs, and the worksheets that keep every number and clock in front of you.
One payment, yours to keep. We never ask for your carrier login — you file everything yourself. See everything inside the kit →