Hmm weird. Iv dropped phones and had them break and iv used the insurance. But I have it and i wouldnt go without it because im pretty hard on my phone. But my droid has been dropped many times on pavement and even got wet once. And nothing ever happened to it. But whenever i make a claim i never really tell them the whole truth. But i havent had any problems so far doing that. Dont really like to tell white lies or whatever. But if i pay each month. And i gotta pay like 80 deductible then i dont mind doing it. Its insurance. Shouldn't it cover everything?