A MacBook Pro owner shared a frustrating experience on Reddit after his laptop was wrecked in a car accident. Despite having an AppleCare+ plan for accidental damage, Apple declined to replace or repair the device.
The user explained on the platform that his MacBook was severely damaged in the crash. He was shocked to learn that Apple wouldn’t cover the repair or replacement because the damage was considered too extensive.
“I thought I was safe with AppleCare+ for accidents,” he lamented. “But they won’t replace my MacBook because it’s too broken. It feels like my money was spent for nothing.”
Apple’s AppleCare+ policy clearly states that it covers accidental damage from handling, which includes unexpected events like drops or spills. The policy specifies that Apple can either repair the damage using genuine parts or replace the device with one that meets their standards.
However, the policy also lists several exclusions. Two might apply here:
- Natural Disasters: The policy does not cover damages from events like fire, floods, or earthquakes. Interestingly, it also mentions “similar external causes,” which might be interpreted to include a car crash, although this seems like a stretch.
- Reckless Behavior: Damage resulting from reckless, abusive, or intentional actions is also not covered. Since the driver admitted the crash was his fault, one could argue that his driving might qualify as reckless, though this interpretation seems harsh.
The situation raises eyebrows about the application of these policy terms. Accidental damage insurance is supposed to protect against, well, accidents. Excluding coverage because the damage is “too severe” or interpreting a car accident as “reckless behavior” seems to miss the point of such insurance.
In conclusion, this case illustrates a potential gap between consumer expectations and the fine print of insurance policies. It’s a reminder for all of us to read and understand the specifics of our coverage, especially when it comes to high-value items like electronics.