Hello thar! I was wondering if anyone had any experience dealing with Best Buy and their insurance program. I got my Thunderbolt on launch day and bought the $10 a month insurance program to go along with it. I also bought a screen protector that they pre-installed for me (cost $8 for installation). Unfortunately, I have not been the best care-taker of my Thunderbolt. I thought it would be fine for my Thunderbolt to go commando in the world (no case) and because of that, the aesthetics of the phone has suffered. The kickstand is peeling and has a number of scratch marks, there quite a few scruff marks where the paint has been chipped, and the battery cover is a bit squeaky (when you push on it, it makes a plastic sound, not sure if that is normal). The main thing is the kickstand peel and the paint chips. My question is if Best Buy would give me a new phone, a refurbished phone, or tell me to go home?. I have already purchased a case to prevent future damage. I am hoping for a fresh start with my Thunderbolt . Thanks in advance!