I just think phone insurance could be improved or more options and u can't really compare phone and car insurance. Its not required u have phone insurance, full coverage on a phone?
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Full coverage that would cover getting you a new car isn't required either.
It's the same principle. Insurance is a pool people pay a premium for a guarantee that they will be indemnified if they suffer a loss.
Insurance is not "I pay a little each month to get something new for free because what I bought has depreciated"
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So basically you, the OP, think that you should be able to file a claim with insurance to get another phone and keep both. Hum. That's why insurance costs what it does, people scamming the system because they feel entitled to do so, because they "already paid for x and pay y amount each month and never used it"
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my couch/love-seats eat a phone every few months, or my kids loose them. Ive re activated several lost/found phones with no problems
.....Gaming since most of you were in Diapers