Claim denied? Could be ‘contributory negligence’.
Picture this. It’s Friday night, you’re back come late from an office-party. While unlocking the door, you slip in your mobile into the back pocket of your jeans. Tired, you throw it into the washing machine – with the phone. The next day you realise that with your jeans, even the phone went for a quick spin and now, it’s not working. It’s what we refer to as ‘contributory negligence’, which is, being negligent about your possession, which causes damage to it. In such an instance, your claim will be denied.
Some instances of ‘contributory negligence’ are:
- Forgetting your phone in a cab while multitasking. That’s more like letting your phone go on a ride for a lifetime, and not really a case of theft.
- Leaving your phone unattended in the company of unfamiliar people in a nightclub and losing it. While it may be a loss, it can’t be considered accidental in any way.
- Throwing the phone in a rage leading to damage. It’s a breakdown for sure, but not quite mechanical, as we know it.
- Experimenting with your phone by putting it through conditions prohibited by the manufacturer. Like microwaving it too.
Take care of your phone, so it can take care of you.