What is difference between Accidental Damage Protection Warranty and Onsite Warranty?

The answer lacks sufficient detail to be sure, but the above appear to be two very different products. You need to check the exact policy language.“Accidental damage” in the US is a kind of insurance, not a warranty. There is no promise the product has no defects (which is what a warranty contains). There is a promise to pay for repairs if the product is damaged in an accident (aka, a “casualty”). This would likely not provide for repairs if the product had a defect. You usually need to allege a traumatic event followed by failure to claim accidental damage coverage.On the other hand, a warranty is a promise the product has no defects. If a defect arises they will provide for repair. If the product just stop working, this has you covered. But it will likely not apply if there is an accident. Unless it is the sort of accident that the product should have survived, thereby indicating a defect.An onsite warranty is a regular warranty with the added benefit of the repairman meeting you at your home or place of business. This usually results in quicker repair and is very convenient when the object would be difficult to pack and ship to a repair depo.Another option is an extended warranty. These are usually sold by someone other than the manufacturer and cover the same things as a regular warranty, but for a longer term. It is not a true warranty. It is actually insurance against a defect, as opposed to insurance from a casualty.These features can always be combined in different ways. Sometime premium credit cards offer a hybrid extended warranty and accidental damage coverage to items purchased with the credit card.A few things to remember. In most English speaking countries, the store that sold the goods has to honor the manufacturers warranty, though the odds of meeting a customer service person who understands this is nearly zero.There is widespread debate about whether you need to file a warranty claim before the warranty expires, when the breakage happened before the warranty expires. As an attorney, I believe the clear answer is it does not matter when you make your claim, so long as the defect or damage covered happened before the expiration. It could take a small claims suit to win in such a case however.If something you own is stolen from an automobile, and was not an automotive accessory, you may be covered by your home owners insurance (or renter’s insurance).If you ask for advice picking a product, you may benefit from an implied warranty of fitness for a particular purpose. For example, if you explain you have trouble getting phone reception from you mobile inside your apartment and the salesman then says “this phone is great with difficult areas, you will have no problem with it,” then you are now warranted for reception inside your apartment. You might demand a refund if you then experience reception issues in your apartment.In many jurisdictions, you may claim an implied warranty in other circumstances. Say you bought a phone that was reconditioned and thus had only a 90-day warranty. And on day 100 the battery forcibly explodes damaging your ear. You may be entitled to claim a breach of the implied warranty. Such an egregious failure may be deemed a violation of the general implied warranty of fitness for use as a phone.Both warranties and insurance generally do not cover ordinary wear and tear. But some products have special rules because the manufacturer has found enhanced coverage gives him a marketing advantage. Thus many car tires are warranted to wear at a certain rate and not faster. And many car tires are even “warranted” against accidents, like nails in the roadway (technically this is insurance). These special provisions only arise when specifically mentioned however.