First the deductable (not disclosed) is $90.00. 2nd, you can't make the claim at a Verizon office they simply tell you to dial up Asurion for a long series of voicemails shuffles. Then, you must obtain from Asurion a claim form and send it in along with current picture i.d...Still not good enough they could not read the type written MEID numbers because they did not have enough boxies to accomodate the DROID. Many days now with no phone and no customer service from a very expensive but not customer service friendly insurance service.