[nasa1303]

hahaha, i wandered into the wonderful world of insurance the same way. i bought a mogul off craigslist and the guy didn't tell me it was screwed up. it would freeze constantly even after hard resets. i switched back to my original phone, then switched back to the mogul, requested insurance at activation, few days later took it in and got it replaced with a refurb. that one had a white spot on the screen and i took it back got upgraded to a touch pro1. had that about a year and it stopped vibrating. went through three refurbs and now am proud owner of tp2. didn't pay a single deductible. just my 84 dollars a year in premiums. so all people who say insurance isn't worth the monthly fee, i disagree