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IMHO, the insurance is a complete ripoff and ends up being a hassle every time you have a claim. The manufacturer has a 1 year warranty...use it. It costs you nothing. I had my Mogul as a backup, so 10 days was not a big deal for me to be without my phone. Sprint's website lets you easily swap one phone activation for another, all without talking to anyone.
Of course, if you make a retarded mistake with your phone (lost, dropped in the crapper, run over by a train), the warranty does not apply. But for things that can be construed as a "defect" (like the OP's and mine), definitely use the warranty.
I wish my ex-wife had a warranty like that. I would have returned her as "defective" with a quickness.
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