[bobturismo]

Do you have a backup phone? just some cheap as sprint phone?

Where do you carry your phone? In your pocket? Is there any chance it would've fallen out? Has it ever fallen out?

Most likely it is in dude's car, whether or not he is gonna give it back to is also another story.

I would call sprint and tell them your story and see what they recommend, not sure if they can do anything, but you never know (or someone on here knows?). You don't necessarily have claim it on insurance just yet, just becasue you told sprint its lost.