Ever had to rely on phone insurance? I have!
At a great discount for purchasing w/a new contract, I got a Droid Razr Maxx (prior to the release of the Droid Razr Maxx HD) about 6 months or so. My husband didn't want to purchase the insurance my phone, but I reminded him that I am super duper clumsy. He's been paying the insurance ever since.
About 12 days ago, I dropped my phone about 3-4' and the screen caught the ground just the right way and shattered like crazy. We learned that our insurance has a $100 deductible and that we can only claim twice in a calendar year. Luckily this is our first and only claim.
Within 2 business days, they sent me a "new" (refurbed) phone. I was stuck in jury duty, so I didn't realize until about 8 days that the screen of this refurbed phone had an issue that affected the visual as well as the scrolling on the touchscreen. I called on day 9 and they told me that I had until day 10 to report any issues. They found me a brand new phone and got it to me in another 2 business days. Worth $100?