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You could consider the $50 to be a processing fee to cover the work involved in sending a new phone out. If sprint can charge $18-36 to activate a new phone, I can imagine that the insurance company does not find it difficult to charge $50 in this situation.
Heck, I paid my $6/mo for 2 years with no claims on my Treo 600. You'd think that I'd deserve some kind of no-claims bonus but that bought me absolutely nothing. I decided not to insure my 700wx.
Sadly, I expect that the hassle that you are facing with this situation is driven by the people who do try to cheat the system. If the weren't rigid in their rules, there would probably be a way for somebody to get two phones out of the situation or pull some other kind of scam.
I'd consider the $50 to be an expensive lesson to learn (In the grand scheme of things, it's nothing compared to doing something stupid with your house or car and having to pay the premium to get that fixed).
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