[frejos]

I've used the insurance twice since I've had my Mogul, it has always been a quick call (much faster than Sprint customer service), pay the $50 deductible, get a new (referb) phone in a day. First time was because of a cracked screen, second time was a jammed voice-dial button. The referb I got the second time was flaky. Called them, they apologized, and shipped me a brand NEW in the box Mogul (including all the accessories). Had the new Mogul a day later.

So far I've been very pleased with the insurance... it was the reason I originally switched to Sprint. ATT doesn't offer it on smart phones. I've never gotten any hassle from them, I doubt you would either.