The New York insurance company that wrote policies for 800,000 questionable Wells Fargo auto loans has been dragged into the bank’s latest scandal. National General Insurance was named in a class-action lawsuit filed against the bank — for allegedly unduly profiting from $80 million in collateral protection insurance that the drivers didn’t need — and...
NYS Entity Status
NYS Filing Date
JULY 24, 2014
NYS DOS ID#
C T CORPORATION SYSTEM
111 EIGHTH AVENUE
NEW YORK, NEW YORK, 10011
NYS Entity Type
FOREIGN BUSINESS CORPORATION
2014 - APPLECARE INSURANCE SERVICES INC.
Around the Web
- NY insurance company dragged into Wells Fargo scandal
By Kevin Dugan - Tuesday Aug 1, 2017
- Is it Worth Buying AppleCare+ for iPhone X?
By Joe Rossignol - Sunday Oct 29, 2017
After spending at least a thousand dollars on a brand new iPhone X, you may be debating whether it's really worth it to spend an additional few hundred dollars on an AppleCare+ plan to insure your shiny new smartphone.
AppleCare+ is an optional, premium warranty plan that extends an iPhone's warranty coverage to two years from the original purchase date of the device, and adds up to two incidents of accidental damage coverage, each subject to a service fee of $29 for screen damage, or $99 for any other damage.
AppleCare+ for iPhone X costs $199 upfront, compared to $129 for the iPhone 8 and $149 for the iPhone 8 Plus. As with virtually any form of insurance, AppleCare+ only pays for itself in the event you accidentally damage your device.
To determine if AppleCare+ is worthwhile, we first must look at how much it will cost to repair the iPhone X without the coverage.
Apple recently confirmed it will charge out-of-warranty rates of $279 for iPhone X screen repairs, and $549 for any other damage to the device, unless it is a manufacturing defect covered by Apple's standard one-year limited warranty.
With AppleCare+ for iPhone X, the price of a repair would be the $199 upfront cost of the plan plus a $29 to $99 incidental fee.
If you shatter your iPhone X's screen once, for example, you would pay $279 out of warranty. With the upfront cost of AppleCare+ coupled with the screen repair incidental fee, you would pay $228, so purchasing the plan can save you money in the long run if an accident happens.
If you shatter your iPhone X's back glass, having AppleCare+ is even more worthwhile. Apple's flat rate is $549 for this type of damage, while the upfront cost of AppleCare+ coupled with a $99 incidental fee totals $298.
The chart below shows that AppleCare+ will save you money in the long run if you damage your iPhone X in any way just once in two years.
Even if you never damage your iPhone X, AppleCare+ has one additional perk that can be quite valuable: 24/7 priority access to Apple support advisors via phone or online chat for two years after your iPhone X's purchase date. Without it, iPhone users are covered by just 90 days of complimentary telephone support.
There is no one-size-fits-all answer as to whether AppleCare+ is worth it, as it very much depends on how careful you are. But given the iPhone X's out-of-warranty repair fees are quite high, it may be more worthwhile than ever.
AppleCare+ can be purchased through Apple's online or retail stores. If not purchased alongside the iPhone, it can be added within 60 days, pending a diagnostic test to ensure no damage has occurred in that time.
It's also worth noting that if you cancel your AppleCare+ plan before the two-year coverage period expires, you'll get a partial refund based on the percentage of unexpired coverage, minus the value of any service already provided. A cancellation fee of $25 or 10 percent of the pro-rata amount, whichever is less, applies.
All prices above are listed in U.S. dollars. AppleCare+ and Apple's out-of-warranty repair fees vary in other countries.
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- Applecare+ Now More Expensive For Big Glass iPhones
By Laura Northrup - Thursday Sep 14, 2017
On Monday, Apple announced a new batch of iPhones. What the next-generation iPhone 8 and the next-next-generation iPhone X have in have in common is glass all around, on both front and back, making them extra slippery. Apple has raised the price of its Applecare+ extended warranty and limited accidental damage program for some users.Pricier coverage …
- Wells Fargo Subpoenaed Over Alleged Insurance Scheme That Resulted In 25,000 Vehicle Repossessions
By Ashlee Kieler - Wednesday Aug 2, 2017
Less than a week after a report alleged, and Wells Fargo admitted, to charging its auto loan customers for unnecessary and unwanted insurance, the bank has been subpoenaed by New York state banking and insurance regulators over the matter. Reuters reports that the New York Department of Financial Services sent subpoenas to two of Wells Fargo’s banking units today in …
- Insurance Giant Aetna Is Leaving Hartford for New York City
By SARAH MASLIN NIR - Thursday Jun 29, 2017
Aetna will move to new headquarters in Manhattan, drawn by New York’s emergence as a digital powerhouse, as well as financial incentives.
- AppleCare+ for Mac and iPhone Must Be Bought Within 60 Days of Purchase
By Juli Clover - Wednesday Jun 21, 2017
All of Apple's AppleCare+ plans for Macs, iPads, and iPhones, must be bought alongside a new device or within 60 days of purchase, according to AppleCare+ support staff that MacRumors spoke to this morning.
Following its Worldwide Developers Conference in June that saw the debut of new iMacs, MacBooks, and MacBook Pro models, Apple introduced an updated AppleCare+ for Mac warranty plan that provides standard AppleCare coverage along with accidental damage coverage.
Apple's AppleCare+ for Mac plan was introduced on June 5
The original AppleCare plans for the Mac could be purchased while the Mac was still under its standard warranty, so customers had a year to buy it, but with the new AppleCare+ plan for Mac, a purchase must be made within 60 days.
Apple in March changed its AppleCare+ policy for the iPhone and iPad and temporarily allowed customers to purchase the plan for up to one year after the device's purchase, while it too was still under standard warranty, but that policy appears to have been reverted back to 60 days.
In March of 2017, an iPhone 7 Plus purchased in September was temporarily eligible for AppleCare+. That is no longer the case due to policy reversion
AppleCare+ plans for the iPhone and the iPad must once again be purchased within 60 days of a device purchase. Attempting to make an AppleCare+ purchase on an iOS device purchased more than 60 days ago now brings up no AppleCare+ purchase options when logging into the AppleCare+ website.
AppleCare+ is no longer available for an iPhone 7 Plus purchased less than a year ago
As for the Mac, customers who have had their Macs for longer than 60 days but less than a year are not eligible for AppleCare+ but are still able to purchase a standard AppleCare Protection Plan, MacRumors has learned. Apple is only offering AppleCare+ for Mac on its website, so customers will need to call in to Apple Support to make the standard AppleCare purchase. Standard Mac AppleCare is priced at $149 to $349, depending on the machine.
A MacBook Pro purchased in October 2016 isn't eligible for AppleCare+, but standard AppleCare can still be purchased via Apple Support
AppleCare+ for Mac is available for the MacBook, 13-inch MacBook Pro, 15-inch MacBook Pro, MacBook Air, iMac, Mac Pro, and Mac mini, with prices ranging from $99 to $379. The plan extends the warranty of the Mac to three years and includes coverage for two incidents of accidental damage, but a service fee of $99 will be charged for screen damage or external damage while a service fee of $299 will be charged for any other damage.
AppleCare+ for iPhone is available for $129 for the iPhone 6s and later, $99 for the iPhone SE, and $99 for iPad models. It extends warranty coverage to two years and covers two incidents of accidental damage, with a service fee of $29 required for screen repairs or $99 for other damage.
Purchasing AppleCare+ for Mac, iPhone, or iPad after the device has already been purchased requires customers to run a remote diagnostic to ensure the device is working properly or have it inspected at an Apple retail location.
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