i have vzw and i went through asurion no payment was made
are you sure you went through asurion? verizon offers a similar extended warranty plan that is separate from asurion and you can usually claim it under that if there is no obvious physical damage (obliterated phone) or liquid damage, and it was not lost/stolen.
100% possitive. i had to go through it for my razr on my 8th one that broke due to shoddy workmanship. they said the first was free but the rest would be $50 everytime after that