I have had my DX for a year now and my speaker is starting to fail. When my phone rings it just kinda makes a static noise. If I make a claim for that will I have to pay the deductible and risk them just fixing the speaker? Or do they always just ship a replacement. I don't want to pay the cash if they will just fix it I would rather try myself first. Please understand this is not an attempt to commit insurance fraud so please don't tell me to break my phone we are all smarter then that. If you have information that you think my be not forum friendly please feel free to PM me.