[hamagc]

you can get the same phone (assuming they offer it still) or another model that is comparable. usually the insurance company is understanding and will try to make you happy.

there is no extra money so it's not like they are pocketing anything. you pay the $100 ded. and they send you a new phone and take in your broken one. have you tried updating the radio on your phone? may make a difference, may not.

it sounds like the tp1 is going to be your best bet for the time being. android can be had via ports, same with 6.5. if service is your issue, go over that with them and see what they can do for you. maybe adding a credit to your bill or something will work as compensation for you.