Loose your cell phone? youll be paying..

["B"]

I would suggest that you read your policy pretty closely. A cell phone insurance policy generally has a deductible of $40 and then you get a used phone, not a new one. I'm not saying that this is the case with yours specifically, but that's the way it is generally written.

Not the case, I have used it tiwce already. They also fix my phone if I break it. I pay out the ass, so they better.