[LittleBreezes]

I think that often we are our own worst enemies. How many times have I read on this forum (or another much like it) about smeone wanting to "lose" and put a claim in on their beat up old handset just to get a shiny new one to sell on EBay; or using the insurance to facilitate an upgrade to a newer model of handset. All of that adds up to what we pay for insurance. In the many years I have had insurance I had only one claim and that was years ago on a LG4400 that went into Long Island Sound during a line squall.
Frank