Complaint / Review
National Cellurar Owners Association - NCOA Insurance Company
Mobile Device Protection Association - MDPA - Mobiel Device Protection Association Insurance. Cell Phone not Covered by Insurance that should cover accidents or thefts. Bedford, New Hampshire

As stated on your Request for Service: The phone fell out of the back pocket into the toilet.

Therefore, the following exclusion applies to this request for service:

Liquid damage and corrosion

Liquid damage and corrosion are excluded from coverage.

MDPA requires that reasonable care and control be exercised at all times. Based on the above listed exclusion, we cannot consider this request for service for payment.
The response above was from my wifes phone accident, a total accident, that I filed with an this compant a total rip off, look at what there web site advertises.

MDPA is There to Repair
Accidents are bound to happen. When a dash to the car while carrying a squirming child results in dropping, and breaking, a handset, MDPA is there to repair or replace your wireless cellular device.