How to work Insurance?

[xeroendo]

About a month ago my apache got its screen all messed up and I have insurance so I did a claim online and I got a new apache sent to me after a $50 deductable. Which was fine, I didn't mind paying $50 for a new phone. Ever since I got it, it was kind of hard to slide up the screen, didn't think much of it though. About a week ago when I slid up the screen to send a text it popped out of place on one side and just dangled. I called Asurion and they said since it's physical damage, I have to pay the deductable again. I wouldn't have minded if it was more than a couple of weeks. I don't wanna do this if it's going to happen ever other week. My question is this, I've heard people getting Titans after working with them for a while. Is there anything you guys can tell me to help me out? If I'm paying for a new phone I'd rather get an upgrade. Thanks.