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Re: Ah Crap...So my phone went for a dive on the beach..
Buy a crappy flip phone on Craigslist. When you activate it, ask to add Total Equipment Protection (be very specific, if you just say "insurance" you will probably end up with ERP). Use the flip phone for a few days, then swap back to your Mogul. Once TEP is on your account, it will automatically cover the phone currently active on your plan (i.e. your Mogul after you switch back).
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