[the evil i]

personally, i prefer knowing that if my phone breaks i wont kill myself. look at the math of it. ok you pay $7 a month and say u keep your phone for two years. 24*7=$168. so instead of having your phone break and paying $550 for a new one. the maximum of 168 you pay for insurance is nearly a third of that. in my opinion, insurance is the best investment you could make on your phone