Why doesnt insurance give u a brand new phone

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So i was an idiot and spilled alil drink on my droid. It works fine expect that it shuts off once in awhile. The reps at verizon said that I have to go through insurance and that I prob wont get a new phone. I don't get why if i'm paying for the insurance i cant get a brand new phone? Shud I claim the phone or jus stick it out with my lil water damaged one?
 

belome

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Considering how long the D2 has been out... how many refurbs do you think they already have stockpiled?
 

th3drow

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I've gotton refurbs before, and i've never been able to tell the difference between them in a new phone.
 

bobby_v

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I guess they have to do something with all of those defective devices they fix.
 
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