I purchased a Nintendo DSi XL from Toys R Us in March 2011 for my 6-year old son. I was convinced by the salesperson that I should buy the buyer protection plan which will replace the item if my son accidentally drops or damages it. Last weekend, my son went with his uncle and accidentally dropped the Nintendo in the parking lot. A car ran over it before his uncle was able to retrieve it and damaged the item. I called this morning to file a claim and was told that the plan did not cover "misuse and abuse." I tried to explain to them that it was not misused or abused as my son accidentally dropped the item and a car unknowingly drove on top of it.
As I see it, this is truly an accidental damage from handling. In any case, they refused to do anything for me. I spent time looking through the long and boring terms of coverage and the "what is not covered" section, but could not see anything that would tell me that the item won't be covered in this case. I felt that Toys R Us trains their staff to scam customers into buying a service that does not have any intention to provide buyer protection. This is very upsetting.