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Weedahoe,

The policy is 3 bad phones in a 90 day period and you get a brand new device and an out of warranty manufacturer defect replacement is only $50 (assuming no major physical or water damage). I got my brand new 6800 from asurion after losing my 6700 and getting a poor quality refurb and calling asurion to complain about the quality and said it kept freezing (all window mobile do I just exaggerated a little). They did a basic trouble shooting (just sigh and play along as we know more than they do about these devices) and said if the problem recurs after 24 hours call in and notated that they would give me a new device. I called in 24 hours later said it still kept freezing and they told me they had no new 6700's so they gave me a choice of a treo, i760 or a 6800 all new. If you keep getting snubbed on your upgrade try one of these methods it will get you a new phone for $50 bucks. I'm sure if you look hard enough you can find something "wrong" with the refurbs.