I need to get the screen fixed on my iPhone 7 but it’s not active right now, will I need to get it activated before the insurance covers it
Sorry to hear about a device being damaged, mistyc1973. If you have insurance through your account, it will only cover damage that occurred while the device was active. Apple does offer a screen repair service that you can still use, which you'll be able to learn about here: https://support.apple.com/iphone/repair/service/screen-replacement We hope this information helps!
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