They found my 2 day OLD iPhone 12 Pro Max 512gB at RALPHS and returned it after I called APPLE/AIG

HDfilmdoctor2016 wrote:

2 days after the claim i offered to return the REFURBISHED aka REMANUFACTURED phone to AIG and they refused....my goal was not to get 2 iPhones my goal was to REVERSE the claim ASAP and USE THE PHONE I PAID nearly $1700 for...it's my property

It is stated clearly here:

You can't cancel the claim if a replacement device has shipped. If you find your lost or stolen iPhone after your claim has been approved, you won't be able to use that iPhone again.

File a claim if you have AppleCare+ with Theft and Loss coverage - Apple Support (AL)

Also in that same support article:

When your claim is approved, your lost or stolen iPhone will be permanently disabled and you'll receive a replacement. 

You will not be able to use the phone because you got an insurance replacement and the original phone is no longer your property per the terms and conditions of the theft and lost coverage.

There is no reason why you would be able to use the device that was reported as lost and replaced already. If that was the case, then every one would report their phone as lost and just leave it in a drawer in cast the replacement phone breaks. You would no longer need to pay for AppleCare+ Theft & Loss because you already have a replacement phone. I am actually surprised that AIG did not request the phone to be sent to them, but I guess disabling works just as well.

HDfilmdoctor2016 Said:

"They found my 2 day OLD iPhone 12 Pro Max 512gB at RALPHS and returned it after I called APPLE/AIG: [...] have spent years trying to get the LOCKED TO OWNER removed to no avail even at my official APPLE STORE with my ID and receipt and original BOX [...]any idea how I can restore the phone for USE as the replacement needs a battery and display soon...Thank you in advance for your ideas"

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Getting "Locked to Owner" Removed:

If Apple is not willing to help you at the Apple Store, being you've Brough your original proof of purchase, then I'd say give Apple Support a buzz, and see if they can assist you with this. Ask them why this would be the case made by the Apple Store. Bing in CA (California of the USA), go here: U.S. technical support: (800) APL–CARE(800–275–2273)

HDfilmdoctor2016 Said:

"the best part is where a level 1 tech told me to go to find my devices and remove one of the 2 iphones showing...later a level 2 tech went crazy asking me why i did that and why the idiot told me to do that"

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No one here is a tech. Levels represent participation and providence and acceptant of feedback --pretty much reputation --and iPhones seems to be what I participate most in. But, everyone picks on me (and vice's-versa) Anyway... So, is this solved?

“2 days after the claim i offered to return the REFURBISHED aka REMANUFACTURED phone to AIG and they refused....my goal was not to get 2 iPhones my goal was to REVERSE the claim ASAP and USE THE PHONE I PAID nearly $1700 for...it's my property”

once you file a claim, and that claim is completed, the original phone is no longer your property. They made you whole by sending a replacement.

You can’t be mad at AIG for fulfilling what you asked for. Learn a lesson to not so hastily submit a claim until you are certain you are not gonna be able to find your device.

You are asking us to participate in insurance fraud. We won't do that.