[eXcali]

freehunter, you're dealing with Asurion I take it? You're lucky to get the same replacement phone, there is 0 chance they will give you another carriers phone. As has been stated a couple times already, your best bet is to sell the phone on ebay or something. You can generally get $75-100 for a working phone.

The Insurance is equipment replacement only. If you read the details they require you to send in your phone and they send you a replacement, usually a refurbished unit. Actually, they send a replacement 1st, then you return the broken phone. There is no way to get money back for a broken phone after the initial 30 day allowance.

Be VERY careful about doing an early termination and not paying in a timely fashion as well. They post it to your credit VERY FAST, and your new company will charge you an outrageous deposit if they see this.