I have a SIM card because I switched to Cingular and got a phone, I had problems with it and they sent me a replacement since it was under warranty. I took the SIM card out of my original and put it in the replacement, so I have a SIM card that has not been used. When I bought the phone, insurance was never brought up. I asked and they said that every phone had a warranty. I thought that was odd, but oh well. I didn't know there was insurance through Cingular until I talked to my boyfriend's mom who works for Bellsouth. I haven't been with Cingular for even 2 months yet. So I guess I'll put insurance on my phone starting now.