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Re: How do I go about a RMA/replacement to get a new phone?
It's actually not insurance fraud. The phone is actually damaged. I'm not sure if there is open enrollment at the moment but that oil ring seems to be a common problem when the phone falls or stays in the sun for a while. With no insurance you might need to purchase a new one. Take the phone in and try your luck. If you go to a repair store they might consider it a defect and replace it for free.
Good Luck
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