I know there are similar threads that discuss both of these things, but from what i've seen the conversation quickly becomes off topic and doesn't address my specific concerns. I have a Moto Droid and have had it since it released, i have never had a problem and have only loved this phone and been the envy of most everyone i knew (including my apple fan boy buddies, until they were soothed by the I4). problem is my head phone jack recently has started to have a crappy connection and either creates a somewhat demonic distortion of what i'm listening to or cuts off completely when barely touched. I have tested this with multiple head phones, and speaker outputs through headphone jack. It doesn't always occur but when it does it doesn't take much to screw it up. anyways, with the new announcement from the insurance provider i am a little concerned about trying to address this issue. I love this phone, i would absolutely refuse to get a Eris or any likewise step down simply to fix my headphones. However, i wouldn't mind getting the X, the incredible would be ok i guess but i don't have any real want for one of those either. My question is, with the current selection and the probability of getting an X due to "limited supplies" and obvious insurance fraud by people looking to get a free upgrade, is it even worth the effort to try to start my insurance claim?