[shaneo13]

That isn't insurance fraud if he's allowed to buy insurance and then make a claim. I believe that most insurance companies will not allow you to make a claim for 30 days if the phone is not new anyways. Insurance companies are not stupid. They have already thought of any way you could try to screw them and have protections in place. Like any business, rates are based on what the consumer is willing to pay and profitability. They wouldn't do it if they weren't making money.