[gameday22]

I am not sure if they will let you do it that way. I have always had the optional insurance on the phones just in case something like this ever happened. What they did for me was waive the deductible costs as a matter of customer relations/service.

I think the insurance has either a 30 or 60 day grace period before 1st use, though I am not 100% sure on that. The deductibles just increased from $55 to $100-110 this month (the Touch Pro is considered a top tier phone and has the highest deductible payment on it). The monthly insurance cost remained the same at $7. You must have the insurance in order for them to do this, it is not something you can purchase after the fact.


Best of luck to you, hope everything works out.