Lessons learned, if you use the insurance, do not accept that you cannot get your current phone replaced. The website will not offer you the option to wait for backordered hardware, which you can do. I'll be they make a ton of $$ replacing $600 phones with $250 phones.
Thanks for allowing me to rant, and for this wonderful forum.
im not sure if this had been posted on here yet but from what i was told and read there is also some water dam. sticker type things on the inside also for reasons of people trying to get around the ones on the outside. But this could be a rumor
Moto Krave 2009
Moto Droid march 2010
Moto Droid X Dec. 2010
HTC Droid Inc 2 Oct 2011