I've never purchased phone insurance because the cost for one year is just about what a new phone would cost if bought outright. But I was considering it when I get my bionic. A friend told my, however, that you do NOT get a brand new phone, but a refurb phone. If that's the case, why would anyone spend a monthly fee to get someone else's refurb especially when I keep my phones meticulous and am sure the one I get wouldn't be as nice. Can anyone verify please.
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