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If you lose your iPhone, immediately do these 3 things

© Angela Lang/CNET Apple's Find My iPhone on an iPhone XS Max. 

By Jason Cipriani, CNET

Losing your iPhone  or having it stolen is one of the worst feelings ever. When you rely on your phones  for nearly everything, the idea of being disconnected from the outside world is stressful at the least and terrifying at the most. Between Apple's recent announcement of the Apple Card, a credit card relies on an iPhone for everything from sign up to paying your bill, and the realization of just how much personal information we keep on our phones, losing your iPhone is about to get a whole lot more complicated.  There's also the cost to consider. iPhones are getting more and more expensive -- losing your pricey investment isn't something any of us wants. 

There are steps you can take to help reduce the risk of losing a phone, and using Apple's Find My iPhone service is the key to securing and recovering a lost phone.

But while I have your attention, let's make sure you have a passcode set up and Find My iPhone enabled to ensure you have the best chance at getting your phone back. 


Be prepared

© Provided by CBS Interactive Inc. find-my-iphone-enable

Set a passcode

Some people view using Face ID or Touch ID as an unnecessary step when using an iPhone. Those people are wrong. Setting a passcode and using your face or fingerprint to protect all of the information on your phone is a vital part of keeping your personal information secure. Just think of all the information on your phone: banking apps, private conversations, the location of your home and office, contacts, emails, photos... the list goes on.

Do you really want a random stranger going through all of that?

Secure your device by opening Settings > Face ID (or Touch ID) & Passcode and follow the prompts. Scanning your finger or letting Face ID do its magic is a minor inconvenience. And after a few days, the extra step will become part of your routine and you won't even notice.

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Make sure Find My iPhone is enabled

After setting a passcode, double check that Find My iPhone is turned on. It should be enabled by default, and you'll have to go out of your way to disable it, but it's always a good idea to double-check right now.

© Provided by CBS Interactive Inc. lost-mode-iphone-xr

On your iPhone, open the Settings app and tap on your name at the top of the screen. Next, select iCloud and then scroll down and find Find My iPhone. Tap it. If both switches are turned to the On position, you're all set. If not, turn on both options and leave the settings app.

© Provided by CBS Interactive Inc. applecare-claim

Create good habits

The best way to keep your phone secure, especially when you're traveling or in unfamiliar areas, is to keep a close eye on it and never relax. Be cautious. Overly cautious, even. Don't keep your phone out in the open where someone can grab it and run off. In the event you do lose your phone, don't panic! Take a deep breath and remember to use Find My iPhone.


Recover your phone

Find My iPhone is the key

Every single iOS device has Find My iPhone built into the system settings, managed by your iCloud account. Once you realize you've lost your phone, the first thing you should do is visit icloud.com/find on a computer.

If you're not near a computer, you have a couple of options to access Find My iPhone. Either borrow a friend or family member's iOS device and sign into the Find My iPhone app or if you have Family Sharing set up, a member of your family can view your lost device in the Find My iPhone app on their own iOS device.

If accessing Find My iPhone via the website or on another device, it's important you sign into the same iCloud account linked to the lost iPhone. After signing in, select your phone from the list of devices to view its current location. If the device has been turned off, the last known location will be shown. 

When viewing the device's location, select Actions at the bottom of the screen followed by Lost Mode. You'll be asked to enter a phone number and a message that will be displayed on the lock screen for whoever has your device to get it back to you. If a passcode was not set on a phone that's put into Lost Mode, you'll be asked to create one when enabling Lost Mode. 

When enabled, Lost Mode will lock the device, prevent notifications and messages from showing up in your lock screen, and continue tracking the phone's location. The phone will still ring for incoming phone and FaceTime calls. This should help you track down the phone if it's nearby. Or maybe you'll be lucky and the person who has the phone will answer it to help get it back to you. 

Any credit and debit cards added to Apple Pay , along with student IDs and transit cards stored in the Wallet app, will be disabled until you regain access to the phone and log into your iCloud account. Once the Apple Card is available, it will also be disabled in these circumstances. 

If the phone is turned off and Lost Mode is enabled, you'll receive an alert when the phone is turned back on, complete with its current location -- assuming it has some sort of data connection.

When you recover your phone, you'll need to enter the passcode you created when enabling Lost Mode. Then sign into your iCloud account.

Don't confront a thief

If you're able to track your phone to a house or apartment building, don't confront the potential thief on your own. Call the cops and ask for their help. Sure, you want to get your phone back, but getting into a confrontation and potentially getting hurt isn't ideal.

Contact your local police and let them handle it.

Contact your carrier

If you're unable to get your phone back, contact your carrier and let them know your phone has been lost or stolen. They will flag your device's International Mobile Equipment Identity (IMEI) number and, in most cases, will prevent that number from working on the network, rendering the device useless to whoever has it.

Keep in mind that if you have your service suspended you'll lower the odds of tracking the phone unless it's connected to a known Wi-Fi network. Suspending service is something you should only do after you're sure you can't recover the phone.

File an insurance claim

If you have AppleCare+ with Theft and Loss or pay monthly for device insurance through your carrier, start the claim process as soon as possible. You'll need to fill out some paperwork and pay a deductible in order to get a replacement device.

To begin the process for a phone that has AppleCare+ with Theft and Loss covered, use this website. Filing a claim will erase your iPhone and prevent anyone else from being able to use it. Should you find your phone after filing a claim, you can cancel it. But you'll need to set up your iPhone as new.

Contact your carrier directly to begin the claim process.
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