make sure that the w600i is listed as the phone on your insurance. no, they will not disconnect it. but when you call, they will try to call it to see if someone picks up. so cut it off when you report it. i'd call 611 using another cingular phone, and report it stolen(which will cut it off). then call the warrenty number that 611 states to get the ball rolling. also, be prepared to fork out $50 for the new phone