Lost phone, should I use insurance for a new one?

[jringo718]

I am about 80% sure that I left my phone in a friend of a friend's car who I don't really know, but my friend and everyone was catching a ride in his car. I remember having my phone right before I met up with them when they called me to ask where I was. Also Google Maps was on and its been 13 hours now and when I called my phone, it rings 6 or 7 times and then goes to voicemail. Also I left the ringer on Loud. I tried using Microsoft MyPhone's service to locate my phone and it failed the communication test and the map location because it said the phone might be off, out of battery or out of range. I had just taken the phone out of the charger at around 1 AM and used the GPS for 10 minutes before leaving it running in the background. Would a Sprint TP2 loose charge that quick due to the GPS being on after 13 hours? Why does my phone ring 6 or 7 times if it is off? Usually with Sprint, when a phone is off, it goes straight to voicemail right?

My main question is, this guy is now on the other side of the country till like Tuesday, and since I am not 100% its even in his car, should I just request an insurance claim or should I wait? Should I discuss this with Sprint on holding off service and such? If it is in the car, no one is gonna see the phone till Tuesday. The guy said he will check, but nothing is guaranteed.

Also i doubt this, but would there be any other way to locate the phone if it somehow happens to be on right now?