[kjhadfield]

imo...(me as example) i pay 7$ a month on insurance have been the last say 3 years. 7 times 36 is 252$. i used it once After the deduc. changed to 100$. and i sent the broke phone back, so i technically payed 352$ for a replacement and it was a reburb. @ that. which prolly cost them pennies on the dollar to fix just to sent it 2 you for another 100$ deduc. BELIEVE ME... the insurance companies are making well enough $. and i think your technically only allowed to claim 1 lost/stolen phone per year cause they really wont be able to turn it round so otherwise you gotta send them the broke, so then they turn it round 4 profit.

imo...the/all insurance companies are a scam...damit cause by the time i need to send in 4 a reburb i had already paid retail an then sum...4 a refurb!

just my thoughts, take no offense