[DavidinCT]

Just to add to this. After going through almost the same thing, I found some info on this. Verizon does not do the insurance, it's a 3rd party and I have heard this from 2 different reps. The insurance is tied to the phone number, not the phone.

So, even if you didn't update the insurance and something happend, they would cover you (of course after you pay the $100) warranty is a different story tho.

It's funny on my last phone, I picked it up used and activated it. I asked him to cancel the insurance because it was a used phone, he said the same thing and I was assued that it would cover me, even on a used phone. I heard it again when I got another phone.