I have a Razr Maxx and insurance. Not that I ever intend to use it, I was curious about the replacement quality. Are they always refurbished? My last phone was an LG Dare (don't laugh) that was replaced. The replacement seemed to have few quirks that developed a few months after receiving it. It never preformed like the original one. Maybe it was just that particular phone. Not that I would have a choice but, is there a way to receive a new replacement rather than a refurbished one if the need arises?