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I just used the 7 dollar insurance today. I dropped my phone on the ground and the screen cracked to hell. I took it into the retail store and told them, "HI, I dropped my phone and the screen is completely effed." Within 30 mins, they replaced my phone, no charge at all. Also, saying that you lost your phone when in fact you just broke it is insurance fraud and is something you probably dont want to get involved with, even though your chances of getting caught are very slim. Either way, there would be NO REASON to sign up for the 7 dollar insurance plan if it DIDNT cover accidents, as that is the only thing that will really happen to your phone. I researched the hell out of the program, and you can pretty much stab it with a pencil and throw it in the toilet and its covered. I also got the MicroSD card and the battery from the new phone they gave me, just had to ask nicely. Of course, I am a very talkative person who knows how to get what I want by talking to people and making small talk, mostly being humorous, if you are more shy you might want to leave your battery at home with your memory card when you bring it in so that they have to put a new battery in it to test it out, which they will undoubtedly just give you.
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